Avidia BancorpAVBC -1.95%10 Pretax Margin % is 29.34% as of Mar. 2026, which is 64% above its 10-year median of 17.90. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Avidia Bancorp ranks worse than 83.77% on this metric.
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.
Avidia Bancorp Pretax Margin % Related Terms
Avidia Bancorp Pretax Margin % Historical Data
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The historical data trend for Avidia Bancorp'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.
AVBC vs RVRF, MVBF, USCB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Avidia 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.
Avidia Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Avidia 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.
Avidia Bancorp (AVBC) has a Pretax Margin % of 29.34% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Avidia Bancorp and its competitors. This is 64% above median its historical median of 17.90. According to the industry distribution chart, Avidia Bancorp ranks #1280 out of 1528 companies in the Banks industry, placing it in the top 83.8%.
Is Avidia Bancorp's Pretax Margin % too high?
Avidia Bancorp's current Pretax Margin % of 29.34% is 64% above median its 10-year median of 17.90. The Banks industry median Pretax Margin % is 34.67. Avidia Bancorp's value of 29.34% is 15.4% below this industry median. Based on the distribution chart, Avidia Bancorp ranks #1280 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avidia Bancorp has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Avidia Bancorp's Pretax Margin % compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1280 out of 1528 companies for Pretax Margin %. This places Avidia Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.67. Avidia Bancorp's value of 29.34% is 15.4% below this benchmark. While the company's 10-year median is 17.90 vs. the industry median of 34.67, Avidia Bancorp 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.67, based on 1,528 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. Avidia Bancorp's current Pretax Margin % of 29.34% is 15.4% 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 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 Avidia Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Pretax Margin % is 29.34%, which is 64% above median its own 10-year median of 17.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidia Bancorp stock overvalued right now?
Avidia Bancorp (AVBC) has a current Pretax Margin % of 29.34%. The current Pretax Margin % is 29.34%, which is 64% above median its 10-year median of 17.90 and 15.4% below the Banks industry median of 34.67. Avidia Bancorp's overall GF Score™ is 10/100 with 1 warning sign 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 Avidia Bancorp (AVBC), the current Pretax Margin % is 29.34% 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.
Avidia Bancorp Inc business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans.
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