CVB FinancialFRA:BCV -2.58%61 Pretax Margin % is 51.89% as of Mar. 2026, which is 9% below its 10-year median of 57.31. GuruFocus rates FRA:BCV with a GF Score™ of 61/100 and a GF Value™ of €18.03. The stock has 4 warning signs investors should review. Among 1,525 Banks companies, CVB Financial ranks better than 86.89% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. CVB Financial's Pre-Tax Income for the
three
months ended in Mar. 2026 was €59.3 Mil. CVB Financial's Revenue for the
three
months ended in Mar. 2026 was €114.3 Mil. Therefore, CVB Financial's pretax margin for the quarter that ended in Mar. 2026 was 51.89%.
The historical rank and industry rank for CVB Financial's Pretax Margin % or its related term are showing as below:
FRA:BCV'
s Pretax Margin % Range Over the Past 10 Years
Min: 53.75 Med: 57.31 Max: 64.46
Current: 53.89
FRA:BCV's Pretax Margin % is ranked better than 86.89% of 1525
companies
in the Banks industry
Industry Median: 34.66
vs FRA:BCV: 53.89
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.
CVB Financial Pretax Margin % Related Terms
CVB Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for CVB Financial'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.
FRA:BCV vs RNST, WSFS, FBP: Pretax Margin % Comparison
For the Banks - Regional subindustry, CVB Financial'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.
CVB Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CVB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CVB Financial'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.
CVB Financial (FRA:BCV) has a Pretax Margin % of 51.89% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CVB Financial and its competitors. This is near median its historical median of 57.31. Over the past decade, CVB Financial's Pretax Margin % has ranged from 53.75 to 64.46. According to the industry distribution chart, CVB Financial ranks #200 out of 1525 companies in the Banks industry, placing it in the top 13.1%.
Is CVB Financial's Pretax Margin % too high?
CVB Financial's current Pretax Margin % of 51.89% is near median its 10-year median of 57.31. Over the past 10 years, this metric has ranged from a low of 53.75 to a high of 64.46. The Banks industry median Pretax Margin % is 34.66. CVB Financial's value of 51.89% is 49.7% above this industry median. Based on the distribution chart, CVB Financial ranks #200 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CVB Financial has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does CVB Financial's Pretax Margin % compare to RNST and WSFS?
According to the Banks industry distribution chart, CVB Financial ranks #200 out of 1525 companies for Pretax Margin %. This places CVB Financial in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.66. CVB Financial's value of 51.89% is 49.7% above this benchmark. Historically, CVB Financial's own Pretax Margin % has ranged from 53.75 to 64.46 over the past decade. While the company's 10-year median is 57.31 vs. the industry median of 34.66, CVB Financial 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 34.66, based on 1,525 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. CVB Financial's current Pretax Margin % of 51.89% is 49.7% 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 CVB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CVB Financial's current Pretax Margin % is 51.89%, which is near median its own 10-year median of 57.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CVB Financial stock overvalued right now?
CVB Financial (FRA:BCV) has a current Pretax Margin % of 51.89%. The stock's GF Value™ is €18.03, compared to a current price of €18.90 — trading 4.8% above its estimated fair value. The current Pretax Margin % is 51.89%, which is near median its 10-year median of 57.31 and 49.7% above the Banks industry median of 34.66. CVB Financial'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 CVB Financial (FRA:BCV), the current Pretax Margin % is 51.89% 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 CVB Financial (FRA:BCV) Overvalued in 2026?
Based on GuruFocus' analysis, CVB Financial stock appears to be overvalued.
The current stock price of €18.90 is trading 4.8% above its estimated GF Value™ of €18.03.
Key valuation signals for FRA:BCV:
Pretax Margin %: 51.89% (near median its 10-year median of 57.31)
GF Value™: €18.03 vs. price of €18.90 (4.8% above fair value)
Industry Position: 49.7% above the Banks median (#200 of 1525)
No single metric tells the full story. See the FRA:BCV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CVB Financial Corp is the holding company for Citizens Business Bank. Citizens Business Bank offers banking, lending, and investing services. It provides a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans, as well as equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit. It is a community bank with one reportable operating segment.
61GF Score
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