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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 ELMA, CDAB, HRBK: 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 % as of Sep. 2024. 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. 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 #1086 out of 1520 companies in the Banks industry, placing it in the top 71.4%.
Is Pacific Alliance Bank CA's Pretax Margin % too high?
Pacific Alliance Bank CA's current Pretax Margin % is %. Over the past 10 years, this metric has ranged from a low of 20.57 to a high of 53.54. Based on the distribution chart, Pacific Alliance Bank CA ranks #1086 out of 1520 companies in the Banks industry, which is below the industry midpoint. Overall, Pacific Alliance Bank CA has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Pretax Margin % compare to ELMA and CDAB?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #1086 out of 1520 companies for Pretax Margin %. This places Pacific Alliance Bank CA in the lower half of its industry. The industry median Pretax Margin % is 35.65. Historically, Pacific Alliance Bank CA's own Pretax Margin % has ranged from 20.57 to 53.54 over the past decade. 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 35.65, based on 1,520 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. 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 35.65 — 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 %. 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 Significantly Overvalued. The stock's GF Value™ is $8.49, compared to a current price of $11.98 — trading 41.1% above its estimated fair value. The current Pretax Margin % is %. Pacific Alliance Bank CA'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 Pacific Alliance Bank CA (PFBN), the current Pretax Margin % is % as of Sep. 2024. 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 $11.98 is trading 41.1% above its estimated GF Value™ of $8.49.
GuruFocus considers Pacific Alliance Bank CA to be Significantly Overvalued.
Key valuation signals for PFBN:
Pretax Margin %: %
GF Value™: $8.49 vs. price of $11.98 (41.1% above fair value)
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.
49GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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