Hvidbjerg Bank ASCHIX:HVIDC 70 Pretax Margin % is 27.13% as of Mar. 2026, which is 4% below its 10-year median of 28.29. GuruFocus rates CHIX:HVIDC with a GF Score™ of 70/100 and a GF Value™ of kr54.62. The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Hvidbjerg Bank AS ranks worse than 73.04% on this metric.
The historical rank and industry rank for Hvidbjerg Bank AS's Pretax Margin % or its related term are showing as below:
CHIX:HVIDc'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.64 Med: 28.29 Max: 35.64
Current: 24.92
CHIX:HVIDc's Pretax Margin % is ranked worse than 73.04% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs CHIX:HVIDc: 24.92
Hvidbjerg Bank AS (CHIX:HVIDc) 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.
Hvidbjerg Bank AS Pretax Margin % Related Terms
Hvidbjerg Bank AS Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Hvidbjerg Bank AS'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.
CHIX:HVIDC vs PNC, USB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Hvidbjerg Bank AS'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.
Hvidbjerg Bank AS Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hvidbjerg Bank AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hvidbjerg Bank AS'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.
Hvidbjerg Bank AS (CHIX:HVIDC) has a Pretax Margin % of 27.13% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hvidbjerg Bank AS and its competitors. This is near median its historical median of 28.29. Over the past decade, Hvidbjerg Bank AS's Pretax Margin % has ranged from 21.64 to 35.64. According to the industry distribution chart, Hvidbjerg Bank AS ranks #1116 out of 1528 companies in the Banks industry, placing it in the top 73%.
Is Hvidbjerg Bank AS's Pretax Margin % too high?
Hvidbjerg Bank AS's current Pretax Margin % of 27.13% is near median its 10-year median of 28.29. Over the past 10 years, this metric has ranged from a low of 21.64 to a high of 35.64. The Banks industry median Pretax Margin % is 34.72. Hvidbjerg Bank AS's value of 27.13% is 21.8% below this industry median. Based on the distribution chart, Hvidbjerg Bank AS ranks #1116 out of 1528 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 Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Hvidbjerg Bank AS ranks #1116 out of 1528 companies for Pretax Margin %. This places Hvidbjerg Bank AS in the lower half of its industry. The industry median Pretax Margin % is 34.72. Hvidbjerg Bank AS's value of 27.13% is 21.8% below this benchmark. Historically, Hvidbjerg Bank AS's own Pretax Margin % has ranged from 21.64 to 35.64 over the past decade. While the company's 10-year median is 28.29 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 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. Hvidbjerg Bank AS's current Pretax Margin % of 27.13% is 21.8% 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 Hvidbjerg Bank AS and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hvidbjerg Bank AS's current Pretax Margin % is 27.13%, which is near median its own 10-year median of 28.29. 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 Pretax Margin % of 27.13%. The stock's GF Value™ is kr54.62, compared to a current price of kr72.50 — trading 32.7% above its estimated fair value. The current Pretax Margin % is 27.13%, which is near median its 10-year median of 28.29 and 21.8% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Hvidbjerg Bank AS (CHIX:HVIDC), the current Pretax Margin % is 27.13% 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 32.7% above its estimated GF Value™ of kr54.62.
Key valuation signals for CHIX:HVIDC:
Pretax Margin %: 27.13% (near median its 10-year median of 28.29)
GF Value™: kr54.62 vs. price of kr72.50 (32.7% above fair value)
Industry Position: 21.8% below the Banks median (#1116 of 1528)
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
Get the complete analysis for CHIX:HVIDC
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:HVIDC has been successfully added to your 
