Ehime BankTSE:8541 -1.08%58 Pretax Margin % is 26.16% as of Mar. 2026, which is 17% above its 10-year median of 22.36. GuruFocus rates TSE:8541 with a GF Score™ of 58/100 and a GF Value™ of 円1,240.75 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Ehime Bank ranks worse than 76.57% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Ehime Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was 円3,258 Mil. Ehime Bank's Revenue for the
three
months ended in Mar. 2026 was 円12,452 Mil. Therefore, Ehime Bank's pretax margin for the quarter that ended in Mar. 2026 was 26.16%.
The historical rank and industry rank for Ehime Bank's Pretax Margin % or its related term are showing as below:
TSE:8541'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.45 Med: 22.36 Max: 24.83
Current: 22.66
TSE:8541's Pretax Margin % is ranked worse than 76.57% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs TSE:8541: 22.66
Ehime Bank (TSE:8541) 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.
Ehime Bank Pretax Margin % Related Terms
Ehime Bank Pretax Margin % Historical Data
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The historical data trend for Ehime 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.
For the Banks - Regional subindustry, Ehime 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.
Ehime Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ehime Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Ehime 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.
Ehime Bank (TSE:8541) has a Pretax Margin % of 26.16% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ehime Bank and its competitors. This is 17% above median its historical median of 22.36. Over the past decade, Ehime Bank's Pretax Margin % has ranged from 16.45 to 24.83. According to the industry distribution chart, Ehime Bank ranks #1170 out of 1528 companies in the Banks industry, placing it in the top 76.6%.
Is Ehime Bank's Pretax Margin % too high?
Ehime Bank's current Pretax Margin % of 26.16% is 17% above median its 10-year median of 22.36. Over the past 10 years, this metric has ranged from a low of 16.45 to a high of 24.83. The Banks industry median Pretax Margin % is 34.72. Ehime Bank's value of 26.16% is 24.6% below this industry median. Based on the distribution chart, Ehime Bank ranks #1170 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ehime Bank has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ehime Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Ehime Bank ranks #1170 out of 1528 companies for Pretax Margin %. This places Ehime Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Ehime Bank's value of 26.16% is 24.6% below this benchmark. Historically, Ehime Bank's own Pretax Margin % has ranged from 16.45 to 24.83 over the past decade. While the company's 10-year median is 22.36 vs. the industry median of 34.72, Ehime 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 34.72, 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. Ehime Bank's current Pretax Margin % of 26.16% is 24.6% 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 Ehime Bank 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. Ehime Bank's current Pretax Margin % is 26.16%, which is 17% above median its own 10-year median of 22.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ehime Bank stock overvalued right now?
Based on GuruFocus' analysis, Ehime Bank (TSE:8541) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,240.75, compared to a current price of 円2,114.00 — trading 70.4% above its estimated fair value. The current Pretax Margin % is 26.16%, which is 17% above median its 10-year median of 22.36 and 24.6% below the Banks industry median of 34.72. Ehime Bank's overall GF Score™ is 58/100 with 5 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 Ehime Bank (TSE:8541), the current Pretax Margin % is 26.16% 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 Ehime Bank (TSE:8541) Overvalued in 2026?
Based on GuruFocus' analysis, Ehime Bank stock appears to be overvalued.
The current stock price of 円2,114.00 is trading 70.4% above its estimated GF Value™ of 円1,240.75.
GuruFocus considers Ehime Bank to be Significantly Overvalued.
Key valuation signals for TSE:8541:
Pretax Margin %: 26.16% (17% above median its 10-year median of 22.36)
GF Value™: 円1,240.75 vs. price of 円2,114.00 (70.4% above fair value)
Industry Position: 24.6% below the Banks median (#1170 of 1528)
No single metric tells the full story. See the TSE:8541 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ehime Bank Ltd is engaged in the provision of banking products and financial services in Japan. The bank offers deposits such as time, savings and property, savings and current accounts, and loans. In addition, it offers various insurance services including term and life, property, corporate business and medical insurance. The bank also renders services comprising of mutual fund, government bond, and other financial product brokerage business.
58GF Score
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