SB Financial GroupSBFG +5.63%63 Pretax Margin % is 30.31% as of Mar. 2026, which is 9% above its 10-year median of 27.81. GuruFocus rates SBFG with a GF Score™ of 63/100 and a GF Value™ of $22.02 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, SB Financial Group ranks worse than 64.51% on this metric.
The historical rank and industry rank for SB Financial Group's Pretax Margin % or its related term are showing as below:
SBFG'
s Pretax Margin % Range Over the Past 10 Years
Min: 24.33 Med: 27.81 Max: 33.13
Current: 29.51
SBFG's Pretax Margin % is ranked worse than 64.51% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs SBFG: 29.51
SB Financial Group (NAS:SBFG) 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.
SB Financial Group Pretax Margin % Related Terms
SB Financial Group Pretax Margin % Historical Data
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The historical data trend for SB Financial Group'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.
SBFG vs DIMC, AFBI, BEOB: Pretax Margin % Comparison
For the Banks - Regional subindustry, SB Financial Group'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.
SB Financial Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SB Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SB Financial Group'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.
SB Financial Group (SBFG) has a Pretax Margin % of 30.31% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SB Financial Group and its competitors. This is near median its historical median of 27.81. Over the past decade, SB Financial Group's Pretax Margin % has ranged from 24.33 to 33.13. According to the industry distribution chart, SB Financial Group ranks #985 out of 1527 companies in the Banks industry, placing it in the top 64.5%.
Is SB Financial Group's Pretax Margin % too high?
SB Financial Group's current Pretax Margin % of 30.31% is near median its 10-year median of 27.81. Over the past 10 years, this metric has ranged from a low of 24.33 to a high of 33.13. The Banks industry median Pretax Margin % is 34.88. SB Financial Group's value of 30.31% is 13.1% below this industry median. Based on the distribution chart, SB Financial Group ranks #985 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, SB Financial Group has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's Pretax Margin % compare to DIMC and AFBI?
According to the Banks industry distribution chart, SB Financial Group ranks #985 out of 1527 companies for Pretax Margin %. This places SB Financial Group in the lower half of its industry. The industry median Pretax Margin % is 34.88. SB Financial Group's value of 30.31% is 13.1% below this benchmark. Historically, SB Financial Group's own Pretax Margin % has ranged from 24.33 to 33.13 over the past decade. While the company's 10-year median is 27.81 vs. the industry median of 34.88, SB Financial Group 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 34.88, based on 1,527 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. SB Financial Group's current Pretax Margin % of 30.31% is 13.1% 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 SB Financial Group and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current Pretax Margin % is 30.31%, which is near median its own 10-year median of 27.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, SB Financial Group (SBFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.02, compared to a current price of $24.77 — trading 12.5% above its estimated fair value. The current Pretax Margin % is 30.31%, which is near median its 10-year median of 27.81 and 13.1% below the Banks industry median of 34.88. SB Financial Group's overall GF Score™ is 63/100 with 4 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 SB Financial Group (SBFG), the current Pretax Margin % is 30.31% as of Mar. 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 SB Financial Group (SBFG) Overvalued in 2026?
Based on GuruFocus' analysis, SB Financial Group stock appears to be overvalued.
The current stock price of $24.77 is trading 12.5% above its estimated GF Value™ of $22.02.
GuruFocus considers SB Financial Group to be Modestly Overvalued.
Key valuation signals for SBFG:
Pretax Margin %: 30.31% (near median its 10-year median of 27.81)
GF Value™: $22.02 vs. price of $24.77 (12.5% above fair value)
Industry Position: 13.1% below the Banks median (#985 of 1527)
No single metric tells the full story. See the SBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SB Financial Group Inc that provides a range of community banking services, including commercial and consumer lending, personal and business banking, treasury management and merchant services, personal wealth management and brokerage services, and other financial services to individuals, businesses, and municipalities. It operates in a single segment, which is Banking.
63GF Score
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