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WVS FinancialWVFC 50 Pretax Margin % is 47.64% as of Jun. 2026, which is 20% above its 10-year median of 39.80. GuruFocus rates WVFC with a GF Score™ of 50/100 and a GF Value™ of $16.56 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, WVS Financial ranks better than 74.31% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. WVS Financial's Pre-Tax Income for the
three
months ended in Jun. 2026 was $0.89 Mil. WVS Financial's Revenue for the
three
months ended in Jun. 2026 was $1.87 Mil. Therefore, WVS Financial's pretax margin for the quarter that ended in Jun. 2026 was 47.64%.
The historical rank and industry rank for WVS Financial's Pretax Margin % or its related term are showing as below:
WVFC'
s Pretax Margin % Range Over the Past 10 Years
Min: 32.08 Med: 39.8 Max: 49.75
Current: 45.73
WVFC's Pretax Margin % is ranked better than 74.31% of 1518
companies
in the Banks industry
Industry Median: 35.68
vs WVFC: 45.73
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.
WVS Financial Pretax Margin % Related Terms
WVS Financial Pretax Margin % Historical Data
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The historical data trend for WVS Financial'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.
WVFC vs PWBK, AMFC, JFWV: Pretax Margin % Comparison
For the Banks - Regional subindustry, WVS Financial'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.
WVS Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, WVS Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where WVS Financial'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.
WVS Financial (WVFC) has a Pretax Margin % of 47.64% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on WVS Financial and its competitors. This is 20% above median its historical median of 39.80. Over the past decade, WVS Financial's Pretax Margin % has ranged from 32.08 to 49.75. According to the industry distribution chart, WVS Financial ranks #390 out of 1518 companies in the Banks industry, placing it in the top 25.7%.
Is WVS Financial's Pretax Margin % too high?
WVS Financial's current Pretax Margin % of 47.64% is 20% above median its 10-year median of 39.80. Over the past 10 years, this metric has ranged from a low of 32.08 to a high of 49.75. The Banks industry median Pretax Margin % is 35.68. WVS Financial's value of 47.64% is 33.5% above this industry median. Based on the distribution chart, WVS Financial ranks #390 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, WVS Financial has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WVS Financial's Pretax Margin % compare to PWBK and AMFC?
According to the Banks industry distribution chart, WVS Financial ranks #390 out of 1518 companies for Pretax Margin %. This puts WVS Financial in the upper half of its industry. The industry median Pretax Margin % is 35.68. WVS Financial's value of 47.64% is 33.5% above this benchmark. Historically, WVS Financial's own Pretax Margin % has ranged from 32.08 to 49.75 over the past decade. While the company's 10-year median is 39.80 vs. the industry median of 35.68, WVS Financial 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 35.68, based on 1,518 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. WVS Financial's current Pretax Margin % of 47.64% is 33.5% 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 WVS Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WVS Financial's current Pretax Margin % is 47.64%, which is 20% above median its own 10-year median of 39.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WVS Financial stock overvalued right now?
Based on GuruFocus' analysis, WVS Financial (WVFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.56, compared to a current price of $20.50 — trading 23.8% above its estimated fair value. The current Pretax Margin % is 47.64%, which is 20% above median its 10-year median of 39.80 and 33.5% above the Banks industry median of 35.68. WVS Financial's overall GF Score™ is 50/100 with 6 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 WVS Financial (WVFC), the current Pretax Margin % is 47.64% 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 WVS Financial (WVFC) Overvalued in 2026?
Based on GuruFocus' analysis, WVS Financial stock appears to be overvalued.
The current stock price of $20.50 is trading 23.8% above its estimated GF Value™ of $16.56.
GuruFocus considers WVS Financial to be Modestly Overvalued.
Key valuation signals for WVFC:
Pretax Margin %: 47.64% (20% above median its 10-year median of 39.80)
GF Value™: $16.56 vs. price of $20.50 (23.8% above fair value)
Industry Position: 33.5% above the Banks median (#390 of 1518)
No single metric tells the full story. See the WVFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WVS Financial Corp chartered unitary bank holding company. Through its banking subsidiary, it provides various banking products and services to residents and businesses. The principal categories of loans in its portfolio are single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, and commercial loans, among others. The group also offers various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, etc., and other banking products and serivces such as online banking, credit cards, safe deposit boxes, debit cards, etc.
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