The historical rank and industry rank for Woodlands Financial Services Co's Pretax Margin % or its related term are showing as below:
WDFN'
s Pretax Margin % Range Over the Past 10 Years
Min: -27.16 Med: 28.99 Max: 33.9
Current: 28.21
WDFN's Pretax Margin % is ranked worse than 67.85% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs WDFN: 28.21
Woodlands Financial Services Co (OTCPK:WDFN) 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.
Woodlands Financial Services Co Pretax Margin % Related Terms
Woodlands Financial Services Co Pretax Margin % Historical Data
* 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.
Woodlands Financial Services Co Pretax Margin % Chart
WDFN vs ESBS, SOUB, QNTO: Pretax Margin % Comparison
For the Banks - Regional subindustry, Woodlands Financial Services Co'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.
Woodlands Financial Services Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co'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.
Woodlands Financial Services Co (WDFN) has a Pretax Margin % of 31.47% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Woodlands Financial Services Co and its competitors. This is near median its historical median of 28.99. According to the industry distribution chart, Woodlands Financial Services Co ranks #1036 out of 1527 companies in the Banks industry, placing it in the top 67.8%.
Is Woodlands Financial Services Co's Pretax Margin % too high?
Woodlands Financial Services Co's current Pretax Margin % of 31.47% is near median its 10-year median of 28.99. The Banks industry median Pretax Margin % is 34.88. Woodlands Financial Services Co's value of 31.47% is 9.8% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #1036 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Woodlands Financial Services Co has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's Pretax Margin % compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #1036 out of 1527 companies for Pretax Margin %. This places Woodlands Financial Services Co in the lower half of its industry. The industry median Pretax Margin % is 34.88. Woodlands Financial Services Co's value of 31.47% is 9.8% below this benchmark. While the company's 10-year median is 28.99 vs. the industry median of 34.88, Woodlands Financial Services Co 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 34.88, 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. Woodlands Financial Services Co's current Pretax Margin % of 31.47% is 9.8% 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 Woodlands Financial Services Co 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. Woodlands Financial Services Co's current Pretax Margin % is 31.47%, which is near median its own 10-year median of 28.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodlands Financial Services Co stock overvalued right now?
Based on GuruFocus' analysis, Woodlands Financial Services Co (WDFN) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.91, compared to a current price of $32.00 — trading 28.5% above its estimated fair value. The current Pretax Margin % is 31.47%, which is near median its 10-year median of 28.99 and 9.8% below the Banks industry median of 34.88. Woodlands Financial Services Co's overall GF Score™ is 57/100 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 Woodlands Financial Services Co (WDFN), the current Pretax Margin % is 31.47% 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 Woodlands Financial Services Co (WDFN) Overvalued in 2026?
Based on GuruFocus' analysis, Woodlands Financial Services Co stock appears to be overvalued.
The current stock price of $32.00 is trading 28.5% above its estimated GF Value™ of $24.91.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Pretax Margin %: 31.47% (near median its 10-year median of 28.99)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 9.8% below the Banks median (#1036 of 1527)
No single metric tells the full story. See the WDFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodlands Financial Services Co Business Description
Woodlands Financial Services Co is a Pennsylvania corporation organized as financial services holding company of Woodlands Bank. The Bank is a state chartered commercial bank located in Williamsport, Pennsylvania and operates as a traditional community bank, providing commercial and consumer banking and trust services in Lycoming and Clinton Counties and the surrounding market area. Its services comprise Merchant Services, Cyber Security, Online Banking & Bill Pay, Mobile Banking and Additional Bank Services. The Company has determined that its only reportable segment is community banking. It also offers other services including trust and asset management and money orders.
57GF Score
Get the complete analysis for WDFN
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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