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Yamanashi Chuo BankTSE:8360 -3.98%47 Debt-to-Equity is 1.89 as of Mar. 2026, which is 3% below its 10-year median of 1.94. GuruFocus rates TSE:8360 with a GF Score™ of 47/100 and a GF Value™ of 円2,714.47 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,414 Banks companies, Yamanashi Chuo Bank ranks worse than 72.49% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Yamanashi Chuo Bank's Debt-to-Equity or its related term are showing as below:
TSE:8360'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 1.94 Max: 3.02
Current: 1.18
During the past 13 years, the highest Debt-to-Equity Ratio of Yamanashi Chuo Bank was 3.02. The lowest was 0.03. And the median was 1.94.
TSE:8360's Debt-to-Equity is ranked worse than 72.49% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs TSE:8360: 1.18
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Yamanashi Chuo Bank Debt-to-Equity Related Terms
Yamanashi Chuo Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Yamanashi Chuo Bank's Debt-to-Equity 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.
Yamanashi Chuo Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Yamanashi Chuo Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Yamanashi Chuo Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Yamanashi Chuo Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Yamanashi Chuo Bank's Debt-to-Equity 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.
Yamanashi Chuo Bank (TSE:8360) has a Debt-to-Equity of 1.89 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Yamanashi Chuo Bank and its competitors. This is near median its historical median of 1.94. Over the past decade, Yamanashi Chuo Bank's Debt-to-Equity has ranged from 0.03 to 3.02. According to the industry distribution chart, Yamanashi Chuo Bank ranks #1025 out of 1414 companies in the Banks industry, placing it in the top 72.5%.
Is Yamanashi Chuo Bank's Debt-to-Equity too high?
Yamanashi Chuo Bank's current Debt-to-Equity of 1.89 is near median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 3.02. The Banks industry median Debt-to-Equity is 0.58. Yamanashi Chuo Bank's value of 1.89 is 225.9% above this industry median. Based on the distribution chart, Yamanashi Chuo Bank ranks #1025 out of 1414 companies in the Banks industry, which is below the industry midpoint. Overall, Yamanashi Chuo Bank has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Yamanashi Chuo Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Yamanashi Chuo Bank ranks #1025 out of 1414 companies for Debt-to-Equity. This places Yamanashi Chuo Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Yamanashi Chuo Bank's value of 1.89 is 225.9% above this benchmark. Historically, Yamanashi Chuo Bank's own Debt-to-Equity has ranged from 0.03 to 3.02 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 0.58, Yamanashi Chuo Bank 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Yamanashi Chuo Bank's current Debt-to-Equity of 1.89 is 225.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Yamanashi Chuo Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yamanashi Chuo Bank's current Debt-to-Equity is 1.89, which is near median its own 10-year median of 1.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yamanashi Chuo Bank stock overvalued right now?
Based on GuruFocus' analysis, Yamanashi Chuo Bank (TSE:8360) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,714.47, compared to a current price of 円7,000.00 — trading 157.9% above its estimated fair value. The current Debt-to-Equity is 1.89, which is near median its 10-year median of 1.94 and 225.9% above the Banks industry median of 0.58. Yamanashi Chuo Bank's overall GF Score™ is 47/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Yamanashi Chuo Bank (TSE:8360), the current Debt-to-Equity is 1.89 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 Yamanashi Chuo Bank (TSE:8360) Overvalued in 2026?
Based on GuruFocus' analysis, Yamanashi Chuo Bank stock appears to be overvalued.
The current stock price of 円7,000.00 is trading 157.9% above its estimated GF Value™ of 円2,714.47.
GuruFocus considers Yamanashi Chuo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8360:
Debt-to-Equity: 1.89 (near median its 10-year median of 1.94)
GF Value™: 円2,714.47 vs. price of 円7,000.00 (157.9% above fair value)
Industry Position: 225.9% above the Banks median (#1025 of 1414)
No single metric tells the full story. See the TSE:8360 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yamanashi Chuo Bank Ltd provides financing services in the Yamanashi Prefecture of Japan, as well as in western Tokyo. The bank is headquartered in Japan and generates all revenue domestically. The company provides services such as deposits, time deposits, personal loans, business loans, domestic and foreign exchange services, securities trading, corporate bond underwriting, sale of Japanese government bonds, investment trusts, insurance, currency hedging, forward exchange contracts, current swaps, credit cards, loan guarantees, and economic research.
47GF Score
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