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Partners Bank of CaliforniaPBKX -1.25%52 Net Margin % is 31.46% as of Mar. 2026, which is 31% above its 10-year median of 23.97. GuruFocus rates PBKX with a GF Score™ of 52/100 and a GF Value™ of $13.82 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Partners Bank of California ranks better than 54.13% on this metric.
Partners Bank of California (OTCPK:PBKX) 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.
Partners Bank of California Net Margin % Related Terms
Partners Bank of California Net Margin % Historical Data
* 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, Partners Bank of California'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.
Partners Bank of California Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Partners Bank of California's Net Margin % distribution charts can be found below:
* The bar in red indicates where Partners Bank of California'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.
Partners Bank of California (PBKX) has a Net Margin % of 31.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Partners Bank of California and its competitors. This is 31% above median its historical median of 23.97. Over the past decade, Partners Bank of California's Net Margin % has ranged from 14.34 to 30.29. According to the industry distribution chart, Partners Bank of California ranks #700 out of 1526 companies in the Banks industry, placing it in the top 45.9%.
Is Partners Bank of California's Net Margin % too high?
Partners Bank of California's current Net Margin % of 31.46% is 31% above median its 10-year median of 23.97. Over the past 10 years, this metric has ranged from a low of 14.34 to a high of 30.29. The Banks industry median Net Margin % is 27.06. Partners Bank of California's value of 31.46% is 16.3% above this industry median. Based on the distribution chart, Partners Bank of California ranks #700 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Partners Bank of California has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Partners Bank of California's Net Margin % compare to REDW and FSEA?
According to the Banks industry distribution chart, Partners Bank of California ranks #700 out of 1526 companies for Net Margin %. This puts Partners Bank of California in the upper half of its industry. The industry median Net Margin % is 27.06. Partners Bank of California's value of 31.46% is 16.3% above this benchmark. Historically, Partners Bank of California's own Net Margin % has ranged from 14.34 to 30.29 over the past decade. While the company's 10-year median is 23.97 vs. the industry median of 27.06, Partners Bank of California 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 27.06, based on 1,526 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. Partners Bank of California's current Net Margin % of 31.46% is 16.3% 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 Partners Bank of California and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Partners Bank of California's current Net Margin % is 31.46%, which is 31% above median its own 10-year median of 23.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Partners Bank of California stock overvalued right now?
Based on GuruFocus' analysis, Partners Bank of California (PBKX) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.82, compared to a current price of $19.75 — trading 42.9% above its estimated fair value. The current Net Margin % is 31.46%, which is 31% above median its 10-year median of 23.97 and 16.3% above the Banks industry median of 27.06. Partners Bank of California's overall GF Score™ is 52/100 with 6 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 Partners Bank of California (PBKX), the current Net Margin % is 31.46% 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 Partners Bank of California (PBKX) Overvalued in 2026?
Based on GuruFocus' analysis, Partners Bank of California stock appears to be overvalued.
The current stock price of $19.75 is trading 42.9% above its estimated GF Value™ of $13.82.
GuruFocus considers Partners Bank of California to be Significantly Overvalued.
Key valuation signals for PBKX:
Net Margin %: 31.46% (31% above median its 10-year median of 23.97)
GF Value™: $13.82 vs. price of $19.75 (42.9% above fair value)
Industry Position: 16.3% above the Banks median (#700 of 1526)
No single metric tells the full story. See the PBKX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Partners Bank of California is engaged in providing personal & commercial banking services to small & middle-market businesses, professional practices, commercial & industrial companies & individuals. Its banking products and services include checking accounts, savings accounts, and certificates of deposit; online banking services, such as bills and schedule payments and funds transfer services. It also offers business banking and commercial lending.
52GF Score
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