Nanto Bank (TSE:8367) Net Interest Margin (Bank Only) %: 1.37% (As of Mar. 2026)


TSE:8367 Nanto Bank Ltd TSE:8367
45 GF Score
Price 円1,824.00
GF Value 円872.43
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Nanto Bank Net Interest Margin (Bank Only) %?

Nanto Bank TSE:8367 +1.84% 45 Net Interest Margin (Bank Only) % is 1.37% as of Mar. 2026. GuruFocus rates TSE:8367 with a GF Score™ of 45/100 and a GF Value™ of 円872.43 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Nanto Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was 円63,316 Mil. Nanto Bank's average earning assets for the quarter that ended in Mar. 2026 was 円4,637,216 Mil. Therefore, Nanto Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 1.37%.


Nanto Bank  (TSE:8367) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Nanto Bank Net Interest Margin (Bank Only) % Related Terms


Nanto Bank Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Nanto Bank's Net Interest Margin (Bank Only) % 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.

Nanto Bank Net Interest Margin (Bank Only) % Chart

Nanto Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.23 1.10 1.05 1.29 1.33

Nanto Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.21 1.34 1.28 1.42 1.37

Nanto Bank Net Interest Margin (Bank Only) % Competitor Comparison

For the Banks - Regional subindustry, Nanto Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.


Nanto Bank Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Nanto Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Nanto Bank's Net Interest Margin (Bank Only) % falls into.


TSE:8367
45GF Score
Nanto Bank Ltd TSE:8367
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Nanto Bank Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Nanto Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2025 ) + Earning Assets (A: Mar. 2026 ))/ count )
=61015/( (4456769 + 4703030)/ 2 )
=61015/4579899.5
=1.33 %

where

Earning Assets(A: Mar. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=15510 + 4441259 + 0
=4456769

Earning Assets(A: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=14220 + 4688810 + 0
=4703030

Nanto Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2025 ) + Earning Assets (Q: Mar. 2026 ))/ count )
=63316/( (4571402 + 4703030)/ 2 )
=63316/4637216
=1.37 %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=14570 + 4556832 + 0
=4571402

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=14220 + 4688810 + 0
=4703030

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of 1.37% mean?
Nanto Bank (TSE:8367) has a Net Interest Margin (Bank Only) % of 1.37% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Nanto Bank and its competitors.
Is Nanto Bank's Net Interest Margin (Bank Only) % too high?
Nanto Bank's current Net Interest Margin (Bank Only) % is 1.37%. Overall, Nanto Bank has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nanto Bank's Net Interest Margin (Bank Only) % compare to competitors?
Nanto Bank's Net Interest Margin (Bank Only) % of 1.37% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Nanto Bank and its competitors. Nanto Bank's current Net Interest Margin (Bank Only) % is 1.37%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nanto Bank stock overvalued right now?
Based on GuruFocus' analysis, Nanto Bank (TSE:8367) is currently considered Significantly Overvalued. The stock's GF Value™ is 円872.43, compared to a current price of 円1,824.00 — trading 109.1% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 1.37%. Nanto Bank's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Nanto Bank (TSE:8367), the current Net Interest Margin (Bank Only) % is 1.37% 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 Nanto Bank (TSE:8367) Overvalued in 2026?

Based on GuruFocus' analysis, Nanto Bank stock appears to be overvalued. The current stock price of 円1,824.00 is trading 109.1% above its estimated GF Value™ of 円872.43. GuruFocus considers Nanto Bank to be Significantly Overvalued.

Key valuation signals for TSE:8367:

  • Net Interest Margin (Bank Only) %: 1.37%
  • GF Value™: 円872.43 vs. price of 円1,824.00 (109.1% above fair value)
  • GF Score™: 45/100 with 6 warning signs

No single metric tells the full story. See the TSE:8367 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Nanto Bank Business Description

Address 16 Hashimoto-cho, Nara, JPN, 630-8677
Nanto Bank Ltd is a Japanese regional bank operating primarily in the Nara Prefecture, but extending to neighboring prefectures in Japan. The bank reports earnings through two segments: banking and securities, and leasing. It also operates a credit guarantee, computer software development and service, and a credit card business. The bank's strategy emphasizes regional market penetration. Most of the bank's earning assets are in loans and bills discounted and securities. Nanto Bank generates a majority of income through net interest income, followed by fees and commissions.
45GF Score

Get the complete analysis for TSE:8367

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円1,824.00
Price
円872.43
GF Value