Solvay BankSOBS 65 Pretax Margin % is 21.58% as of Dec. 2025, which is 34% below its 10-year median of 32.48. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Solvay Bank ranks worse than 78.85% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Solvay Bank's Pre-Tax Income for the
six
months ended in Dec. 2025 was $6.79 Mil. Solvay Bank's Revenue for the
six
months ended in Dec. 2025 was $31.47 Mil. Therefore, Solvay Bank's pretax margin for the quarter that ended in Dec. 2025 was 21.58%.
The historical rank and industry rank for Solvay Bank's Pretax Margin % or its related term are showing as below:
SOBS'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.07 Med: 32.48 Max: 39.48
Current: 21.58
SOBS's Pretax Margin % is ranked worse than 78.85% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs SOBS: 21.58
Solvay Bank (OTCPK:SOBS) 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.
Solvay Bank Pretax Margin % Related Terms
Solvay Bank Pretax Margin % Historical Data
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The historical data trend for Solvay Bank'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.
SOBS vs REDW, BKOR, MCBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Solvay Bank'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.
Solvay Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Solvay Bank'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.
Solvay Bank (SOBS) has a Pretax Margin % of 21.58% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Solvay Bank and its competitors. This is 34% below median its historical median of 32.48. Over the past decade, Solvay Bank's Pretax Margin % has ranged from 19.07 to 39.48. According to the industry distribution chart, Solvay Bank ranks #1204 out of 1527 companies in the Banks industry, placing it in the top 78.8%.
Is Solvay Bank's Pretax Margin % too high?
Solvay Bank's current Pretax Margin % of 21.58% is 34% below median its 10-year median of 32.48. Over the past 10 years, this metric has ranged from a low of 19.07 to a high of 39.48. The Banks industry median Pretax Margin % is 34.88. Solvay Bank's value of 21.58% is 38.1% below this industry median. Based on the distribution chart, Solvay Bank ranks #1204 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solvay Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's Pretax Margin % compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #1204 out of 1527 companies for Pretax Margin %. This places Solvay Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. Solvay Bank's value of 21.58% is 38.1% below this benchmark. Historically, Solvay Bank's own Pretax Margin % has ranged from 19.07 to 39.48 over the past decade. While the company's 10-year median is 32.48 vs. the industry median of 34.88, Solvay Bank 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. Solvay Bank's current Pretax Margin % of 21.58% is 38.1% 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 Solvay Bank 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. Solvay Bank's current Pretax Margin % is 21.58%, which is 34% below median its own 10-year median of 32.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvay Bank stock overvalued right now?
Based on GuruFocus' analysis, Solvay Bank (SOBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.23, compared to a current price of $34.00 — trading 20.4% above its estimated fair value. The current Pretax Margin % is 21.58%, which is 34% below median its 10-year median of 32.48 and 38.1% below the Banks industry median of 34.88. Solvay Bank's overall GF Score™ is 65/100 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 Solvay Bank (SOBS), the current Pretax Margin % is 21.58% 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 Solvay Bank (SOBS) Overvalued in 2026?
Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued.
The current stock price of $34.00 is trading 20.4% above its estimated GF Value™ of $28.23.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
Pretax Margin %: 21.58% (34% below median its 10-year median of 32.48)
GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
Industry Position: 38.1% below the Banks median (#1204 of 1527)
No single metric tells the full story. See the SOBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solvay Bank is a United States based community bank. It offers personal and business banking services. The bank provides business loans, deposit accounts, small business administration, commercial real estate, special lending programs, electronic services, merchant services and other banking services. The objectives of its security portfolio are to provide liquidity for future funding needs, a safe and lower-risk investment alternative for idle funds, and a stable source of core earnings.
65GF Score
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