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Hachijuni Nagano BankHACBY -0.08%50 Equity-to-Asset is 0.09 as of Mar. 2026, which is 29% above its 10-year median of 0.07. GuruFocus rates HACBY with a GF Score™ of 50/100 and a GF Value™ of $21.47 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Hachijuni Nagano Bank ranks worse than 55.64% on this metric.
Hachijuni Nagano Bank (OTCPK:HACBY) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Hachijuni Nagano Bank Equity-to-Asset Related Terms
Hachijuni Nagano Bank Equity-to-Asset Historical Data
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The historical data trend for Hachijuni Nagano Bank's Equity-to-Asset 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 Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Hachijuni Nagano Bank's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 (HACBY) has a Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Hachijuni Nagano Bank and its competitors. This is 29% above median its historical median of 0.07. Over the past decade, Hachijuni Nagano Bank's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Hachijuni Nagano Bank ranks #848 out of 1524 companies in the Banks industry, placing it in the top 55.6%.
Is Hachijuni Nagano Bank's Equity-to-Asset too high?
Hachijuni Nagano Bank's current Equity-to-Asset of 0.09 is 29% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Hachijuni Nagano Bank's value of 0.09 is 10% below this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #848 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Hachijuni Nagano Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #848 out of 1524 companies for Equity-to-Asset. This places Hachijuni Nagano Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Hachijuni Nagano Bank's value of 0.09 is 10% below this benchmark. Historically, Hachijuni Nagano Bank's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, Hachijuni Nagano Bank has consistently been below 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hachijuni Nagano Bank's current Equity-to-Asset of 0.09 is 10% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Hachijuni Nagano Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hachijuni Nagano Bank's current Equity-to-Asset is 0.09, which is 29% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.47, compared to a current price of $32.27 — trading 50.3% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 29% above median its 10-year median of 0.07 and 10% below the Banks industry median of 0.10. Hachijuni Nagano Bank's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Hachijuni Nagano Bank (HACBY), the current Equity-to-Asset is 0.09 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of $32.27 is trading 50.3% above its estimated GF Value™ of $21.47.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
Equity-to-Asset: 0.09 (29% above median its 10-year median of 0.07)
GF Value™: $21.47 vs. price of $32.27 (50.3% above fair value)
Industry Position: 10% below the Banks median (#848 of 1524)
No single metric tells the full story. See the HACBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
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