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South Atlantic BancsharesSABK -0.03%70 Pretax Margin % is 35.16% as of Jun. 2026, which is 42% above its 10-year median of 24.78. GuruFocus rates SABK with a GF Score™ of 70/100 and a GF Value™ of $19.85 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, South Atlantic Bancshares ranks worse than 51.54% on this metric.
South Atlantic Bancshares (OTCPK:SABK) 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.
South Atlantic Bancshares Pretax Margin % Related Terms
South Atlantic Bancshares Pretax Margin % Historical Data
* 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.
SABK vs FNWD, RBKB, CSBB: Pretax Margin % Comparison
For the Banks - Regional subindustry, South Atlantic Bancshares'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.
South Atlantic Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, South Atlantic Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where South Atlantic Bancshares'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.
South Atlantic Bancshares (SABK) has a Pretax Margin % of 35.16% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on South Atlantic Bancshares and its competitors. This is 42% above median its historical median of 24.78. Over the past decade, South Atlantic Bancshares' Pretax Margin % has ranged from 16.01 to 35.08. According to the industry distribution chart, South Atlantic Bancshares ranks #786 out of 1525 companies in the Banks industry, placing it in the top 51.5%.
Is South Atlantic Bancshares' Pretax Margin % too high?
South Atlantic Bancshares' current Pretax Margin % of 35.16% is 42% above median its 10-year median of 24.78. Over the past 10 years, this metric has ranged from a low of 16.01 to a high of 35.08. The Banks industry median Pretax Margin % is 35.53. South Atlantic Bancshares' value of 35.16% is 1% below this industry median. Based on the distribution chart, South Atlantic Bancshares ranks #786 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, South Atlantic Bancshares has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' Pretax Margin % compare to FNWD and RBKB?
According to the Banks industry distribution chart, South Atlantic Bancshares ranks #786 out of 1525 companies for Pretax Margin %. This places South Atlantic Bancshares in the lower half of its industry. The industry median Pretax Margin % is 35.53. South Atlantic Bancshares' value of 35.16% is 1% below this benchmark. Historically, South Atlantic Bancshares' own Pretax Margin % has ranged from 16.01 to 35.08 over the past decade. While the company's 10-year median is 24.78 vs. the industry median of 35.53, South Atlantic Bancshares has consistently been below 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 35.53, based on 1,525 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. South Atlantic Bancshares's current Pretax Margin % of 35.16% is 1% below 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 South Atlantic Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Atlantic Bancshares's current Pretax Margin % is 35.16%, which is 42% above median its own 10-year median of 24.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.85, compared to a current price of $24.77 — trading 24.8% above its estimated fair value. The current Pretax Margin % is 35.16%, which is 42% above median its 10-year median of 24.78 and 1% below the Banks industry median of 35.53. South Atlantic Bancshares' overall GF Score™ is 70/100 with 6 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 South Atlantic Bancshares (SABK), the current Pretax Margin % is 35.16% as of Jun. 2026. 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 South Atlantic Bancshares (SABK) Overvalued in 2026?
Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued.
The current stock price of $24.77 is trading 24.8% above its estimated GF Value™ of $19.85.
GuruFocus considers South Atlantic Bancshares to be Modestly Overvalued.
Key valuation signals for SABK:
Pretax Margin %: 35.16% (42% above median its 10-year median of 24.78)
GF Value™: $19.85 vs. price of $24.77 (24.8% above fair value)
Industry Position: 1% below the Banks median (#786 of 1525)
No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
70GF Score
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