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Pacific Alliance Bank CAPFBN 53 Pretax Margin % is 26.31% as of Dec. 2025, which is 31% below its 10-year median of 38.33. GuruFocus rates PFBN with a GF Score™ of 53/100 and a GF Value™ of $8.53 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Pacific Alliance Bank CA ranks worse than 71.3% on this metric.
Pacific Alliance Bank CA (OTCPK:PFBN) 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.
Pacific Alliance Bank CA Pretax Margin % Related Terms
Pacific Alliance Bank CA 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.
PFBN vs VWFB, ECLP, APLO: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA (PFBN) has a Pretax Margin % of 26.31% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pacific Alliance Bank CA and its competitors. This is 31% below median its historical median of 38.33. Over the past decade, Pacific Alliance Bank CA's Pretax Margin % has ranged from 20.57 to 53.54. According to the industry distribution chart, Pacific Alliance Bank CA ranks #1088 out of 1526 companies in the Banks industry, placing it in the top 71.3%.
Is Pacific Alliance Bank CA's Pretax Margin % too high?
Pacific Alliance Bank CA's current Pretax Margin % of 26.31% is 31% below median its 10-year median of 38.33. Over the past 10 years, this metric has ranged from a low of 20.57 to a high of 53.54. The Banks industry median Pretax Margin % is 35.37. Pacific Alliance Bank CA's value of 26.31% is 25.6% below this industry median. Based on the distribution chart, Pacific Alliance Bank CA ranks #1088 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Pacific Alliance Bank CA has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Pretax Margin % compare to VWFB and ECLP?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #1088 out of 1526 companies for Pretax Margin %. This places Pacific Alliance Bank CA in the lower half of its industry. The industry median Pretax Margin % is 35.37. Pacific Alliance Bank CA's value of 26.31% is 25.6% below this benchmark. Historically, Pacific Alliance Bank CA's own Pretax Margin % has ranged from 20.57 to 53.54 over the past decade. While the company's 10-year median is 38.33 vs. the industry median of 35.37, Pacific Alliance Bank CA 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 35.37, based on 1,526 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. Pacific Alliance Bank CA's current Pretax Margin % of 26.31% is 25.6% 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 Pacific Alliance Bank CA and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Alliance Bank CA's current Pretax Margin % is 26.31%, which is 31% below median its own 10-year median of 38.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Fairly Valued. The stock's GF Value™ is $8.53, compared to a current price of $9.27 — trading 8.7% above its estimated fair value. The current Pretax Margin % is 26.31%, which is 31% below median its 10-year median of 38.33 and 25.6% below the Banks industry median of 35.37. Pacific Alliance Bank CA's overall GF Score™ is 53/100 with 1 warning sign 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 Pacific Alliance Bank CA (PFBN), the current Pretax Margin % is 26.31% as of Dec. 2025. 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 Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $9.27 is trading 8.7% above its estimated GF Value™ of $8.53.
GuruFocus considers Pacific Alliance Bank CA to be Fairly Valued.
Key valuation signals for PFBN:
Pretax Margin %: 26.31% (31% below median its 10-year median of 38.33)
GF Value™: $8.53 vs. price of $9.27 (8.7% above fair value)
Industry Position: 25.6% below the Banks median (#1088 of 1526)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
53GF Score
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