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MF Banka ADXBLB:IEFB-R-A Pretax Margin % is 40.92% as of Dec. 2025, which is 73% above its 10-year median of 23.67. The stock has 2 warning signs investors should review.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. MF Banka AD's Pre-Tax Income for the
six
months ended in Dec. 2025 was BAM11.06 Mil. MF Banka AD's Revenue for the
six
months ended in Dec. 2025 was BAM27.02 Mil. Therefore, MF Banka AD's pretax margin for the quarter that ended in Dec. 2025 was 40.92%.
The historical rank and industry rank for MF Banka AD's Pretax Margin % or its related term are showing as below:
XBLB:IEFB-R-A'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.42 Med: 23.67 Max: 31.23
Current: 31.23
XBLB:IEFB-R-A's Pretax Margin % is not ranked
in the Banks industry.
Industry Median: 34.65
vs XBLB:IEFB-R-A: 31.23
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD Pretax Margin % Related Terms
MF Banka AD Pretax Margin % Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: Pretax Margin % Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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.
MF Banka AD (XBLB:IEFB-R-A) has a Pretax Margin % of 40.92% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on MF Banka AD and its competitors. This is 73% above median its historical median of 23.67. Over the past decade, MF Banka AD's Pretax Margin % has ranged from 15.42 to 31.23.
Is MF Banka AD's Pretax Margin % too high?
MF Banka AD's current Pretax Margin % of 40.92% is 73% above median its 10-year median of 23.67. Over the past 10 years, this metric has ranged from a low of 15.42 to a high of 31.23. The Banks industry median Pretax Margin % is 34.65. MF Banka AD's value of 40.92% is 18.1% above this industry median.
How does MF Banka AD's Pretax Margin % compare to USB and PNC?
MF Banka AD's Pretax Margin % of 40.92% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 34.65. MF Banka AD's value of 40.92% is 18.1% above this benchmark. Historically, MF Banka AD's own Pretax Margin % has ranged from 15.42 to 31.23 over the past decade. While the company's 10-year median is 23.67 vs. the industry median of 34.65, MF Banka AD 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 34.65, 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. MF Banka AD's current Pretax Margin % of 40.92% is 18.1% 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 MF Banka AD and its competitors. For the Banks industry, the median Pretax Margin % is 34.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MF Banka AD's current Pretax Margin % is 40.92%, which is 73% above median its own 10-year median of 23.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Pretax Margin % of 40.92%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Pretax Margin % is 40.92%, which is 73% above median its 10-year median of 23.67 and 18.1% above the Banks industry median of 34.65. 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 MF Banka AD (XBLB:IEFB-R-A), the current Pretax Margin % is 40.92% 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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