Aozora BankAOZOF 61 Median PS Value is $13.03 as of Jun. 26, 2026, which is 1685% above its 10-year median of 0.73. GuruFocus rates AOZOF with a GF Score™ of 61/100 and a GF Value™ of $12.97. The stock has 6 warning signs investors should review. Among 1,042 Banks companies, Aozora Bank ranks better than 53.07% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Aozora Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $5.88. Aozora Bank's 10-Year median PS Ratio is 2.216. Therefore, the Median PS Value for today is $13.03.
As of today (2026-06-26), Aozora Bank's share price is $14.02. Aozora Bank's Median PS Value is $13.03. Therefore, Aozora Bank's Price to Median PS Value for today is 1.08.
The historical rank and industry rank for Aozora Bank's Median PS Value or its related term are showing as below:
AOZOF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48 Med: 0.73 Max: 1.08
Current: 1.08
During the past 13 years, the highest Price to Median PS Value of Aozora Bank was 1.08. The lowest was 0.48. And the median was 0.73.
AOZOF's Price-to-Median-PS-Value is ranked better than 53.07% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs AOZOF: 1.08
Aozora Bank (OTCPK:AOZOF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Aozora Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
14.02
/
13.03
=
1.08
* 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.
Aozora Bank Median PS Value Related Terms
Aozora Bank Median PS Value Historical Data
* Premium members only.
The historical data trend for Aozora Bank's Median PS Value 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.
For the Banks - Regional subindustry, Aozora Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Aozora Bank Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Aozora Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.216.
Aozora Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.88.
* 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.
Aozora Bank (AOZOF) has a Median PS Value of $13.03 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Aozora Bank and its competitors. This is 1685% above median its historical median of 0.73. Over the past decade, Aozora Bank's Median PS Value has ranged from 0.48 to 1.08. According to the industry distribution chart, Aozora Bank ranks #489 out of 1042 companies in the Banks industry, placing it in the top 46.9%.
Is Aozora Bank's Median PS Value too high?
Aozora Bank's current Median PS Value of $13.03 is 1685% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 1.08. The Banks industry median Median PS Value is 1.11. Aozora Bank's value of $13.03 is 1073.9% above this industry median. Based on the distribution chart, Aozora Bank ranks #489 out of 1042 companies in the Banks industry, which is above the industry midpoint. Overall, Aozora Bank has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's Median PS Value compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #489 out of 1042 companies for Median PS Value. This puts Aozora Bank in the upper half of its industry. The industry median Median PS Value is 1.11. Aozora Bank's value of $13.03 is 1073.9% above this benchmark. Historically, Aozora Bank's own Median PS Value has ranged from 0.48 to 1.08 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 1.11, Aozora 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aozora Bank's current Median PS Value of $13.03 is 1073.9% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Aozora Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current Median PS Value is $13.03, which is 1685% above median its own 10-year median of 0.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aozora Bank stock overvalued right now?
Aozora Bank (AOZOF) has a current Median PS Value of $13.03. The stock's GF Value™ is $12.97, compared to a current price of $14.02 — trading 8.1% above its estimated fair value. The current Median PS Value is $13.03, which is 1685% above median its 10-year median of 0.73 and 1073.9% above the Banks industry median of 1.11. Aozora Bank's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current Median PS Value is $13.03 as of Jun. 26, 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 Aozora Bank (AOZOF) Overvalued in 2026?
Based on GuruFocus' analysis, Aozora Bank stock appears to be overvalued.
The current stock price of $14.02 is trading 8.1% above its estimated GF Value™ of $12.97.
Key valuation signals for AOZOF:
Median PS Value: $13.03 (1685% above median its 10-year median of 0.73)
GF Value™: $12.97 vs. price of $14.02 (8.1% above fair value)
Industry Position: 1073.9% above the Banks median (#489 of 1042)
No single metric tells the full story. See the AOZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aozora Bank Ltd is a full-service commercial bank with operations mainly in Japan. It is engaged in banking and financial services through various business segments. The Corporate Sales Group provides lending, deposits, financial products, private equity investment, and M&A-related services for corporate clients. The Structured Finance Group handles acquisition, environmental projects, revitalization, and real estate finance. The International Business Group manages overseas investment and financing operations. The Market Group deals with derivatives, foreign exchange trading, and ALM. The Customer Relations Group offers loans, deposits, and financial products to corporate and retail clients. It generates the majority of its revenue from the Structured Finance Group segment.
61GF Score
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