BH BankXTUN:BH 81 Pretax Margin % is 14.34% as of Dec. 2024, which is 55% below its 10-year median of 31.71. GuruFocus rates XTUN:BH with a GF Score™ of 81/100 and a GF Value™ of TND13.06 (Modestly Undervalued). Among 1,528 Banks companies, BH Bank ranks worse than 87.11% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. BH Bank's Pre-Tax Income for the
six
months ended in Dec. 2024 was TND140.7 Mil. BH Bank's Revenue for the
six
months ended in Dec. 2024 was TND981.8 Mil. Therefore, BH Bank's pretax margin for the quarter that ended in Dec. 2024 was 14.34%.
The historical rank and industry rank for BH Bank's Pretax Margin % or its related term are showing as below:
XTUN:BH'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.34 Med: 31.71 Max: 37.13
Current: 14.34
XTUN:BH's Pretax Margin % is ranked worse than 87.11% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs XTUN:BH: 14.34
BH Bank (XTUN:BH) 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.
BH Bank Pretax Margin % Related Terms
BH Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for BH Bank'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.
For the Banks - Regional subindustry, BH Bank'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.
BH Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BH Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where BH Bank'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.
BH Bank (XTUN:BH) has a Pretax Margin % of 14.34% as of Dec. 2024. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on BH Bank and its competitors. This is 55% below median its historical median of 31.71. Over the past decade, BH Bank's Pretax Margin % has ranged from 14.34 to 37.13. According to the industry distribution chart, BH Bank ranks #1331 out of 1528 companies in the Banks industry, placing it in the top 87.1%.
Is BH Bank's Pretax Margin % too high?
BH Bank's current Pretax Margin % of 14.34% is 55% below median its 10-year median of 31.71. Over the past 10 years, this metric has ranged from a low of 14.34 to a high of 37.13. The Banks industry median Pretax Margin % is 34.72. BH Bank's value of 14.34% is 58.7% below this industry median. Based on the distribution chart, BH Bank ranks #1331 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BH Bank has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BH Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, BH Bank ranks #1331 out of 1528 companies for Pretax Margin %. This places BH Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. BH Bank's value of 14.34% is 58.7% below this benchmark. Historically, BH Bank's own Pretax Margin % has ranged from 14.34 to 37.13 over the past decade. While the company's 10-year median is 31.71 vs. the industry median of 34.72, BH Bank 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 1,528 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. BH Bank's current Pretax Margin % of 14.34% is 58.7% 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 BH Bank 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. BH Bank's current Pretax Margin % is 14.34%, which is 55% below median its own 10-year median of 31.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BH Bank stock overvalued right now?
Based on GuruFocus' analysis, BH Bank (XTUN:BH) is currently considered Modestly Undervalued. The stock's GF Value™ is TND13.06, compared to a current price of TND10.20 — trading 21.9% below its estimated fair value. The current Pretax Margin % is 14.34%, which is 55% below median its 10-year median of 31.71 and 58.7% below the Banks industry median of 34.72. BH Bank's overall GF Score™ is 81/100. 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 BH Bank (XTUN:BH), the current Pretax Margin % is 14.34% as of Dec. 2024. 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 BH Bank (XTUN:BH) Overvalued in 2026?
Based on GuruFocus' analysis, BH Bank stock appears to be undervalued.
The current stock price of TND10.20 is trading 21.9% below its estimated GF Value™ of TND13.06.
GuruFocus considers BH Bank to be Modestly Undervalued.
Key valuation signals for XTUN:BH:
Pretax Margin %: 14.34% (55% below median its 10-year median of 31.71)
GF Value™: TND13.06 vs. price of TND10.20 (21.9% below fair value)
Industry Position: 58.7% below the Banks median (#1331 of 1528)
No single metric tells the full story. See the XTUN:BH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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