The historical rank and industry rank for California BanCorp's Net Margin % or its related term are showing as below:
FRA:KZ9'
s Net Margin % Range Over the Past 10 Years
Min: -56.62 Med: 12.74 Max: 35
Current: 33.41
FRA:KZ9's Net Margin % is ranked better than 71.64% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:KZ9: 33.41
California BanCorp (FRA:KZ9) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
California BanCorp Net Margin % Related Terms
California BanCorp Net Margin % Historical Data
* Premium members only.
The historical data trend for California BanCorp's Net 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.
FRA:KZ9 vs AROW, CARE, WASH: Net Margin % Comparison
For the Banks - Regional subindustry, California BanCorp's Net Margin %, along with its competitors' market caps and Net 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.
California BanCorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, California BanCorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where California BanCorp's Net 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.
California BanCorp (FRA:KZ9) has a Net Margin % of 31.19% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on California BanCorp and its competitors. This is 145% above median its historical median of 12.74. According to the industry distribution chart, California BanCorp ranks #433 out of 1527 companies in the Banks industry, placing it in the top 28.4%.
Is California BanCorp's Net Margin % too high?
California BanCorp's current Net Margin % of 31.19% is 145% above median its 10-year median of 12.74. The Banks industry median Net Margin % is 26.95. California BanCorp's value of 31.19% is 15.7% above this industry median. Based on the distribution chart, California BanCorp ranks #433 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, California BanCorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's Net Margin % compare to AROW and CARE?
According to the Banks industry distribution chart, California BanCorp ranks #433 out of 1527 companies for Net Margin %. This puts California BanCorp in the upper half of its industry. The industry median Net Margin % is 26.95. California BanCorp's value of 31.19% is 15.7% above this benchmark. While the company's 10-year median is 12.74 vs. the industry median of 26.95, California BanCorp 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California BanCorp's current Net Margin % of 31.19% is 15.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on California BanCorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California BanCorp's current Net Margin % is 31.19%, which is 145% above median its own 10-year median of 12.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is California BanCorp stock overvalued right now?
California BanCorp (FRA:KZ9) has a current Net Margin % of 31.19%. The stock's GF Value™ is €13.29, compared to a current price of €16.90 — trading 27.2% above its estimated fair value. The current Net Margin % is 31.19%, which is 145% above median its 10-year median of 12.74 and 15.7% above the Banks industry median of 26.95. California BanCorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For California BanCorp (FRA:KZ9), the current Net Margin % is 31.19% 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 California BanCorp (FRA:KZ9) Overvalued in 2026?
Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued.
The current stock price of €16.90 is trading 27.2% above its estimated GF Value™ of €13.29.
Key valuation signals for FRA:KZ9:
Net Margin %: 31.19% (145% above median its 10-year median of 12.74)
GF Value™: €13.29 vs. price of €16.90 (27.2% above fair value)
Industry Position: 15.7% above the Banks median (#433 of 1527)
No single metric tells the full story. See the FRA:KZ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
59GF Score
Get the complete analysis for FRA:KZ9
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:KZ9 has been successfully added to your 
