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Mission Valley BancorpMVLY +0.25%71 Pretax Margin % is 10.49% as of Mar. 2026, which is 60% below its 10-year median of 26.41. GuruFocus rates MVLY with a GF Score™ of 71/100 and a GF Value™ of $17.73 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Mission Valley Bancorp ranks worse than 75.34% on this metric.
The historical rank and industry rank for Mission Valley Bancorp's Pretax Margin % or its related term are showing as below:
MVLY'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.59 Med: 26.41 Max: 34.21
Current: 23.58
MVLY's Pretax Margin % is ranked worse than 75.34% of 1529
companies
in the Banks industry
Industry Median: 34.94
vs MVLY: 23.58
Mission Valley Bancorp (OTCPK:MVLY) 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.
Mission Valley Bancorp Pretax Margin % Related Terms
Mission Valley Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Mission Valley 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.
MVLY vs CBWA, ASRV, HFBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Mission Valley 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.
Mission Valley Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mission Valley Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Mission Valley 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.
Mission Valley Bancorp (MVLY) has a Pretax Margin % of 10.49% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Mission Valley Bancorp and its competitors. This is 60% below median its historical median of 26.41. Over the past decade, Mission Valley Bancorp's Pretax Margin % has ranged from 16.59 to 34.21. According to the industry distribution chart, Mission Valley Bancorp ranks #1152 out of 1529 companies in the Banks industry, placing it in the top 75.3%.
Is Mission Valley Bancorp's Pretax Margin % too high?
Mission Valley Bancorp's current Pretax Margin % of 10.49% is 60% below median its 10-year median of 26.41. Over the past 10 years, this metric has ranged from a low of 16.59 to a high of 34.21. The Banks industry median Pretax Margin % is 34.94. Mission Valley Bancorp's value of 10.49% is 70% below this industry median. Based on the distribution chart, Mission Valley Bancorp ranks #1152 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mission Valley Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mission Valley Bancorp's Pretax Margin % compare to CBWA and ASRV?
According to the Banks industry distribution chart, Mission Valley Bancorp ranks #1152 out of 1529 companies for Pretax Margin %. This places Mission Valley Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.94. Mission Valley Bancorp's value of 10.49% is 70% below this benchmark. Historically, Mission Valley Bancorp's own Pretax Margin % has ranged from 16.59 to 34.21 over the past decade. While the company's 10-year median is 26.41 vs. the industry median of 34.94, Mission Valley Bancorp 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 34.94, based on 1,529 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. Mission Valley Bancorp's current Pretax Margin % of 10.49% is 70% 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 Mission Valley Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mission Valley Bancorp's current Pretax Margin % is 10.49%, which is 60% below median its own 10-year median of 26.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mission Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mission Valley Bancorp (MVLY) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.73, compared to a current price of $19.95 — trading 12.5% above its estimated fair value. The current Pretax Margin % is 10.49%, which is 60% below median its 10-year median of 26.41 and 70% below the Banks industry median of 34.94. Mission Valley Bancorp's overall GF Score™ is 71/100 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 Mission Valley Bancorp (MVLY), the current Pretax Margin % is 10.49% 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 Mission Valley Bancorp (MVLY) Overvalued in 2026?
Based on GuruFocus' analysis, Mission Valley Bancorp stock appears to be overvalued.
The current stock price of $19.95 is trading 12.5% above its estimated GF Value™ of $17.73.
GuruFocus considers Mission Valley Bancorp to be Modestly Overvalued.
Key valuation signals for MVLY:
Pretax Margin %: 10.49% (60% below median its 10-year median of 26.41)
GF Value™: $17.73 vs. price of $19.95 (12.5% above fair value)
Industry Position: 70% below the Banks median (#1152 of 1529)
No single metric tells the full story. See the MVLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mission Valley Bancorp along with its subsidiaries provides a full range of banking services to individual and corporate customers through the bank. The bank four branches located in Sun Valley, Valencia, Arcadia, and Burbank, California. It also makes available Online Banking, Business Banking, Loans, and Personal banking for its customers. Also, it has been authorized by the Federal Reserve Bank of San Francisco to engage in lending activities, separate from the bank.
71GF Score
Get the complete analysis for MVLY
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