Hachijuni Nagano BankHACBY 56 Pretax Margin % is 15.68% as of Mar. 2026, which is 34% below its 10-year median of 23.81. GuruFocus rates HACBY with a GF Score™ of 56/100 and a GF Value™ of $18.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Hachijuni Nagano Bank ranks worse than 55.42% on this metric.
The historical rank and industry rank for Hachijuni Nagano Bank's Pretax Margin % or its related term are showing as below:
HACBY'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.91 Med: 23.81 Max: 32.89
Current: 32.89
HACBY's Pretax Margin % is ranked worse than 55.42% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs HACBY: 32.89
Hachijuni Nagano Bank (OTCPK:HACBY) 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.
Hachijuni Nagano Bank Pretax Margin % Related Terms
Hachijuni Nagano Bank Pretax Margin % Historical Data
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The historical data trend for Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank (HACBY) has a Pretax Margin % of 15.68% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hachijuni Nagano Bank and its competitors. This is 34% below median its historical median of 23.81. Over the past decade, Hachijuni Nagano Bank's Pretax Margin % has ranged from 19.91 to 32.89. According to the industry distribution chart, Hachijuni Nagano Bank ranks #848 out of 1530 companies in the Banks industry, placing it in the top 55.4%.
Is Hachijuni Nagano Bank's Pretax Margin % too high?
Hachijuni Nagano Bank's current Pretax Margin % of 15.68% is 34% below median its 10-year median of 23.81. Over the past 10 years, this metric has ranged from a low of 19.91 to a high of 32.89. The Banks industry median Pretax Margin % is 34.72. Hachijuni Nagano Bank's value of 15.68% is 54.8% below this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #848 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Hachijuni Nagano Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #848 out of 1530 companies for Pretax Margin %. This places Hachijuni Nagano Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Hachijuni Nagano Bank's value of 15.68% is 54.8% below this benchmark. Historically, Hachijuni Nagano Bank's own Pretax Margin % has ranged from 19.91 to 32.89 over the past decade. While the company's 10-year median is 23.81 vs. the industry median of 34.72, Hachijuni Nagano Bank 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 1,530 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. Hachijuni Nagano Bank's current Pretax Margin % of 15.68% is 54.8% 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 Hachijuni Nagano Bank 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. Hachijuni Nagano Bank's current Pretax Margin % is 15.68%, which is 34% below median its own 10-year median of 23.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.50, compared to a current price of $27.21 — trading 47.1% above its estimated fair value. The current Pretax Margin % is 15.68%, which is 34% below median its 10-year median of 23.81 and 54.8% below the Banks industry median of 34.72. Hachijuni Nagano Bank's overall GF Score™ is 56/100 with 6 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 Hachijuni Nagano Bank (HACBY), the current Pretax Margin % is 15.68% 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of $27.21 is trading 47.1% above its estimated GF Value™ of $18.50.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
Pretax Margin %: 15.68% (34% below median its 10-year median of 23.81)
GF Value™: $18.50 vs. price of $27.21 (47.1% above fair value)
Industry Position: 54.8% below the Banks median (#848 of 1530)
No single metric tells the full story. See the HACBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
56GF Score
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