Tri City BanksharesTRCY +0.95%62 Pretax Margin % is 22.59% as of Dec. 2025, which is 18% below its 10-year median of 27.44. GuruFocus rates TRCY with a GF Score™ of 62/100 and a GF Value™ of $15.42 (Modestly Overvalued). Among 1,528 Banks companies, Tri City Bankshares ranks worse than 76.83% on this metric.
The historical rank and industry rank for Tri City Bankshares's Pretax Margin % or its related term are showing as below:
TRCY'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.65 Med: 27.44 Max: 32.47
Current: 22.59
TRCY's Pretax Margin % is ranked worse than 76.83% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs TRCY: 22.59
Tri City Bankshares (OTCPK:TRCY) 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.
Tri City Bankshares Pretax Margin % Related Terms
Tri City Bankshares Pretax Margin % Historical Data
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The historical data trend for Tri City Bankshares'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.
TRCY vs UBAB, SBKO, ECBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Tri City Bankshares'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.
Tri City Bankshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares'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.
Tri City Bankshares (TRCY) has a Pretax Margin % of 22.59% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tri City Bankshares and its competitors. This is 18% below median its historical median of 27.44. Over the past decade, Tri City Bankshares' Pretax Margin % has ranged from 19.65 to 32.47. According to the industry distribution chart, Tri City Bankshares ranks #1174 out of 1528 companies in the Banks industry, placing it in the top 76.8%.
Is Tri City Bankshares' Pretax Margin % too high?
Tri City Bankshares' current Pretax Margin % of 22.59% is 18% below median its 10-year median of 27.44. Over the past 10 years, this metric has ranged from a low of 19.65 to a high of 32.47. The Banks industry median Pretax Margin % is 34.72. Tri City Bankshares' value of 22.59% is 34.9% below this industry median. Based on the distribution chart, Tri City Bankshares ranks #1174 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Tri City Bankshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' Pretax Margin % compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #1174 out of 1528 companies for Pretax Margin %. This places Tri City Bankshares in the lower half of its industry. The industry median Pretax Margin % is 34.72. Tri City Bankshares' value of 22.59% is 34.9% below this benchmark. Historically, Tri City Bankshares' own Pretax Margin % has ranged from 19.65 to 32.47 over the past decade. While the company's 10-year median is 27.44 vs. the industry median of 34.72, Tri City Bankshares 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 34.72, based on 1,528 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. Tri City Bankshares's current Pretax Margin % of 22.59% is 34.9% 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 Tri City Bankshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares's current Pretax Margin % is 22.59%, which is 18% below median its own 10-year median of 27.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $19.20 — trading 24.5% above its estimated fair value. The current Pretax Margin % is 22.59%, which is 18% below median its 10-year median of 27.44 and 34.9% below the Banks industry median of 34.72. Tri City Bankshares' overall GF Score™ is 62/100. 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 Tri City Bankshares (TRCY), the current Pretax Margin % is 22.59% 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $19.20 is trading 24.5% above its estimated GF Value™ of $15.42.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
Pretax Margin %: 22.59% (18% below median its 10-year median of 27.44)
GF Value™: $15.42 vs. price of $19.20 (24.5% above fair value)
Industry Position: 34.9% below the Banks median (#1174 of 1528)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
62GF Score
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