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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. Howa Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was 円1593.655. Howa Bank's 10-Year median PS Ratio is 0.4339. Therefore, the Median PS Value for today is 円691.44.
As of today (2026-08-31), Howa Bank's share price is 円497.00. Howa Bank's Median PS Value is 円691.44. Therefore, Howa Bank's Price to Median PS Value for today is 0.72.
The historical rank and industry rank for Howa Bank's Median PS Value or its related term are showing as below:
FSE:8559'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.71 Med: 1.02 Max: 1.32
Current: 0.72
During the past 13 years, the highest Price to Median PS Value of Howa Bank was 1.32. The lowest was 0.71. And the median was 1.02.
FSE:8559's Price-to-Median-PS-Value is ranked better than 88.31% of 1061
companies
in the Banks industry
Industry Median: 1.1
vs FSE:8559: 0.72
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.
Howa Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
497.00
/
691.44
=
0.72
* 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.
Howa Bank Median PS Value Related Terms
Howa Bank Median PS Value Historical Data
* Premium members only.
The historical data trend for Howa 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, Howa 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.
Howa Bank Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Howa Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.4339.
Howa 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 円1593.655.
* 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.
Howa Bank (FSE:8559) has a Median PS Value of 円691.44 as of Aug. 31, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Howa Bank and its competitors. According to the industry distribution chart, Howa Bank ranks #124 out of 1061 companies in the Banks industry, placing it in the top 11.7%.
Is Howa Bank's Median PS Value too high?
Howa Bank's current Median PS Value is 円691.44. Based on the distribution chart, Howa Bank ranks #124 out of 1061 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Median PS Value compare to USB?
According to the Banks industry distribution chart, Howa Bank ranks #124 out of 1061 companies for Median PS Value. This places Howa Bank in the top 12% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.10. 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 1.10, based on 1,061 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. 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 Howa Bank and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current Median PS Value is 円691.44. 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 Fairly Valued. The stock's GF Value™ is 円534.63, compared to a current price of 円497.00 — trading 7% below its estimated fair value. The current Median PS Value is 円691.44. Howa Bank's overall GF Score™ is 54/100. 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 Howa Bank (FSE:8559), the current Median PS Value is 円691.44 as of Aug. 31, 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497.00 is trading 7% below its estimated GF Value™ of 円534.63.
GuruFocus considers Howa Bank to be Fairly Valued.
Key valuation signals for FSE:8559:
Median PS Value: 円691.44
GF Value™: 円534.63 vs. price of 円497.00 (7% below fair value)
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 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
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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