The Bank of NagoyaBNGYF 56 Net Margin % is 13.03% as of Mar. 2026, which is 13% above its 10-year median of 11.51. GuruFocus rates BNGYF with a GF Score™ of 56/100 and a GF Value™ of $5.89. The stock has 4 warning signs investors should review. Among 1,527 Banks companies, The Bank of Nagoya ranks worse than 69.94% on this metric.
The historical rank and industry rank for The Bank of Nagoya's Net Margin % or its related term are showing as below:
BNGYF'
s Net Margin % Range Over the Past 10 Years
Min: 7.51 Med: 11.51 Max: 20.28
Current: 20.28
BNGYF's Net Margin % is ranked worse than 69.94% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BNGYF: 20.28
The Bank of Nagoya (OTCPK:BNGYF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
The Bank of Nagoya Net Margin % Related Terms
The Bank of Nagoya Net Margin % Historical Data
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The historical data trend for The Bank of Nagoya's Net Margin % 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.
The Bank of Nagoya Net Margin % Competitor Comparison
For the Banks - Regional subindustry, The Bank of Nagoya's Net Margin %, along with its competitors' market caps and Net Margin % 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.
The Bank of Nagoya Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, The Bank of Nagoya's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Bank of Nagoya's Net Margin % falls into.
* 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.
The Bank of Nagoya (BNGYF) has a Net Margin % of 13.03% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Bank of Nagoya and its competitors. This is 13% above median its historical median of 11.51. Over the past decade, The Bank of Nagoya's Net Margin % has ranged from 7.51 to 20.28. According to the industry distribution chart, The Bank of Nagoya ranks #1068 out of 1527 companies in the Banks industry, placing it in the top 69.9%.
Is The Bank of Nagoya's Net Margin % too high?
The Bank of Nagoya's current Net Margin % of 13.03% is 13% above median its 10-year median of 11.51. Over the past 10 years, this metric has ranged from a low of 7.51 to a high of 20.28. The Banks industry median Net Margin % is 26.95. The Bank of Nagoya's value of 13.03% is 51.7% below this industry median. Based on the distribution chart, The Bank of Nagoya ranks #1068 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, The Bank of Nagoya has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does The Bank of Nagoya's Net Margin % compare to competitors?
According to the Banks industry distribution chart, The Bank of Nagoya ranks #1068 out of 1527 companies for Net Margin %. This places The Bank of Nagoya in the lower half of its industry. The industry median Net Margin % is 26.95. The Bank of Nagoya's value of 13.03% is 51.7% below this benchmark. Historically, The Bank of Nagoya's own Net Margin % has ranged from 7.51 to 20.28 over the past decade. While the company's 10-year median is 11.51 vs. the industry median of 26.95, The Bank of Nagoya has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Bank of Nagoya's current Net Margin % of 13.03% is 51.7% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on The Bank of Nagoya and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Bank of Nagoya's current Net Margin % is 13.03%, which is 13% above median its own 10-year median of 11.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Bank of Nagoya stock overvalued right now?
The Bank of Nagoya (BNGYF) has a current Net Margin % of 13.03%. The stock's GF Value™ is $5.89, compared to a current price of $12.05 — trading 104.6% above its estimated fair value. The current Net Margin % is 13.03%, which is 13% above median its 10-year median of 11.51 and 51.7% below the Banks industry median of 26.95. The Bank of Nagoya's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For The Bank of Nagoya (BNGYF), the current Net Margin % is 13.03% 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 The Bank of Nagoya (BNGYF) Overvalued in 2026?
Based on GuruFocus' analysis, The Bank of Nagoya stock appears to be overvalued.
The current stock price of $12.05 is trading 104.6% above its estimated GF Value™ of $5.89.
Key valuation signals for BNGYF:
Net Margin %: 13.03% (13% above median its 10-year median of 11.51)
GF Value™: $5.89 vs. price of $12.05 (104.6% above fair value)
Industry Position: 51.7% below the Banks median (#1068 of 1527)
No single metric tells the full story. See the BNGYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Bank of Nagoya Ltd is a Japanese regional bank with an operational presence primarily in Nagoya City and the greater Aichi Prefecture. The bank's reporting segments include banking, leasing, and a credit card business. The company's banking business involves loans and deposits, domestic and foreign exchange transactions, securities investments, trading of trading account securities, and the underwriting and registration of corporate bonds. Its leasing business involves mostly comprehensive finance leasing. A plurality of the bank's income comes from loans, followed by leasing.
56GF Score
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