Oita BankOITAF 49 Pretax Margin % is 13.63% as of Mar. 2026, which is 3% below its 10-year median of 14.06. GuruFocus rates OITAF with a GF Score™ of 49/100 and a GF Value™ of $1.63. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Oita Bank ranks worse than 84.09% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Oita Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was $22.0 Mil. Oita Bank's Revenue for the
three
months ended in Mar. 2026 was $161.7 Mil. Therefore, Oita Bank's pretax margin for the quarter that ended in Mar. 2026 was 13.63%.
The historical rank and industry rank for Oita Bank's Pretax Margin % or its related term are showing as below:
OITAF'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.12 Med: 14.06 Max: 17.81
Current: 17.45
OITAF's Pretax Margin % is ranked worse than 84.09% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs OITAF: 17.45
Oita Bank (OTCPK:OITAF) 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.
Oita Bank Pretax Margin % Related Terms
Oita Bank Pretax Margin % Historical Data
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The historical data trend for Oita 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, Oita 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.
Oita Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oita Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Oita 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.
Oita Bank (OITAF) has a Pretax Margin % of 13.63% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oita Bank and its competitors. This is near median its historical median of 14.06. Over the past decade, Oita Bank's Pretax Margin % has ranged from 11.12 to 17.81. According to the industry distribution chart, Oita Bank ranks #1284 out of 1527 companies in the Banks industry, placing it in the top 84.1%.
Is Oita Bank's Pretax Margin % too high?
Oita Bank's current Pretax Margin % of 13.63% is near median its 10-year median of 14.06. Over the past 10 years, this metric has ranged from a low of 11.12 to a high of 17.81. The Banks industry median Pretax Margin % is 34.88. Oita Bank's value of 13.63% is 60.9% below this industry median. Based on the distribution chart, Oita Bank ranks #1284 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oita Bank has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Oita Bank ranks #1284 out of 1527 companies for Pretax Margin %. This places Oita Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. Oita Bank's value of 13.63% is 60.9% below this benchmark. Historically, Oita Bank's own Pretax Margin % has ranged from 11.12 to 17.81 over the past decade. While the company's 10-year median is 14.06 vs. the industry median of 34.88, Oita 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 34.88, based on 1,527 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. Oita Bank's current Pretax Margin % of 13.63% is 60.9% 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 Oita Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oita Bank's current Pretax Margin % is 13.63%, which is near median its own 10-year median of 14.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oita Bank stock overvalued right now?
Oita Bank (OITAF) has a current Pretax Margin % of 13.63%. The stock's GF Value™ is $1.63, compared to a current price of $4.31 — trading 164.4% above its estimated fair value. The current Pretax Margin % is 13.63%, which is near median its 10-year median of 14.06 and 60.9% below the Banks industry median of 34.88. Oita Bank's overall GF Score™ is 49/100 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 Oita Bank (OITAF), the current Pretax Margin % is 13.63% 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 Oita Bank (OITAF) Overvalued in 2026?
Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued.
The current stock price of $4.31 is trading 164.4% above its estimated GF Value™ of $1.63.
Key valuation signals for OITAF:
Pretax Margin %: 13.63% (near median its 10-year median of 14.06)
GF Value™: $1.63 vs. price of $4.31 (164.4% above fair value)
Industry Position: 60.9% below the Banks median (#1284 of 1527)
No single metric tells the full story. See the OITAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oita Bank Ltd is a Japanese regional bank operating primarily in the Oita prefecture, located in the southwest of the nation's archipelago. The bank emphasizes a community-based strategy to create value alongside its operating region. It provides financial services to businesses and individuals, including banking, leasing, and credit cards. A majority of the bank's earning assets are in loans and bills discounted, followed by investment securities. Most of the bank's income is overwhelmingly net interest income, followed by fees and commissions.
49GF Score
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