American Riviera BancorpARBV 62 Pretax Margin % is 36.24% as of Mar. 2026, which is 16% above its 10-year median of 31.12. GuruFocus rates ARBV with a GF Score™ of 62/100 and a GF Value™ of $22.79 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, American Riviera Bancorp ranks worse than 53.44% on this metric.
The historical rank and industry rank for American Riviera Bancorp's Pretax Margin % or its related term are showing as below:
ARBV'
s Pretax Margin % Range Over the Past 10 Years
Min: 27.13 Med: 31.12 Max: 38.37
Current: 33.59
ARBV's Pretax Margin % is ranked worse than 53.44% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs ARBV: 33.59
American Riviera Bancorp (OTCPK:ARBV) 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 Riviera Bancorp Pretax Margin % Related Terms
American Riviera Bancorp Pretax 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.
ARBV vs PONT, MSWV, ENBP: Pretax Margin % Comparison
For the Banks - Regional subindustry, American Riviera Bancorp'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 Riviera Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, American Riviera Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where American Riviera Bancorp'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 Riviera Bancorp (ARBV) has a Pretax Margin % of 36.24% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on American Riviera Bancorp and its competitors. This is 16% above median its historical median of 31.12. Over the past decade, American Riviera Bancorp's Pretax Margin % has ranged from 27.13 to 38.37. According to the industry distribution chart, American Riviera Bancorp ranks #816 out of 1527 companies in the Banks industry, placing it in the top 53.4%.
Is American Riviera Bancorp's Pretax Margin % too high?
American Riviera Bancorp's current Pretax Margin % of 36.24% is 16% above median its 10-year median of 31.12. Over the past 10 years, this metric has ranged from a low of 27.13 to a high of 38.37. The Banks industry median Pretax Margin % is 34.88. American Riviera Bancorp's value of 36.24% is 3.9% above this industry median. Based on the distribution chart, American Riviera Bancorp ranks #816 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, American Riviera Bancorp has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Riviera Bancorp's Pretax Margin % compare to PONT and MSWV?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #816 out of 1527 companies for Pretax Margin %. This places American Riviera Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. American Riviera Bancorp's value of 36.24% is 3.9% above this benchmark. Historically, American Riviera Bancorp's own Pretax Margin % has ranged from 27.13 to 38.37 over the past decade. While the company's 10-year median is 31.12 vs. the industry median of 34.88, American Riviera 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 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 Riviera Bancorp's current Pretax Margin % of 36.24% is 3.9% 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 Riviera Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current Pretax Margin % is 36.24%, which is 16% above median its own 10-year median of 31.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Riviera Bancorp stock overvalued right now?
Based on GuruFocus' analysis, American Riviera Bancorp (ARBV) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.79, compared to a current price of $26.40 — trading 15.8% above its estimated fair value. The current Pretax Margin % is 36.24%, which is 16% above median its 10-year median of 31.12 and 3.9% above the Banks industry median of 34.88. American Riviera Bancorp's overall GF Score™ is 62/100 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 Riviera Bancorp (ARBV), the current Pretax Margin % is 36.24% 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 American Riviera Bancorp (ARBV) Overvalued in 2026?
Based on GuruFocus' analysis, American Riviera Bancorp stock appears to be overvalued.
The current stock price of $26.40 is trading 15.8% above its estimated GF Value™ of $22.79.
GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.
Key valuation signals for ARBV:
Pretax Margin %: 36.24% (16% above median its 10-year median of 31.12)
GF Value™: $22.79 vs. price of $26.40 (15.8% above fair value)
Industry Position: 3.9% above the Banks median (#816 of 1527)
No single metric tells the full story. See the ARBV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Riviera Bancorp is a full-service community bank focused on serving the lending and deposit needs of businesses and consumers in its community. It provides commercial, residential mortgage, construction, and Small Business Administration lending services as well as convenient online and mobile technology. The full-service branches are located in Santa Barbara, Montecito, Goleta, San Luis Obispo, and Paso Robles.
62GF Score
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