PCB BancorpPCB +2.27%71 Pretax Margin % is 49.51% as of Mar. 2026, which is 11% above its 10-year median of 44.49. GuruFocus rates PCB with a GF Score™ of 71/100 and a GF Value™ of $23.04 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, PCB Bancorp ranks better than 78.91% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. PCB Bancorp's Pre-Tax Income for the
three
months ended in Mar. 2026 was $14.9 Mil. PCB Bancorp's Revenue for the
three
months ended in Mar. 2026 was $30.1 Mil. Therefore, PCB Bancorp's pretax margin for the quarter that ended in Mar. 2026 was 49.51%.
The historical rank and industry rank for PCB Bancorp's Pretax Margin % or its related term are showing as below:
PCB'
s Pretax Margin % Range Over the Past 10 Years
Min: 29.53 Med: 44.49 Max: 59.6
Current: 47.49
PCB's Pretax Margin % is ranked better than 78.91% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs PCB: 47.49
PCB Bancorp (NAS:PCB) 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.
PCB Bancorp Pretax Margin % Related Terms
PCB Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for PCB 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.
PCB vs AVBC, MVBF, FRST: Pretax Margin % Comparison
For the Banks - Regional subindustry, PCB 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.
PCB Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PCB Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PCB 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.
PCB Bancorp (PCB) has a Pretax Margin % of 49.51% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PCB Bancorp and its competitors. This is 11% above median its historical median of 44.49. Over the past decade, PCB Bancorp's Pretax Margin % has ranged from 29.53 to 59.60. According to the industry distribution chart, PCB Bancorp ranks #322 out of 1527 companies in the Banks industry, placing it in the top 21.1%.
Is PCB Bancorp's Pretax Margin % too high?
PCB Bancorp's current Pretax Margin % of 49.51% is 11% above median its 10-year median of 44.49. Over the past 10 years, this metric has ranged from a low of 29.53 to a high of 59.60. The Banks industry median Pretax Margin % is 34.88. PCB Bancorp's value of 49.51% is 41.9% above this industry median. Based on the distribution chart, PCB Bancorp ranks #322 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PCB 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 PCB Bancorp's Pretax Margin % compare to AVBC and MVBF?
According to the Banks industry distribution chart, PCB Bancorp ranks #322 out of 1527 companies for Pretax Margin %. This places PCB Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. PCB Bancorp's value of 49.51% is 41.9% above this benchmark. Historically, PCB Bancorp's own Pretax Margin % has ranged from 29.53 to 59.60 over the past decade. While the company's 10-year median is 44.49 vs. the industry median of 34.88, PCB Bancorp 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. PCB Bancorp's current Pretax Margin % of 49.51% is 41.9% 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 PCB Bancorp 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. PCB Bancorp's current Pretax Margin % is 49.51%, which is 11% above median its own 10-year median of 44.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, PCB Bancorp (PCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.04, compared to a current price of $27.74 — trading 20.4% above its estimated fair value. The current Pretax Margin % is 49.51%, which is 11% above median its 10-year median of 44.49 and 41.9% above the Banks industry median of 34.88. PCB Bancorp's overall GF Score™ is 71/100 with 7 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 PCB Bancorp (PCB), the current Pretax Margin % is 49.51% 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 PCB Bancorp (PCB) Overvalued in 2026?
Based on GuruFocus' analysis, PCB Bancorp stock appears to be overvalued.
The current stock price of $27.74 is trading 20.4% above its estimated GF Value™ of $23.04.
GuruFocus considers PCB Bancorp to be Modestly Overvalued.
Key valuation signals for PCB:
Pretax Margin %: 49.51% (11% above median its 10-year median of 44.49)
GF Value™: $23.04 vs. price of $27.74 (20.4% above fair value)
Industry Position: 41.9% above the Banks median (#322 of 1527)
No single metric tells the full story. See the PCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PCB Bancorp is a bank holding company, which engages in the provision of consumer and commercial banking services. It provides Personal, Business, and Loan services, which provide banking, lending, and digital, tools, home loans, and others. Also, it offers a broad range of loans, deposits, and other products and services predominantly to small and middle-market businesses and individuals. The company provided it's services in Los Angeles and Orange Counties, California; Bellevue, Washington; and Atlanta, Georgia.
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