Trinity Bank NATYBT 71 Pretax Margin % is 48.48% as of Dec. 2025, which is 1% below its 10-year median of 48.97. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $114.08 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Trinity Bank NA ranks better than 83.56% on this metric.
The historical rank and industry rank for Trinity Bank NA's Pretax Margin % or its related term are showing as below:
TYBT'
s Pretax Margin % Range Over the Past 10 Years
Min: 33.49 Med: 48.97 Max: 57.18
Current: 50.81
TYBT's Pretax Margin % is ranked better than 83.56% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs TYBT: 50.81
Trinity Bank NA (OTCPK:TYBT) 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.
Trinity Bank NA Pretax Margin % Related Terms
Trinity Bank NA Pretax Margin % Historical Data
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The historical data trend for Trinity Bank NA'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.
TYBT vs KTHN, GSBX, OXBC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Trinity Bank NA'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.
Trinity Bank NA Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA'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.
Trinity Bank NA (TYBT) has a Pretax Margin % of 48.48% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Trinity Bank NA and its competitors. This is near median its historical median of 48.97. Over the past decade, Trinity Bank NA's Pretax Margin % has ranged from 33.49 to 57.18. According to the industry distribution chart, Trinity Bank NA ranks #251 out of 1527 companies in the Banks industry, placing it in the top 16.4%.
Is Trinity Bank NA's Pretax Margin % too high?
Trinity Bank NA's current Pretax Margin % of 48.48% is near median its 10-year median of 48.97. Over the past 10 years, this metric has ranged from a low of 33.49 to a high of 57.18. The Banks industry median Pretax Margin % is 34.88. Trinity Bank NA's value of 48.48% is 39% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #251 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Trinity Bank NA has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trinity Bank NA's Pretax Margin % compare to KTHN and GSBX?
According to the Banks industry distribution chart, Trinity Bank NA ranks #251 out of 1527 companies for Pretax Margin %. This places Trinity Bank NA in the top 16% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Trinity Bank NA's value of 48.48% is 39% above this benchmark. Historically, Trinity Bank NA's own Pretax Margin % has ranged from 33.49 to 57.18 over the past decade. While the company's 10-year median is 48.97 vs. the industry median of 34.88, Trinity Bank NA has consistently been above 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. Trinity Bank NA's current Pretax Margin % of 48.48% is 39% above 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 Trinity Bank NA 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. Trinity Bank NA's current Pretax Margin % is 48.48%, which is near median its own 10-year median of 48.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trinity Bank NA stock overvalued right now?
Based on GuruFocus' analysis, Trinity Bank NA (TYBT) is currently considered Modestly Undervalued. The stock's GF Value™ is $114.08, compared to a current price of $96.25 — trading 15.6% below its estimated fair value. The current Pretax Margin % is 48.48%, which is near median its 10-year median of 48.97 and 39% above the Banks industry median of 34.88. Trinity Bank NA's overall GF Score™ is 71/100 with 1 warning sign 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 Trinity Bank NA (TYBT), the current Pretax Margin % is 48.48% 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 Trinity Bank NA (TYBT) Overvalued in 2026?
Based on GuruFocus' analysis, Trinity Bank NA stock appears to be undervalued.
The current stock price of $96.25 is trading 15.6% below its estimated GF Value™ of $114.08.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
Pretax Margin %: 48.48% (near median its 10-year median of 48.97)
GF Value™: $114.08 vs. price of $96.25 (15.6% below fair value)
Industry Position: 39% above the Banks median (#251 of 1527)
No single metric tells the full story. See the TYBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trinity Bank NA operates as a national bank. The bank provides a full range of banking services to individual and corporate customers and is subject to competition from other local, regional, and national financial institutions.
71GF Score
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