Woodsboro Bk MDWOBK 57 Pretax Margin % is 31.41% as of Dec. 2025, which is 20% above its 10-year median of 26.28. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Woodsboro Bk MD ranks worse than 59.02% on this metric.
The historical rank and industry rank for Woodsboro Bk MD's Pretax Margin % or its related term are showing as below:
WOBK'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.19 Med: 26.28 Max: 31.47
Current: 31.42
WOBK's Pretax Margin % is ranked worse than 59.02% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs WOBK: 31.42
Woodsboro Bk MD (OTCPK:WOBK) 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.
Woodsboro Bk MD Pretax Margin % Related Terms
Woodsboro Bk MD Pretax Margin % Historical Data
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The historical data trend for Woodsboro Bk MD'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.
WOBK vs FBPA, PWBK, RBNK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD'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.
Woodsboro Bk MD Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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.
Woodsboro Bk MD (WOBK) has a Pretax Margin % of 31.41% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Woodsboro Bk MD and its competitors. This is 20% above median its historical median of 26.28. Over the past decade, Woodsboro Bk MD's Pretax Margin % has ranged from 16.19 to 31.47. According to the industry distribution chart, Woodsboro Bk MD ranks #903 out of 1530 companies in the Banks industry, placing it in the top 59%.
Is Woodsboro Bk MD's Pretax Margin % too high?
Woodsboro Bk MD's current Pretax Margin % of 31.41% is 20% above median its 10-year median of 26.28. Over the past 10 years, this metric has ranged from a low of 16.19 to a high of 31.47. The Banks industry median Pretax Margin % is 34.72. Woodsboro Bk MD's value of 31.41% is 9.5% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #903 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Pretax Margin % compare to FBPA and PWBK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #903 out of 1530 companies for Pretax Margin %. This places Woodsboro Bk MD in the lower half of its industry. The industry median Pretax Margin % is 34.72. Woodsboro Bk MD's value of 31.41% is 9.5% below this benchmark. Historically, Woodsboro Bk MD's own Pretax Margin % has ranged from 16.19 to 31.47 over the past decade. While the company's 10-year median is 26.28 vs. the industry median of 34.72, Woodsboro Bk MD 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 1,530 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. Woodsboro Bk MD's current Pretax Margin % of 31.41% is 9.5% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current Pretax Margin % is 31.41%, which is 20% above median its own 10-year median of 26.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $82.00 — trading 26.4% above its estimated fair value. The current Pretax Margin % is 31.41%, which is 20% above median its 10-year median of 26.28 and 9.5% below the Banks industry median of 34.72. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current Pretax Margin % is 31.41% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $82.00 is trading 26.4% above its estimated GF Value™ of $64.87.
GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.
Key valuation signals for WOBK:
Pretax Margin %: 31.41% (20% above median its 10-year median of 26.28)
GF Value™: $64.87 vs. price of $82.00 (26.4% above fair value)
Industry Position: 9.5% below the Banks median (#903 of 1530)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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