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Pacific Alliance Bank CAPFBN 53 Net Margin % is 18.45% as of Dec. 2025, which is 19% below its 10-year median of 22.88. GuruFocus rates PFBN with a GF Score™ of 53/100 and a GF Value™ of $8.53 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Pacific Alliance Bank CA ranks worse than 74.38% on this metric.
Pacific Alliance Bank CA (OTCPK:PFBN) 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.
Pacific Alliance Bank CA Net Margin % Related Terms
Pacific Alliance Bank CA 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, Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA (PFBN) has a Net Margin % of 18.45% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pacific Alliance Bank CA and its competitors. This is 19% below median its historical median of 22.88. According to the industry distribution chart, Pacific Alliance Bank CA ranks #1135 out of 1526 companies in the Banks industry, placing it in the top 74.4%.
Is Pacific Alliance Bank CA's Net Margin % too high?
Pacific Alliance Bank CA's current Net Margin % of 18.45% is 19% below median its 10-year median of 22.88. The Banks industry median Net Margin % is 27.07. Pacific Alliance Bank CA's value of 18.45% is 31.8% below this industry median. Based on the distribution chart, Pacific Alliance Bank CA ranks #1135 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Pacific Alliance Bank CA has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Net Margin % compare to VWFB and ECLP?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #1135 out of 1526 companies for Net Margin %. This places Pacific Alliance Bank CA in the lower half of its industry. The industry median Net Margin % is 27.07. Pacific Alliance Bank CA's value of 18.45% is 31.8% below this benchmark. While the company's 10-year median is 22.88 vs. the industry median of 27.07, Pacific Alliance Bank CA 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.07, 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. Pacific Alliance Bank CA's current Net Margin % of 18.45% is 31.8% 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 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 Pacific Alliance Bank CA and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Alliance Bank CA's current Net Margin % is 18.45%, which is 19% below median its own 10-year median of 22.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Fairly Valued. The stock's GF Value™ is $8.53, compared to a current price of $9.27 — trading 8.7% above its estimated fair value. The current Net Margin % is 18.45%, which is 19% below median its 10-year median of 22.88 and 31.8% below the Banks industry median of 27.07. Pacific Alliance Bank CA's overall GF Score™ is 53/100 with 1 warning sign 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 Pacific Alliance Bank CA (PFBN), the current Net Margin % is 18.45% 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.
Is Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $9.27 is trading 8.7% above its estimated GF Value™ of $8.53.
GuruFocus considers Pacific Alliance Bank CA to be Fairly Valued.
Key valuation signals for PFBN:
Net Margin %: 18.45% (19% below median its 10-year median of 22.88)
GF Value™: $8.53 vs. price of $9.27 (8.7% above fair value)
Industry Position: 31.8% below the Banks median (#1135 of 1526)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
53GF Score
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