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US Metro BancorpUSMT 68 Pretax Margin % is 29.12% as of Jun. 2026, which is 7% below its 10-year median of 31.22. GuruFocus rates USMT with a GF Score™ of 68/100 and a GF Value™ of $6.24 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, US Metro Bancorp ranks worse than 69.01% on this metric.
US Metro Bancorp (OTCPK:USMT) 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.
US Metro Bancorp Pretax Margin % Related Terms
US Metro Bancorp Pretax Margin % Historical Data
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The historical data trend for US Metro 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.
USMT vs CYVF, FTFI, ORBN: Pretax Margin % Comparison
For the Banks - Regional subindustry, US Metro 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.
US Metro Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, US Metro Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where US Metro 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.
US Metro Bancorp (USMT) has a Pretax Margin % of 29.12% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on US Metro Bancorp and its competitors. This is near median its historical median of 31.22. Over the past decade, US Metro Bancorp's Pretax Margin % has ranged from 21.85 to 46.37. According to the industry distribution chart, US Metro Bancorp ranks #1051 out of 1523 companies in the Banks industry, placing it in the top 69%.
Is US Metro Bancorp's Pretax Margin % too high?
US Metro Bancorp's current Pretax Margin % of 29.12% is near median its 10-year median of 31.22. Over the past 10 years, this metric has ranged from a low of 21.85 to a high of 46.37. The Banks industry median Pretax Margin % is 35.62. US Metro Bancorp's value of 29.12% is 18.2% below this industry median. Based on the distribution chart, US Metro Bancorp ranks #1051 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, US Metro Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does US Metro Bancorp's Pretax Margin % compare to CYVF and FTFI?
According to the Banks industry distribution chart, US Metro Bancorp ranks #1051 out of 1523 companies for Pretax Margin %. This places US Metro Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.62. US Metro Bancorp's value of 29.12% is 18.2% below this benchmark. Historically, US Metro Bancorp's own Pretax Margin % has ranged from 21.85 to 46.37 over the past decade. While the company's 10-year median is 31.22 vs. the industry median of 35.62, US Metro 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 35.62, based on 1,523 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. US Metro Bancorp's current Pretax Margin % of 29.12% is 18.2% 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 US Metro Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. US Metro Bancorp's current Pretax Margin % is 29.12%, which is near median its own 10-year median of 31.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is US Metro Bancorp stock overvalued right now?
Based on GuruFocus' analysis, US Metro Bancorp (USMT) is currently considered Fairly Valued. The stock's GF Value™ is $6.24, compared to a current price of $6.00 — trading 3.8% below its estimated fair value. The current Pretax Margin % is 29.12%, which is near median its 10-year median of 31.22 and 18.2% below the Banks industry median of 35.62. US Metro Bancorp's overall GF Score™ is 68/100 with 3 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 US Metro Bancorp (USMT), the current Pretax Margin % is 29.12% as of Jun. 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 US Metro Bancorp (USMT) Overvalued in 2026?
Based on GuruFocus' analysis, US Metro Bancorp stock appears to be undervalued.
The current stock price of $6.00 is trading 3.8% below its estimated GF Value™ of $6.24.
GuruFocus considers US Metro Bancorp to be Fairly Valued.
Key valuation signals for USMT:
Pretax Margin %: 29.12% (near median its 10-year median of 31.22)
GF Value™: $6.24 vs. price of $6.00 (3.8% below fair value)
Industry Position: 18.2% below the Banks median (#1051 of 1523)
No single metric tells the full story. See the USMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
US Metro Bancorp is a bank holding company. Through its banking subsidiary, it provides a full range of banking services to commercial businesses and individual consumers. These services mainly include personal savings accounts, online and mobile banking services, business checking accounts, certificate of deposit, consumer loans, commercial loans, treasury management solutions, business loans, wire transfers, and ATM services, among others. The Group operates through a network of branches and loan production offices located across different cities in the United States.
68GF Score
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