Atos Bank a.d. (XBLB:ZPKB-R-A) Pretax Margin %: 51.90% (As of Dec. 2025)


What is Atos Bank a.d. Pretax Margin %?

Atos Bank a.d. XBLB:ZPKB-R-A Pretax Margin % is 51.90% as of Dec. 2025.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Atos Bank a.d.'s Pre-Tax Income for the six months ended in Dec. 2025 was BAM19.55 Mil. Atos Bank a.d.'s Revenue for the six months ended in Dec. 2025 was BAM37.67 Mil. Therefore, Atos Bank a.d.'s pretax margin for the quarter that ended in Dec. 2025 was 51.90%.

The historical rank and industry rank for Atos Bank a.d.'s Pretax Margin % or its related term are showing as below:


XBLB:ZPKB-R-A's Pretax Margin % is not ranked *
in the Banks industry.
Industry Median: 34.88
* Ranked among companies with meaningful Pretax Margin % only.

Atos Bank a.d.  (XBLB:ZPKB-R-A) 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.

Atos Bank a.d. Pretax Margin % Related Terms

Atos Bank a.d. Pretax Margin % Historical Data

* Premium members only.

The historical data trend for Atos Bank a.d.'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.

Atos Bank a.d. Pretax Margin % Chart

Atos Bank a.d. Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Pretax Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 34.27 20.71 41.63 49.38 50.63

Atos Bank a.d. Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Pretax Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 44.10 57.67 42.21 49.35 51.90

XBLB:ZPKB-R-A vs LCHTF: Pretax Margin % Comparison

For the Banks - Regional subindustry, Atos Bank a.d.'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.

Atos Bank a.d. Pretax Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Atos Bank a.d.'s Pretax Margin % distribution charts can be found below:

* The bar in red indicates where Atos Bank a.d.'s Pretax Margin % falls into.


Atos Bank a.d. Pretax Margin % Calculation

Pretax margin - also known as pretax profit margin is the ratio of Pretax Income divided by net sales or Revenue, usually presented in percent.

Atos Bank a.d.'s Pretax Margin for the fiscal year that ended in Dec. 2025 is calculated as

Pretax Margin=Pre-Tax Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=37.935/74.926
=50.63 %

Atos Bank a.d.'s Pretax Margin for the quarter that ended in Dec. 2025 is calculated as

Pretax Margin=Pre-Tax Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=19.551/37.673
=51.90 %

* 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.

Frequently Asked Questions Learn more about Pretax Margin % →
What does a Pretax Margin % of 51.90% mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a Pretax Margin % of 51.90% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s Pretax Margin % too high?
Atos Bank a.d.'s current Pretax Margin % is 51.90%. The Banks industry median Pretax Margin % is 34.88. Atos Bank a.d.'s value of 51.90% is 48.8% above this industry median.
How does Atos Bank a.d.'s Pretax Margin % compare to LCHTF?
Atos Bank a.d.'s Pretax Margin % of 51.90% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 34.88. Atos Bank a.d.'s value of 51.90% is 48.8% above this benchmark. 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. Atos Bank a.d.'s current Pretax Margin % of 51.90% is 48.8% 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 Atos Bank a.d. 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. Atos Bank a.d.'s current Pretax Margin % is 51.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atos Bank a.d. stock overvalued right now?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a current Pretax Margin % of 51.90%. The current Pretax Margin % is 51.90% and 48.8% above the Banks industry median of 34.88. 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current Pretax Margin % is 51.90% 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.

Atos Bank a.d. Business Description

Address Jevrejska 71 Street, Banja Luka, BIH, 78000
Atos Bank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. The bank also offers online banking, mobile banking, and automated teller machine (ATM) services.