Hyakugo Bank has the GF Score of 51, 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:
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 Hyakugo 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.
Hyakugo Bank (NGO:8368) 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)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Hyakugo Bank GF Score Related Terms
Hyakugo Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Hyakugo 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.
Hyakugo Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Hyakugo Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Hyakugo Bank's GF Score falls into.
Hyakugo Bank (NGO:8368) has a GF Score of 51 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 Hyakugo Bank and its competitors. This is 11% below median its historical median of 57.00. Over the past decade, Hyakugo Bank's GF Score has ranged from 7.00 to 68.00.
Is Hyakugo Bank's GF Score too high?
Hyakugo Bank's current GF Score of 51 is 11% below median its 10-year median of 57.00. Over the past 10 years, this metric has ranged from a low of 7.00 to a high of 68.00. Overall, Hyakugo Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's GF Score compare to competitors?
Hyakugo Bank's GF Score of 51 can be compared against companies in the Banks industry. Historically, Hyakugo Bank's own GF Score has ranged from 7.00 to 68.00 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 Hyakugo Bank and its competitors. Hyakugo Bank's current GF Score is 51, which is 11% below median its own 10-year median of 57.00. 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?
Based on GuruFocus' analysis, Hyakugo Bank (NGO:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円897.88, compared to a current price of 円2,031.00 — trading 126.2% above its estimated fair value. The current GF Score is 51, which is 11% below median its 10-year median of 57.00. Hyakugo Bank's overall GF Score™ is 51/100 with 4 warning signs 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 Hyakugo Bank (NGO:8368), the current GF Score is 51 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 Hyakugo Bank (NGO:8368) Overvalued in 2026?
Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued.
The current stock price of 円2,031.00 is trading 126.2% above its estimated GF Value™ of 円897.88.
GuruFocus considers Hyakugo Bank to be Significantly Overvalued.
Key valuation signals for NGO:8368:
GF Score: 51 (11% below median its 10-year median of 57.00)
GF Value™: 円897.88 vs. price of 円2,031.00 (126.2% above fair value)
No single metric tells the full story. See the NGO:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
51GF Score
Get the complete analysis for NGO:8368
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NGO:8368 has been successfully added to your 