California BanCorpFRA:KZ9 +2.37%59 Pretax Margin % is 43.17% as of Mar. 2026, which is 148% above its 10-year median of 17.40. GuruFocus rates FRA:KZ9 with a GF Score™ of 59/100 and a GF Value™ of €13.59. The stock has 5 warning signs investors should review. Among 1,528 Banks companies, California BanCorp ranks better than 77.09% on this metric.
The historical rank and industry rank for California BanCorp's Pretax Margin % or its related term are showing as below:
FRA:KZ9'
s Pretax Margin % Range Over the Past 10 Years
Min: -56.59 Med: 17.4 Max: 48.82
Current: 46.43
FRA:KZ9's Pretax Margin % is ranked better than 77.09% of 1528
companies
in the Banks industry
Industry Median: 34.665
vs FRA:KZ9: 46.43
California BanCorp (FRA:KZ9) 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.
California BanCorp Pretax Margin % Related Terms
California BanCorp Pretax Margin % Historical Data
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The historical data trend for California 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.
FRA:KZ9 vs PFIS, THVB, TCBX: Pretax Margin % Comparison
For the Banks - Regional subindustry, California 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.
California BanCorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, California BanCorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where California 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.
California BanCorp (FRA:KZ9) has a Pretax Margin % of 43.17% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on California BanCorp and its competitors. This is 148% above median its historical median of 17.40. According to the industry distribution chart, California BanCorp ranks #350 out of 1528 companies in the Banks industry, placing it in the top 22.9%.
Is California BanCorp's Pretax Margin % too high?
California BanCorp's current Pretax Margin % of 43.17% is 148% above median its 10-year median of 17.40. The Banks industry median Pretax Margin % is 34.67. California BanCorp's value of 43.17% is 24.5% above this industry median. Based on the distribution chart, California BanCorp ranks #350 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, California BanCorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's Pretax Margin % compare to PFIS and THVB?
According to the Banks industry distribution chart, California BanCorp ranks #350 out of 1528 companies for Pretax Margin %. This places California BanCorp in the top 23% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.67. California BanCorp's value of 43.17% is 24.5% above this benchmark. While the company's 10-year median is 17.40 vs. the industry median of 34.67, California BanCorp 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 34.67, 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. California BanCorp's current Pretax Margin % of 43.17% is 24.5% 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 California 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. California BanCorp's current Pretax Margin % is 43.17%, which is 148% above median its own 10-year median of 17.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is California BanCorp stock overvalued right now?
California BanCorp (FRA:KZ9) has a current Pretax Margin % of 43.17%. The stock's GF Value™ is €13.59, compared to a current price of €17.30 — trading 27.3% above its estimated fair value. The current Pretax Margin % is 43.17%, which is 148% above median its 10-year median of 17.40 and 24.5% above the Banks industry median of 34.67. California BanCorp's overall GF Score™ is 59/100 with 5 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 California BanCorp (FRA:KZ9), the current Pretax Margin % is 43.17% 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 California BanCorp (FRA:KZ9) Overvalued in 2026?
Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued.
The current stock price of €17.30 is trading 27.3% above its estimated GF Value™ of €13.59.
Key valuation signals for FRA:KZ9:
Pretax Margin %: 43.17% (148% above median its 10-year median of 17.40)
GF Value™: €13.59 vs. price of €17.30 (27.3% above fair value)
Industry Position: 24.5% above the Banks median (#350 of 1528)
No single metric tells the full story. See the FRA:KZ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
59GF Score
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