Primary BkPRMY 60 Pretax Margin % is 53.56% as of Dec. 2025, which is 3% above its 10-year median of 51.90. GuruFocus rates PRMY with a GF Score™ of 60/100 and a GF Value™ of $25.59 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Primary Bk ranks better than 86.7% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Primary Bk's Pre-Tax Income for the
six
months ended in Dec. 2025 was $15.70 Mil. Primary Bk's Revenue for the
six
months ended in Dec. 2025 was $29.31 Mil. Therefore, Primary Bk's pretax margin for the quarter that ended in Dec. 2025 was 53.56%.
The historical rank and industry rank for Primary Bk's Pretax Margin % or its related term are showing as below:
PRMY'
s Pretax Margin % Range Over the Past 10 Years
Min: 26.45 Med: 51.9 Max: 56.4
Current: 53.56
PRMY's Pretax Margin % is ranked better than 86.7% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs PRMY: 53.56
Primary Bk (OTCPK:PRMY) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Primary Bk Pretax Margin % Related Terms
Primary Bk Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Primary Bk's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PRMY vs TYFG, INBC, RMBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Primary Bk's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Primary Bk Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Primary Bk's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Primary Bk (PRMY) has a Pretax Margin % of 53.56% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Primary Bk and its competitors. This is near median its historical median of 51.90. Over the past decade, Primary Bk's Pretax Margin % has ranged from 26.45 to 56.40. According to the industry distribution chart, Primary Bk ranks #203 out of 1526 companies in the Banks industry, placing it in the top 13.3%.
Is Primary Bk's Pretax Margin % too high?
Primary Bk's current Pretax Margin % of 53.56% is near median its 10-year median of 51.90. Over the past 10 years, this metric has ranged from a low of 26.45 to a high of 56.40. The Banks industry median Pretax Margin % is 34.89. Primary Bk's value of 53.56% is 53.5% above this industry median. Based on the distribution chart, Primary Bk ranks #203 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Primary Bk has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Pretax Margin % compare to TYFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #203 out of 1526 companies for Pretax Margin %. This places Primary Bk in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.89. Primary Bk's value of 53.56% is 53.5% above this benchmark. Historically, Primary Bk's own Pretax Margin % has ranged from 26.45 to 56.40 over the past decade. While the company's 10-year median is 51.90 vs. the industry median of 34.89, Primary Bk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primary Bk's current Pretax Margin % of 53.56% is 53.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Primary Bk and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primary Bk's current Pretax Margin % is 53.56%, which is near median its own 10-year median of 51.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.59, compared to a current price of $29.89 — trading 16.8% above its estimated fair value. The current Pretax Margin % is 53.56%, which is near median its 10-year median of 51.90 and 53.5% above the Banks industry median of 34.89. Primary Bk's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Primary Bk (PRMY), the current Pretax Margin % is 53.56% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $29.89 is trading 16.8% above its estimated GF Value™ of $25.59.
GuruFocus considers Primary Bk to be Modestly Overvalued.
Key valuation signals for PRMY:
Pretax Margin %: 53.56% (near median its 10-year median of 51.90)
GF Value™: $25.59 vs. price of $29.89 (16.8% above fair value)
Industry Position: 53.5% above the Banks median (#203 of 1526)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
60GF Score
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