Private Bancorp of AmericaPBAM +0.08%69 Pretax Margin % is 48.76% as of Mar. 2026, which is 29% above its 10-year median of 37.81. GuruFocus rates PBAM with a GF Score™ of 69/100 and a GF Value™ of $62.83 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Private Bancorp of America ranks better than 75.9% on this metric.
The historical rank and industry rank for Private Bancorp of America's Pretax Margin % or its related term are showing as below:
PBAM'
s Pretax Margin % Range Over the Past 10 Years
Min: -1.31 Med: 37.81 Max: 60.29
Current: 45.79
PBAM's Pretax Margin % is ranked better than 75.9% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs PBAM: 45.79
Private Bancorp of America (OTCPK:PBAM) 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.
Private Bancorp of America Pretax Margin % Related Terms
Private Bancorp of America Pretax Margin % Historical Data
* 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.
PBAM vs BWFG, BMRC, CBAN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Private Bancorp of America'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.
Private Bancorp of America Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Private Bancorp of America's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Private Bancorp of America'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.
Private Bancorp of America (PBAM) has a Pretax Margin % of 48.76% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Private Bancorp of America and its competitors. This is 29% above median its historical median of 37.81. According to the industry distribution chart, Private Bancorp of America ranks #368 out of 1527 companies in the Banks industry, placing it in the top 24.1%.
Is Private Bancorp of America's Pretax Margin % too high?
Private Bancorp of America's current Pretax Margin % of 48.76% is 29% above median its 10-year median of 37.81. The Banks industry median Pretax Margin % is 34.88. Private Bancorp of America's value of 48.76% is 39.8% above this industry median. Based on the distribution chart, Private Bancorp of America ranks #368 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Private Bancorp of America has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Private Bancorp of America's Pretax Margin % compare to BWFG and BMRC?
According to the Banks industry distribution chart, Private Bancorp of America ranks #368 out of 1527 companies for Pretax Margin %. This places Private Bancorp of America in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Private Bancorp of America's value of 48.76% is 39.8% above this benchmark. While the company's 10-year median is 37.81 vs. the industry median of 34.88, Private Bancorp of America 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 34.88, 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. Private Bancorp of America's current Pretax Margin % of 48.76% is 39.8% 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 Private Bancorp of America 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. Private Bancorp of America's current Pretax Margin % is 48.76%, which is 29% above median its own 10-year median of 37.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Private Bancorp of America stock overvalued right now?
Based on GuruFocus' analysis, Private Bancorp of America (PBAM) is currently considered Modestly Overvalued. The stock's GF Value™ is $62.83, compared to a current price of $75.95 — trading 20.9% above its estimated fair value. The current Pretax Margin % is 48.76%, which is 29% above median its 10-year median of 37.81 and 39.8% above the Banks industry median of 34.88. Private Bancorp of America's overall GF Score™ is 69/100 with 4 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 Private Bancorp of America (PBAM), the current Pretax Margin % is 48.76% 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 Private Bancorp of America (PBAM) Overvalued in 2026?
Based on GuruFocus' analysis, Private Bancorp of America stock appears to be overvalued.
The current stock price of $75.95 is trading 20.9% above its estimated GF Value™ of $62.83.
GuruFocus considers Private Bancorp of America to be Modestly Overvalued.
Key valuation signals for PBAM:
Pretax Margin %: 48.76% (29% above median its 10-year median of 37.81)
GF Value™: $62.83 vs. price of $75.95 (20.9% above fair value)
Industry Position: 39.8% above the Banks median (#368 of 1527)
No single metric tells the full story. See the PBAM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Private Bancorp of America Inc is a commercial bank chartered by the State of California. It provides comprehensive banking services, including deposit accounts, treasury management services, and lending solutions tailored to high-net-worth individuals, professionals, family offices, closely-held businesses, real estate entrepreneurs, and small to mid-sized businesses. Lending activities include commercial real estate loans, commercial and industrial loans, and government-guaranteed lending programs.
69GF Score
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