Hachijuni Nagano Bank (FRA:5FI) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:5FI Hachijuni Nagano Bank Ltd FRA:5FI
55 GF Score
Price €14.80
GF Value €9.85
! 6 Warning Signs
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What is Hachijuni Nagano Bank Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Hachijuni Nagano Bank  (FRA:5FI) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Hachijuni Nagano Bank Cyclically Adjusted PS Ratio Related Terms


Hachijuni Nagano Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Hachijuni Nagano Bank's Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio Chart

Hachijuni Nagano Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.25 1.64 2.54 2.60 4.09

Hachijuni Nagano Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.73 3.49 3.57 4.16 5.06

Hachijuni Nagano Bank Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Hachijuni Nagano Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Hachijuni Nagano Bank's Cyclically Adjusted PS Ratio falls into.


FRA:5FI
55GF Score
Hachijuni Nagano Bank Ltd FRA:5FI
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Hachijuni Nagano Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Hachijuni Nagano Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Hachijuni Nagano Bank's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.717/113.6000*113.6000
=0.717

Current CPI (Jun. 2026) = 113.6000.

Hachijuni Nagano Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 0.689 98.000 0.799
201612 0.935 98.400 1.079
201703 0.697 98.100 0.807
201706 0.738 98.500 0.851
201709 0.571 98.800 0.657
201712 0.704 99.400 0.805
201803 0.518 99.200 0.593
201806 0.557 99.200 0.638
201809 0.517 99.900 0.588
201812 0.552 99.700 0.629
201903 0.565 99.700 0.644
201906 0.555 99.800 0.632
201909 0.586 100.100 0.665
201912 0.652 100.500 0.737
202003 0.448 100.300 0.507
202006 0.613 99.900 0.697
202009 0.560 99.900 0.637
202012 0.591 99.300 0.676
202103 0.457 99.900 0.520
202106 0.579 99.500 0.661
202109 0.491 100.100 0.557
202112 0.613 100.100 0.696
202203 0.358 101.100 0.402
202206 0.651 101.800 0.726
202209 0.682 103.100 0.751
202212 0.722 104.100 0.788
202303 0.309 104.400 0.336
202306 0.550 105.200 0.594
202309 0.052 106.200 0.056
202312 0.562 106.800 0.598
202403 0.485 107.200 0.514
202406 0.571 108.200 0.599
202409 0.484 108.900 0.505
202412 0.609 110.700 0.625
202503 0.558 111.100 0.571
202506 0.724 111.700 0.736
202509 0.556 112.000 0.564
202512 0.648 113.000 0.651
202603 0.700 112.700 0.706
202606 0.717 113.600 0.717

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Hachijuni Nagano Bank (FRA:5FI) Overvalued in 2026?

Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued. The current stock price of €14.80 is trading 50.3% above its estimated GF Value™ of €9.85.

Key valuation signals for FRA:5FI:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €9.85 vs. price of €14.80 (50.3% above fair value)
  • GF Score™: 55/100 with 6 warning signs

No single metric tells the full story. See the FRA:5FI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hachijuni Nagano Bank Business Description

Other Exchanges HACBY:USA8359:Japan
Address 178-8 Okada, Nakagosho, Nagano, JPN, 380-8682
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.
55GF Score

Get the complete analysis for FRA:5FI

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€14.80
Price
€9.85
GF Value