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Hills BancorpHBIA +0.47%69 Pretax Margin % is 54.67% as of Mar. 2026, which is 27% above its 10-year median of 43.00. GuruFocus rates HBIA with a GF Score™ of 69/100 and a GF Value™ of $46.34 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Hills Bancorp ranks better than 77.18% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Hills Bancorp's Pre-Tax Income for the
three
months ended in Mar. 2026 was $27.5 Mil. Hills Bancorp's Revenue for the
three
months ended in Mar. 2026 was $50.3 Mil. Therefore, Hills Bancorp's pretax margin for the quarter that ended in Mar. 2026 was 54.67%.
The historical rank and industry rank for Hills Bancorp's Pretax Margin % or its related term are showing as below:
HBIA'
s Pretax Margin % Range Over the Past 10 Years
Min: 34.02 Med: 43 Max: 47.33
Current: 46.8
HBIA's Pretax Margin % is ranked better than 77.18% of 1525
companies
in the Banks industry
Industry Median: 35.37
vs HBIA: 46.80
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.
Hills Bancorp Pretax Margin % Related Terms
Hills Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Hills Bancorp'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.
HBIA vs IBCP, SHBI, FISI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Hills Bancorp'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.
Hills Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hills Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hills Bancorp'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.
Hills Bancorp (HBIA) has a Pretax Margin % of 54.67% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hills Bancorp and its competitors. This is 27% above median its historical median of 43.00. Over the past decade, Hills Bancorp's Pretax Margin % has ranged from 34.02 to 47.33. According to the industry distribution chart, Hills Bancorp ranks #348 out of 1525 companies in the Banks industry, placing it in the top 22.8%.
Is Hills Bancorp's Pretax Margin % too high?
Hills Bancorp's current Pretax Margin % of 54.67% is 27% above median its 10-year median of 43.00. Over the past 10 years, this metric has ranged from a low of 34.02 to a high of 47.33. The Banks industry median Pretax Margin % is 35.37. Hills Bancorp's value of 54.67% is 54.6% above this industry median. Based on the distribution chart, Hills Bancorp ranks #348 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hills Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hills Bancorp's Pretax Margin % compare to IBCP and SHBI?
According to the Banks industry distribution chart, Hills Bancorp ranks #348 out of 1525 companies for Pretax Margin %. This places Hills Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.37. Hills Bancorp's value of 54.67% is 54.6% above this benchmark. Historically, Hills Bancorp's own Pretax Margin % has ranged from 34.02 to 47.33 over the past decade. While the company's 10-year median is 43.00 vs. the industry median of 35.37, Hills Bancorp has consistently been above 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 35.37, based on 1,525 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. Hills Bancorp's current Pretax Margin % of 54.67% is 54.6% 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 Hills Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hills Bancorp's current Pretax Margin % is 54.67%, which is 27% above median its own 10-year median of 43.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hills Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Hills Bancorp (HBIA) is currently considered Fairly Valued. The stock's GF Value™ is $46.34, compared to a current price of $44.76 — trading 3.4% below its estimated fair value. The current Pretax Margin % is 54.67%, which is 27% above median its 10-year median of 43.00 and 54.6% above the Banks industry median of 35.37. Hills Bancorp's overall GF Score™ is 69/100 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 Hills Bancorp (HBIA), the current Pretax Margin % is 54.67% 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 Hills Bancorp (HBIA) Overvalued in 2026?
Based on GuruFocus' analysis, Hills Bancorp stock appears to be undervalued.
The current stock price of $44.76 is trading 3.4% below its estimated GF Value™ of $46.34.
GuruFocus considers Hills Bancorp to be Fairly Valued.
Key valuation signals for HBIA:
Pretax Margin %: 54.67% (27% above median its 10-year median of 43.00)
GF Value™: $46.34 vs. price of $44.76 (3.4% below fair value)
Industry Position: 54.6% above the Banks median (#348 of 1525)
No single metric tells the full story. See the HBIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hills Bancorp is a holding company engaged in the business of commercial banking serving individuals, businesses, governmental units, and institutional customers in the United States. It offers services including acceptance of demand, savings, and time deposits, providing commercial, real estate, agricultural, and consumer loans, maintaining night and safe deposit facilities, and performing collection, exchange, and other banking services. Also, it administers estates, personal trusts, and pension plans and provides farm management, investment advisory, and custodial services for individuals, corporations, and nonprofit organizations. The company also provides mortgage loans and commercial and financial loans. The company generates key revenue from interest income.
69GF Score
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