Hamlin Bank and Trust CoHMLN 71 Pretax Margin % is 40.95% as of Dec. 2025, which is 10% below its 10-year median of 45.66. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Hamlin Bank and Trust Co ranks better than 65.62% on this metric.
The historical rank and industry rank for Hamlin Bank and Trust Co's Pretax Margin % or its related term are showing as below:
HMLN'
s Pretax Margin % Range Over the Past 10 Years
Min: -10.05 Med: 45.66 Max: 61.26
Current: 40.95
HMLN's Pretax Margin % is ranked better than 65.62% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs HMLN: 40.95
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co Pretax Margin % Related Terms
Hamlin Bank and Trust Co Pretax Margin % Historical Data
* 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.
HMLN vs SOBS, BKOR, EDVR: Pretax Margin % Comparison
For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co (HMLN) has a Pretax Margin % of 40.95% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hamlin Bank and Trust Co and its competitors. This is 10% below median its historical median of 45.66. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #526 out of 1530 companies in the Banks industry, placing it in the top 34.4%.
Is Hamlin Bank and Trust Co's Pretax Margin % too high?
Hamlin Bank and Trust Co's current Pretax Margin % of 40.95% is 10% below median its 10-year median of 45.66. The Banks industry median Pretax Margin % is 34.72. Hamlin Bank and Trust Co's value of 40.95% is 18% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #526 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Pretax Margin % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #526 out of 1530 companies for Pretax Margin %. This puts Hamlin Bank and Trust Co in the upper half of its industry. The industry median Pretax Margin % is 34.72. Hamlin Bank and Trust Co's value of 40.95% is 18% above this benchmark. While the company's 10-year median is 45.66 vs. the industry median of 34.72, Hamlin Bank and Trust Co 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 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. Hamlin Bank and Trust Co's current Pretax Margin % of 40.95% is 18% 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 Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's current Pretax Margin % is 40.95%, which is 10% below median its own 10-year median of 45.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current Pretax Margin % is 40.95%, which is 10% below median its 10-year median of 45.66 and 18% above the Banks industry median of 34.72. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 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 Hamlin Bank and Trust Co (HMLN), the current Pretax Margin % is 40.95% 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.
Is Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
Pretax Margin %: 40.95% (10% below median its 10-year median of 45.66)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 18% above the Banks median (#526 of 1530)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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