HYKUF (Hyakugo Bank) E10: $0.19 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

HYKUF Hyakugo Bank Ltd HYKUF
56 GF Score
Price $4.70
GF Value $2.07
! 5 Warning Signs
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What is Hyakugo Bank E10?

Hyakugo Bank HYKUF +18.87% 56 E10 is $0.19 as of Mar. 2026. GuruFocus rates HYKUF with a GF Score™ of 56/100 and a GF Value™ of $2.07. The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Hyakugo Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.277. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.19 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Hyakugo Bank's average E10 Growth Rate was 10.20% per year. During the past 3 years, the average E10 Growth Rate was 7.60% per year. During the past 5 years, the average E10 Growth Rate was 6.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Hyakugo Bank was 7.60% per year. The lowest was 4.80% per year. And the median was 5.25% per year.

As of today (2026-08-06), Hyakugo Bank's current stock price is $4.70. Hyakugo Bank's E10 for the quarter that ended in Mar. 2026 was $0.19. Hyakugo Bank's Shiller PE Ratio of today is 24.74.

During the past 13 years, the highest Shiller PE Ratio of Hyakugo Bank was 33.76. The lowest was 5.83. And the median was 9.48.


Hyakugo Bank  (OTCPK:HYKUF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Hyakugo Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.70/0.19
=24.74

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Hyakugo Bank was 33.76. The lowest was 5.83. And the median was 9.48.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Hyakugo Bank E10 Related Terms


Hyakugo Bank E10 Historical Data

* Premium members only.

The historical data trend for Hyakugo Bank's E10 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.

Hyakugo Bank E10 Chart

Hyakugo Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.45 0.40 0.24 0.30 0.19

Hyakugo Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.30 0.38 0.29 0.24 0.19

Hyakugo Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Hyakugo Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Hyakugo Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hyakugo Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Hyakugo Bank's Shiller PE Ratio falls into.


HYKUF
56GF Score
Hyakugo Bank Ltd HYKUF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hyakugo Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Hyakugo Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.277/112.7000*112.7000
=0.277

Current CPI (Mar. 2026) = 112.7000.

Hyakugo Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.078 98.100 0.090
201609 0.083 98.000 0.095
201612 0.095 98.400 0.109
201703 0.069 98.100 0.079
201706 0.101 98.500 0.116
201709 0.120 98.800 0.137
201712 0.130 99.400 0.147
201803 0.065 99.200 0.074
201806 0.092 99.200 0.105
201809 0.132 99.900 0.149
201812 0.048 99.700 0.054
201903 0.111 99.700 0.125
201906 0.134 99.800 0.151
201909 0.103 100.100 0.116
201912 0.086 100.500 0.096
202003 0.093 100.300 0.104
202006 0.104 99.900 0.117
202009 0.115 99.900 0.130
202012 0.125 99.300 0.142
202103 0.134 99.900 0.151
202106 0.115 99.500 0.130
202109 0.129 100.100 0.145
202112 0.136 100.100 0.153
202203 0.088 101.100 0.098
202206 0.113 101.800 0.125
202209 0.100 103.100 0.109
202212 0.089 104.100 0.096
202303 0.117 104.400 0.126
202306 0.142 105.200 0.152
202309 0.086 106.200 0.091
202312 0.100 106.800 0.106
202403 0.061 107.200 0.064
202406 0.137 108.200 0.143
202409 0.107 108.900 0.111
202412 0.143 110.700 0.146
202503 0.094 111.100 0.095
202506 0.107 111.700 0.108
202509 0.177 112.000 0.178
202512 0.158 113.000 0.158
202603 0.277 112.700 0.277

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.19 mean?
Hyakugo Bank (HYKUF) has a E10 of $0.19 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hyakugo Bank and its competitors.
Is Hyakugo Bank's E10 too high?
Hyakugo Bank's current E10 is $0.19. Overall, Hyakugo Bank has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's E10 compare to competitors?
Hyakugo Bank's E10 of $0.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hyakugo Bank and its competitors. Hyakugo Bank's current E10 is $0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Hyakugo Bank (HYKUF) has a current E10 of $0.19. The stock's GF Value™ is $2.07, compared to a current price of $4.70 — trading 127.1% above its estimated fair value. The current E10 is $0.19. Hyakugo Bank's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Hyakugo Bank (HYKUF), the current E10 is $0.19 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 Hyakugo Bank (HYKUF) Overvalued in 2026?

Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued. The current stock price of $4.70 is trading 127.1% above its estimated GF Value™ of $2.07.

Key valuation signals for HYKUF:

  • E10: $0.19
  • GF Value™: $2.07 vs. price of $4.70 (127.1% above fair value)
  • GF Score™: 56/100 with 5 warning signs

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


Hyakugo Bank Business Description

Other Exchanges 8368:Japan
Address 21-27, Iwata, Tsu, Mie, JPN, 514-8666
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
56GF Score

Get the complete analysis for HYKUF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.70
Price
$2.07
GF Value