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OptimumBank HoldingsOPHC +2.01%41 Pretax Margin % is 51.43% as of Jun. 2026, which is 91% above its 10-year median of 26.88. GuruFocus rates OPHC with a GF Score™ of 41/100 and a GF Value™ of $3.72 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, OptimumBank Holdings ranks better than 75.43% on this metric.
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.
OptimumBank Holdings Pretax Margin % Related Terms
OptimumBank Holdings Pretax Margin % Historical Data
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The historical data trend for OptimumBank Holdings'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.
OPHC vs BORT, UNIB, BYFC: Pretax Margin % Comparison
For the Banks - Regional subindustry, OptimumBank Holdings'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.
OptimumBank Holdings Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, OptimumBank Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where OptimumBank Holdings'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.
OptimumBank Holdings (OPHC) has a Pretax Margin % of 51.43% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on OptimumBank Holdings and its competitors. This is 91% above median its historical median of 26.88. According to the industry distribution chart, OptimumBank Holdings ranks #373 out of 1518 companies in the Banks industry, placing it in the top 24.6%.
Is OptimumBank Holdings' Pretax Margin % too high?
OptimumBank Holdings' current Pretax Margin % of 51.43% is 91% above median its 10-year median of 26.88. The Banks industry median Pretax Margin % is 35.68. OptimumBank Holdings' value of 51.43% is 44.1% above this industry median. Based on the distribution chart, OptimumBank Holdings ranks #373 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, OptimumBank Holdings has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OptimumBank Holdings' Pretax Margin % compare to BORT and UNIB?
According to the Banks industry distribution chart, OptimumBank Holdings ranks #373 out of 1518 companies for Pretax Margin %. This places OptimumBank Holdings in the top 25% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.68. OptimumBank Holdings' value of 51.43% is 44.1% above this benchmark. While the company's 10-year median is 26.88 vs. the industry median of 35.68, OptimumBank Holdings 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 35.68, based on 1,518 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. OptimumBank Holdings's current Pretax Margin % of 51.43% is 44.1% 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 OptimumBank Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 35.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OptimumBank Holdings's current Pretax Margin % is 51.43%, which is 91% above median its own 10-year median of 26.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OptimumBank Holdings stock overvalued right now?
Based on GuruFocus' analysis, OptimumBank Holdings (OPHC) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.72, compared to a current price of $9.14 — trading 145.7% above its estimated fair value. The current Pretax Margin % is 51.43%, which is 91% above median its 10-year median of 26.88 and 44.1% above the Banks industry median of 35.68. OptimumBank Holdings' overall GF Score™ is 41/100 with 6 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 OptimumBank Holdings (OPHC), the current Pretax Margin % is 51.43% as of Jun. 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 OptimumBank Holdings (OPHC) Overvalued in 2026?
Based on GuruFocus' analysis, OptimumBank Holdings stock appears to be overvalued.
The current stock price of $9.14 is trading 145.7% above its estimated GF Value™ of $3.72.
GuruFocus considers OptimumBank Holdings to be Significantly Overvalued.
Key valuation signals for OPHC:
Pretax Margin %: 51.43% (91% above median its 10-year median of 26.88)
GF Value™: $3.72 vs. price of $9.14 (145.7% above fair value)
Industry Position: 44.1% above the Banks median (#373 of 1518)
No single metric tells the full story. See the OPHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.
41GF Score
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