Patria BankBSE:PBK +0.75%41 Pretax Margin % is 21.39% as of Mar. 2026, which is 182% above its 10-year median of 7.59. GuruFocus rates BSE:PBK with a GF Score™ of 41/100 and a GF Value™ of lei0.11 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,528 Banks companies, Patria Bank ranks worse than 74.61% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Patria Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was lei14.5 Mil. Patria Bank's Revenue for the
three
months ended in Mar. 2026 was lei68.0 Mil. Therefore, Patria Bank's pretax margin for the quarter that ended in Mar. 2026 was 21.39%.
The historical rank and industry rank for Patria Bank's Pretax Margin % or its related term are showing as below:
BSE:PBK'
s Pretax Margin % Range Over the Past 10 Years
Min: -26.52 Med: 7.59 Max: 24.13
Current: 23.7
BSE:PBK's Pretax Margin % is ranked worse than 74.61% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs BSE:PBK: 23.70
Patria Bank (BSE:PBK) 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.
Patria Bank Pretax Margin % Related Terms
Patria Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Patria 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.
For the Banks - Regional subindustry, Patria 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.
Patria Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Patria Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Patria 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.
Patria Bank (BSE:PBK) has a Pretax Margin % of 21.39% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Patria Bank and its competitors. This is 182% above median its historical median of 7.59. According to the industry distribution chart, Patria Bank ranks #1140 out of 1528 companies in the Banks industry, placing it in the top 74.6%.
Is Patria Bank's Pretax Margin % too high?
Patria Bank's current Pretax Margin % of 21.39% is 182% above median its 10-year median of 7.59. The Banks industry median Pretax Margin % is 34.72. Patria Bank's value of 21.39% is 38.4% below this industry median. Based on the distribution chart, Patria Bank ranks #1140 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Patria Bank has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Patria Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Patria Bank ranks #1140 out of 1528 companies for Pretax Margin %. This places Patria Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Patria Bank's value of 21.39% is 38.4% below this benchmark. While the company's 10-year median is 7.59 vs. the industry median of 34.72, Patria Bank 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 34.72, 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. Patria Bank's current Pretax Margin % of 21.39% is 38.4% 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 Patria Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patria Bank's current Pretax Margin % is 21.39%, which is 182% above median its own 10-year median of 7.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patria Bank stock overvalued right now?
Based on GuruFocus' analysis, Patria Bank (BSE:PBK) is currently considered Modestly Overvalued. The stock's GF Value™ is lei0.11, compared to a current price of lei0.13 — trading 22.3% above its estimated fair value. The current Pretax Margin % is 21.39%, which is 182% above median its 10-year median of 7.59 and 38.4% below the Banks industry median of 34.72. Patria Bank's overall GF Score™ is 41/100 with 7 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 Patria Bank (BSE:PBK), the current Pretax Margin % is 21.39% 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 Patria Bank (BSE:PBK) Overvalued in 2026?
Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued.
The current stock price of lei0.13 is trading 22.3% above its estimated GF Value™ of lei0.11.
GuruFocus considers Patria Bank to be Modestly Overvalued.
Key valuation signals for BSE:PBK:
Pretax Margin %: 21.39% (182% above median its 10-year median of 7.59)
GF Value™: lei0.11 vs. price of lei0.13 (22.3% above fair value)
Industry Position: 38.4% below the Banks median (#1140 of 1528)
No single metric tells the full story. See the BSE:PBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
41GF Score
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