North Pacific BankFRA:2PT -1.83%63 Pretax Margin % is 9.52% as of Mar. 2026, which is 39% below its 10-year median of 15.63. GuruFocus rates FRA:2PT with a GF Score™ of 63/100 and a GF Value™ of €3.81. The stock has 6 warning signs investors should review. Among 1,530 Banks companies, North Pacific Bank ranks worse than 82.35% on this metric.
The historical rank and industry rank for North Pacific Bank's Pretax Margin % or its related term are showing as below:
FRA:2PT'
s Pretax Margin % Range Over the Past 10 Years
Min: 10.92 Med: 15.63 Max: 21.21
Current: 18.84
FRA:2PT's Pretax Margin % is ranked worse than 82.35% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs FRA:2PT: 18.84
North Pacific Bank (FRA:2PT) 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.
North Pacific Bank Pretax Margin % Related Terms
North Pacific Bank Pretax Margin % Historical Data
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The historical data trend for North Pacific 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.
North Pacific Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, North Pacific 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.
North Pacific Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where North Pacific 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.
North Pacific Bank (FRA:2PT) has a Pretax Margin % of 9.52% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on North Pacific Bank and its competitors. This is 39% below median its historical median of 15.63. Over the past decade, North Pacific Bank's Pretax Margin % has ranged from 10.92 to 21.21. According to the industry distribution chart, North Pacific Bank ranks #1260 out of 1530 companies in the Banks industry, placing it in the top 82.4%.
Is North Pacific Bank's Pretax Margin % too high?
North Pacific Bank's current Pretax Margin % of 9.52% is 39% below median its 10-year median of 15.63. Over the past 10 years, this metric has ranged from a low of 10.92 to a high of 21.21. The Banks industry median Pretax Margin % is 34.72. North Pacific Bank's value of 9.52% is 72.6% below this industry median. Based on the distribution chart, North Pacific Bank ranks #1260 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, North Pacific Bank has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #1260 out of 1530 companies for Pretax Margin %. This places North Pacific Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. North Pacific Bank's value of 9.52% is 72.6% below this benchmark. Historically, North Pacific Bank's own Pretax Margin % has ranged from 10.92 to 21.21 over the past decade. While the company's 10-year median is 15.63 vs. the industry median of 34.72, North Pacific 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 1,530 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. North Pacific Bank's current Pretax Margin % of 9.52% is 72.6% 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 North Pacific 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. North Pacific Bank's current Pretax Margin % is 9.52%, which is 39% below median its own 10-year median of 15.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Pacific Bank stock overvalued right now?
North Pacific Bank (FRA:2PT) has a current Pretax Margin % of 9.52%. The stock's GF Value™ is €3.81, compared to a current price of €5.35 — trading 40.4% above its estimated fair value. The current Pretax Margin % is 9.52%, which is 39% below median its 10-year median of 15.63 and 72.6% below the Banks industry median of 34.72. North Pacific Bank's overall GF Score™ is 63/100 with 6 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 North Pacific Bank (FRA:2PT), the current Pretax Margin % is 9.52% 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 North Pacific Bank (FRA:2PT) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of €5.35 is trading 40.4% above its estimated GF Value™ of €3.81.
Key valuation signals for FRA:2PT:
Pretax Margin %: 9.52% (39% below median its 10-year median of 15.63)
GF Value™: €3.81 vs. price of €5.35 (40.4% above fair value)
Industry Position: 72.6% below the Banks median (#1260 of 1530)
No single metric tells the full story. See the FRA:2PT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
63GF Score
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