Hvidbjerg Bank ASCHIX:HVIDC 70 Net Margin % is 21.05% as of Mar. 2026, which is 8% below its 10-year median of 22.76. GuruFocus rates CHIX:HVIDC with a GF Score™ of 70/100 and a GF Value™ of kr54.76. The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Hvidbjerg Bank AS ranks worse than 70.4% on this metric.
The historical rank and industry rank for Hvidbjerg Bank AS's Net Margin % or its related term are showing as below:
CHIX:HVIDc'
s Net Margin % Range Over the Past 10 Years
Min: 16.81 Med: 22.76 Max: 30.05
Current: 20.14
CHIX:HVIDc's Net Margin % is ranked worse than 70.4% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CHIX:HVIDc: 20.14
Hvidbjerg Bank AS (CHIX:HVIDc) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hvidbjerg Bank AS Net Margin % Related Terms
Hvidbjerg Bank AS Net Margin % Historical Data
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The historical data trend for Hvidbjerg Bank AS's Net 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.
For the Banks - Regional subindustry, Hvidbjerg Bank AS's Net Margin %, along with its competitors' market caps and Net 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.
Hvidbjerg Bank AS Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hvidbjerg Bank AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hvidbjerg Bank AS's Net 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.
Hvidbjerg Bank AS (CHIX:HVIDC) has a Net Margin % of 21.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hvidbjerg Bank AS and its competitors. This is near median its historical median of 22.76. Over the past decade, Hvidbjerg Bank AS's Net Margin % has ranged from 16.81 to 30.05. According to the industry distribution chart, Hvidbjerg Bank AS ranks #1075 out of 1527 companies in the Banks industry, placing it in the top 70.4%.
Is Hvidbjerg Bank AS's Net Margin % too high?
Hvidbjerg Bank AS's current Net Margin % of 21.05% is near median its 10-year median of 22.76. Over the past 10 years, this metric has ranged from a low of 16.81 to a high of 30.05. The Banks industry median Net Margin % is 26.95. Hvidbjerg Bank AS's value of 21.05% is 21.9% below this industry median. Based on the distribution chart, Hvidbjerg Bank AS ranks #1075 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Hvidbjerg Bank AS has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Hvidbjerg Bank AS's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Hvidbjerg Bank AS ranks #1075 out of 1527 companies for Net Margin %. This places Hvidbjerg Bank AS in the lower half of its industry. The industry median Net Margin % is 26.95. Hvidbjerg Bank AS's value of 21.05% is 21.9% below this benchmark. Historically, Hvidbjerg Bank AS's own Net Margin % has ranged from 16.81 to 30.05 over the past decade. While the company's 10-year median is 22.76 vs. the industry median of 26.95, Hvidbjerg Bank AS 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hvidbjerg Bank AS's current Net Margin % of 21.05% is 21.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hvidbjerg Bank AS and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hvidbjerg Bank AS's current Net Margin % is 21.05%, which is near median its own 10-year median of 22.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hvidbjerg Bank AS stock overvalued right now?
Hvidbjerg Bank AS (CHIX:HVIDC) has a current Net Margin % of 21.05%. The stock's GF Value™ is kr54.76, compared to a current price of kr72.50 — trading 32.4% above its estimated fair value. The current Net Margin % is 21.05%, which is near median its 10-year median of 22.76 and 21.9% below the Banks industry median of 26.95. Hvidbjerg Bank AS's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hvidbjerg Bank AS (CHIX:HVIDC), the current Net Margin % is 21.05% 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 Hvidbjerg Bank AS (CHIX:HVIDC) Overvalued in 2026?
Based on GuruFocus' analysis, Hvidbjerg Bank AS stock appears to be overvalued.
The current stock price of kr72.50 is trading 32.4% above its estimated GF Value™ of kr54.76.
Key valuation signals for CHIX:HVIDC:
Net Margin %: 21.05% (near median its 10-year median of 22.76)
GF Value™: kr54.76 vs. price of kr72.50 (32.4% above fair value)
Industry Position: 21.9% below the Banks median (#1075 of 1527)
No single metric tells the full story. See the CHIX:HVIDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hvidbjerg Bank AS is a Denmark-based bank that offers various banking products and services.It offers financial services to private individuals and local businesses. The bank offers pension products, mortgages and personal loans, investment services, and Internet banking. It operates in the central and western Jutland Limfjord area and has four departments in Hvidbjerg / Hurup, Struer, Viborg, and Holstebro.
70GF Score
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