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American Business BankAMBZ 64 Pretax Margin % is 50.47% as of Jun. 2026, which is 17% above its 10-year median of 43.21. GuruFocus rates AMBZ with a GF Score™ of 64/100 and a GF Value™ of $55.95 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, American Business Bank ranks better than 82.18% on this metric.
American Business Bank (OTCPK:AMBZ) 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.
American Business Bank Pretax Margin % Related Terms
American Business Bank Pretax Margin % Historical Data
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The historical data trend for American Business 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.
AMBZ vs AROW, BHB, RRBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, American Business 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.
American Business Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, American Business Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where American Business 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.
American Business Bank (AMBZ) has a Pretax Margin % of 50.47% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on American Business Bank and its competitors. This is 17% above median its historical median of 43.21. Over the past decade, American Business Bank's Pretax Margin % has ranged from 30.50 to 50.48. According to the industry distribution chart, American Business Bank ranks #272 out of 1526 companies in the Banks industry, placing it in the top 17.8%.
Is American Business Bank's Pretax Margin % too high?
American Business Bank's current Pretax Margin % of 50.47% is 17% above median its 10-year median of 43.21. Over the past 10 years, this metric has ranged from a low of 30.50 to a high of 50.48. The Banks industry median Pretax Margin % is 35.36. American Business Bank's value of 50.47% is 42.7% above this industry median. Based on the distribution chart, American Business Bank ranks #272 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, American Business Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Business Bank's Pretax Margin % compare to AROW and BHB?
According to the Banks industry distribution chart, American Business Bank ranks #272 out of 1526 companies for Pretax Margin %. This places American Business Bank in the top 18% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.36. American Business Bank's value of 50.47% is 42.7% above this benchmark. Historically, American Business Bank's own Pretax Margin % has ranged from 30.50 to 50.48 over the past decade. While the company's 10-year median is 43.21 vs. the industry median of 35.36, American Business Bank 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 35.36, based on 1,526 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. American Business Bank's current Pretax Margin % of 50.47% is 42.7% 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 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 American Business Bank and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Business Bank's current Pretax Margin % is 50.47%, which is 17% above median its own 10-year median of 43.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Business Bank stock overvalued right now?
Based on GuruFocus' analysis, American Business Bank (AMBZ) is currently considered Modestly Overvalued. The stock's GF Value™ is $55.95, compared to a current price of $72.90 — trading 30.3% above its estimated fair value. The current Pretax Margin % is 50.47%, which is 17% above median its 10-year median of 43.21 and 42.7% above the Banks industry median of 35.36. American Business Bank's overall GF Score™ is 64/100 with 4 warning signs to review. 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 American Business Bank (AMBZ), the current Pretax Margin % is 50.47% as of Jun. 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 American Business Bank (AMBZ) Overvalued in 2026?
Based on GuruFocus' analysis, American Business Bank stock appears to be overvalued.
The current stock price of $72.90 is trading 30.3% above its estimated GF Value™ of $55.95.
GuruFocus considers American Business Bank to be Modestly Overvalued.
Key valuation signals for AMBZ:
Pretax Margin %: 50.47% (17% above median its 10-year median of 43.21)
GF Value™: $55.95 vs. price of $72.90 (30.3% above fair value)
Industry Position: 42.7% above the Banks median (#272 of 1526)
No single metric tells the full story. See the AMBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Business Bank is a California-chartered bank mainly engaged in the business of serving the banking needs of small and medium-sized companies, non-profits, along with the personal needs of business executives and professionals in Southern California. Its revenues are derived principally from interest on loans and investments and other fees.
64GF Score
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