Omavings BankFRA:OM0 -1.37%77 Pretax Margin % is 27.43% as of Mar. 2026, which is 21% below its 10-year median of 34.61. GuruFocus rates FRA:OM0 with a GF Score™ of 77/100 and a GF Value™ of €10.71. The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Omavings Bank ranks worse than 67.41% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Omavings Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was €13.9 Mil. Omavings Bank's Revenue for the
three
months ended in Mar. 2026 was €50.7 Mil. Therefore, Omavings Bank's pretax margin for the quarter that ended in Mar. 2026 was 27.43%.
The historical rank and industry rank for Omavings Bank's Pretax Margin % or its related term are showing as below:
FRA:OM0'
s Pretax Margin % Range Over the Past 10 Years
Min: 22.22 Med: 34.61 Max: 56.3
Current: 28.29
FRA:OM0's Pretax Margin % is ranked worse than 67.41% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs FRA:OM0: 28.29
Omavings Bank (FRA:OM0) 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.
Omavings Bank Pretax Margin % Related Terms
Omavings Bank Pretax Margin % Historical Data
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The historical data trend for Omavings 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, Omavings 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.
Omavings Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Omavings Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Omavings 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.
Omavings Bank (FRA:OM0) has a Pretax Margin % of 27.43% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Omavings Bank and its competitors. This is 21% below median its historical median of 34.61. Over the past decade, Omavings Bank's Pretax Margin % has ranged from 22.22 to 56.30. According to the industry distribution chart, Omavings Bank ranks #1030 out of 1528 companies in the Banks industry, placing it in the top 67.4%.
Is Omavings Bank's Pretax Margin % too high?
Omavings Bank's current Pretax Margin % of 27.43% is 21% below median its 10-year median of 34.61. Over the past 10 years, this metric has ranged from a low of 22.22 to a high of 56.30. The Banks industry median Pretax Margin % is 34.72. Omavings Bank's value of 27.43% is 21% below this industry median. Based on the distribution chart, Omavings Bank ranks #1030 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Omavings Bank has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Omavings Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Omavings Bank ranks #1030 out of 1528 companies for Pretax Margin %. This places Omavings Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Omavings Bank's value of 27.43% is 21% below this benchmark. Historically, Omavings Bank's own Pretax Margin % has ranged from 22.22 to 56.30 over the past decade. While the company's 10-year median is 34.61 vs. the industry median of 34.72, Omavings 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. Omavings Bank's current Pretax Margin % of 27.43% is 21% 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 Omavings 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. Omavings Bank's current Pretax Margin % is 27.43%, which is 21% below median its own 10-year median of 34.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Omavings Bank stock overvalued right now?
Omavings Bank (FRA:OM0) has a current Pretax Margin % of 27.43%. The stock's GF Value™ is €10.71, compared to a current price of €11.48 — trading 7.2% above its estimated fair value. The current Pretax Margin % is 27.43%, which is 21% below median its 10-year median of 34.61 and 21% below the Banks industry median of 34.72. Omavings Bank's overall GF Score™ is 77/100 with 3 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 Omavings Bank (FRA:OM0), the current Pretax Margin % is 27.43% 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 Omavings Bank (FRA:OM0) Overvalued in 2026?
Based on GuruFocus' analysis, Omavings Bank stock appears to be overvalued.
The current stock price of €11.48 is trading 7.2% above its estimated GF Value™ of €10.71.
Key valuation signals for FRA:OM0:
Pretax Margin %: 27.43% (21% below median its 10-year median of 34.61)
GF Value™: €10.71 vs. price of €11.48 (7.2% above fair value)
Industry Position: 21% below the Banks median (#1030 of 1528)
No single metric tells the full story. See the FRA:OM0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oma Savings Bank PLC is a Finnish savings bank. The Company is engaged in retail banking and mortgage banking. The company focuses predominantly on retail banking operations and provides its clients with a broad range of banking services. The products offered by the company include credit, investment, online banking, and loan insurance, among others.
77GF Score
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