CB First Investment Bank ADFRA:834 61 Pretax Margin % is 34.62% as of Mar. 2026, which is 33% above its 10-year median of 26.07. GuruFocus rates FRA:834 with a GF Score™ of 61/100 and a GF Value™ of €4.52 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, CB First Investment Bank AD ranks worse than 63.15% on this metric.
The historical rank and industry rank for CB First Investment Bank AD's Pretax Margin % or its related term are showing as below:
FRA:834'
s Pretax Margin % Range Over the Past 10 Years
Min: 13.42 Med: 26.07 Max: 32.85
Current: 29.89
FRA:834's Pretax Margin % is ranked worse than 63.15% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs FRA:834: 29.89
CB First Investment Bank AD (FRA:834) 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.
CB First Investment Bank AD Pretax Margin % Related Terms
CB First Investment Bank AD 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.
For the Banks - Regional subindustry, CB First Investment Bank AD'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.
CB First Investment Bank AD Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB First Investment Bank AD's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CB First Investment Bank AD'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.
CB First Investment Bank AD (FRA:834) has a Pretax Margin % of 34.62% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CB First Investment Bank AD and its competitors. This is 33% above median its historical median of 26.07. Over the past decade, CB First Investment Bank AD's Pretax Margin % has ranged from 13.42 to 32.85. According to the industry distribution chart, CB First Investment Bank AD ranks #965 out of 1528 companies in the Banks industry, placing it in the top 63.2%.
Is CB First Investment Bank AD's Pretax Margin % too high?
CB First Investment Bank AD's current Pretax Margin % of 34.62% is 33% above median its 10-year median of 26.07. Over the past 10 years, this metric has ranged from a low of 13.42 to a high of 32.85. The Banks industry median Pretax Margin % is 34.72. CB First Investment Bank AD's value of 34.62% is 0.3% below this industry median. Based on the distribution chart, CB First Investment Bank AD ranks #965 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, CB First Investment Bank AD has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB First Investment Bank AD's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB First Investment Bank AD ranks #965 out of 1528 companies for Pretax Margin %. This places CB First Investment Bank AD in the lower half of its industry. The industry median Pretax Margin % is 34.72. CB First Investment Bank AD's value of 34.62% is 0.3% below this benchmark. Historically, CB First Investment Bank AD's own Pretax Margin % has ranged from 13.42 to 32.85 over the past decade. While the company's 10-year median is 26.07 vs. the industry median of 34.72, CB First Investment Bank AD 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. CB First Investment Bank AD's current Pretax Margin % of 34.62% is 0.3% 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 CB First Investment Bank AD 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. CB First Investment Bank AD's current Pretax Margin % is 34.62%, which is 33% above median its own 10-year median of 26.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB First Investment Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Significantly Undervalued. The stock's GF Value™ is €4.52, compared to a current price of €3.02 — trading 33.2% below its estimated fair value. The current Pretax Margin % is 34.62%, which is 33% above median its 10-year median of 26.07 and 0.3% below the Banks industry median of 34.72. CB First Investment Bank AD's overall GF Score™ is 61/100 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 CB First Investment Bank AD (FRA:834), the current Pretax Margin % is 34.62% 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?
Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued.
The current stock price of €3.02 is trading 33.2% below its estimated GF Value™ of €4.52.
GuruFocus considers CB First Investment Bank AD to be Significantly Undervalued.
Key valuation signals for FRA:834:
Pretax Margin %: 34.62% (33% above median its 10-year median of 26.07)
GF Value™: €4.52 vs. price of €3.02 (33.2% below fair value)
Industry Position: 0.3% below the Banks median (#965 of 1528)
No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.
61GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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