Steele BancorpSTLE -1.16%52 Pretax Margin % is 28.83% as of Dec. 2024, which is 25% below its 10-year median of 38.23. GuruFocus rates STLE with a GF Score™ of 52/100 and a GF Value™ of $28.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Steele Bancorp ranks worse than 66.25% on this metric.
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.
Steele Bancorp Pretax Margin % Related Terms
Steele Bancorp Pretax Margin % Historical Data
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The historical data trend for Steele Bancorp'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.
STLE vs RVCB, CZNL, SVBT: Pretax Margin % Comparison
For the Banks - Regional subindustry, Steele Bancorp'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.
Steele Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Steele Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Steele Bancorp'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.
Steele Bancorp (STLE) has a Pretax Margin % of 28.83% as of Dec. 2024. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Steele Bancorp and its competitors. This is 25% below median its historical median of 38.23. Over the past decade, Steele Bancorp's Pretax Margin % has ranged from 28.83 to 39.52. According to the industry distribution chart, Steele Bancorp ranks #1011 out of 1526 companies in the Banks industry, placing it in the top 66.3%.
Is Steele Bancorp's Pretax Margin % too high?
Steele Bancorp's current Pretax Margin % of 28.83% is 25% below median its 10-year median of 38.23. Over the past 10 years, this metric has ranged from a low of 28.83 to a high of 39.52. The Banks industry median Pretax Margin % is 34.89. Steele Bancorp's value of 28.83% is 17.4% below this industry median. Based on the distribution chart, Steele Bancorp ranks #1011 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Steele Bancorp has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Steele Bancorp's Pretax Margin % compare to RVCB and CZNL?
According to the Banks industry distribution chart, Steele Bancorp ranks #1011 out of 1526 companies for Pretax Margin %. This places Steele Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.89. Steele Bancorp's value of 28.83% is 17.4% below this benchmark. Historically, Steele Bancorp's own Pretax Margin % has ranged from 28.83 to 39.52 over the past decade. While the company's 10-year median is 38.23 vs. the industry median of 34.89, Steele Bancorp 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 34.89, 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. Steele Bancorp's current Pretax Margin % of 28.83% is 17.4% 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 Steele Bancorp 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. Steele Bancorp's current Pretax Margin % is 28.83%, which is 25% below median its own 10-year median of 38.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steele Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Steele Bancorp (STLE) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.43, compared to a current price of $42.50 — trading 49.5% above its estimated fair value. The current Pretax Margin % is 28.83%, which is 25% below median its 10-year median of 38.23 and 17.4% below the Banks industry median of 34.89. Steele Bancorp's overall GF Score™ is 52/100 with 7 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 Steele Bancorp (STLE), the current Pretax Margin % is 28.83% as of Dec. 2024. 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 Steele Bancorp (STLE) Overvalued in 2026?
Based on GuruFocus' analysis, Steele Bancorp stock appears to be overvalued.
The current stock price of $42.50 is trading 49.5% above its estimated GF Value™ of $28.43.
GuruFocus considers Steele Bancorp to be Significantly Overvalued.
Key valuation signals for STLE:
Pretax Margin %: 28.83% (25% below median its 10-year median of 38.23)
GF Value™: $28.43 vs. price of $42.50 (49.5% above fair value)
Industry Position: 17.4% below the Banks median (#1011 of 1526)
No single metric tells the full story. See the STLE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Steele Bancorp Inc Formerly Mifflinburg Bancorp Inc is a United States-based commercial bank. Its principal activities and sources of revenues are commercial, mortgage, residential real estate, and consumer loan financing as well as a variety of deposit services provided to customers.
52GF Score
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