Howa Bank (FSE:8559) GF Score: 54/100 (As of Jul. 12, 2026) — Near Median


FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円462.00
GF Value 円530.79
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Howa Bank GF Score?

Howa Bank FSE:8559 -0.86% 54 GF Score is 54 as of Jul. 12, 2026, which is at its 10-year median of 54.00. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円530.79 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Howa Bank has the GF Score of 54, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 5/10
2. Profitability Rank : 3/10
3. Growth Rank : 1/10
4. GF Value Rank : 8/10
5. Momentum Rank : 3/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Howa Bank might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Howa Bank  (FSE:8559) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Howa Bank GF Score Related Terms

Howa Bank GF Score Competitor Comparison

For the Banks - Regional subindustry, Howa Bank's GF Score, along with its competitors' market caps and GF Score 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.

Howa Bank GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Howa Bank's GF Score distribution charts can be found below:

* The bar in red indicates where Howa Bank's GF Score falls into.


FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 54 mean?
Howa Bank (FSE:8559) has a GF Score of 54 as of Jul. 12, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Howa Bank and its competitors. This is near median its historical median of 54.00. Over the past decade, Howa Bank's GF Score has ranged from 16.00 to 75.00.
Is Howa Bank's GF Score too high?
Howa Bank's current GF Score of 54 is near median its 10-year median of 54.00. Over the past 10 years, this metric has ranged from a low of 16.00 to a high of 75.00. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's GF Score compare to competitors?
Howa Bank's GF Score of 54 can be compared against companies in the Banks industry. Historically, Howa Bank's own GF Score has ranged from 16.00 to 75.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Howa Bank and its competitors. Howa Bank's current GF Score is 54, which is near median its own 10-year median of 54.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円530.79, compared to a current price of 円462.00 — trading 13% below its estimated fair value. The current GF Score is 54, which is near median its 10-year median of 54.00. Howa Bank's overall GF Score™ is 54/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current GF Score is 54 as of Jul. 12, 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円462.00 is trading 13% below its estimated GF Value™ of 円530.79. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • GF Score: 54 (near median its 10-year median of 54.00)
  • GF Value™: 円530.79 vs. price of 円462.00 (13% below fair value)
  • GF Score™: 54/100 with 1 warning sign

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score

Get the complete analysis for FSE:8559

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

円462.00
Price
円530.79
GF Value