Bank of IwateTSE:8345 +2.84%53 Net Margin % is 10.20% as of Mar. 2026, which is 11% below its 10-year median of 11.52. GuruFocus rates TSE:8345 with a GF Score™ of 53/100 and a GF Value™ of 円1,135.45 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Bank of Iwate ranks worse than 83.24% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank of Iwate's Net Income for the
three
months ended in Mar. 2026 was 円2,358 Mil. Bank of Iwate's Revenue for the
three
months ended in Mar. 2026 was 円23,118 Mil. Therefore, Bank of Iwate's net margin for the quarter that ended in Mar. 2026 was 10.20%.
The historical rank and industry rank for Bank of Iwate's Net Margin % or its related term are showing as below:
TSE:8345'
s Net Margin % Range Over the Past 10 Years
Min: 7.06 Med: 11.52 Max: 24.51
Current: 13.62
TSE:8345's Net Margin % is ranked worse than 83.24% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8345: 13.62
Bank of Iwate (TSE:8345) 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.
Bank of Iwate Net Margin % Related Terms
Bank of Iwate Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank of Iwate'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.
For the Banks - Regional subindustry, Bank of Iwate'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.
Bank of Iwate Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Iwate's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Iwate'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.
Bank of Iwate (TSE:8345) has a Net Margin % of 10.20% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank of Iwate and its competitors. This is 11% below median its historical median of 11.52. Over the past decade, Bank of Iwate's Net Margin % has ranged from 7.06 to 24.51. According to the industry distribution chart, Bank of Iwate ranks #1271 out of 1527 companies in the Banks industry, placing it in the top 83.2%.
Is Bank of Iwate's Net Margin % too high?
Bank of Iwate's current Net Margin % of 10.20% is 11% below median its 10-year median of 11.52. Over the past 10 years, this metric has ranged from a low of 7.06 to a high of 24.51. The Banks industry median Net Margin % is 26.95. Bank of Iwate's value of 10.20% is 62.2% below this industry median. Based on the distribution chart, Bank of Iwate ranks #1271 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Iwate has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Iwate's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of Iwate ranks #1271 out of 1527 companies for Net Margin %. This places Bank of Iwate in the lower half of its industry. The industry median Net Margin % is 26.95. Bank of Iwate's value of 10.20% is 62.2% below this benchmark. Historically, Bank of Iwate's own Net Margin % has ranged from 7.06 to 24.51 over the past decade. While the company's 10-year median is 11.52 vs. the industry median of 26.95, Bank of Iwate 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. Bank of Iwate's current Net Margin % of 10.20% is 62.2% 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 Bank of Iwate 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. Bank of Iwate's current Net Margin % is 10.20%, which is 11% below median its own 10-year median of 11.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Iwate stock overvalued right now?
Based on GuruFocus' analysis, Bank of Iwate (TSE:8345) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,135.45, compared to a current price of 円2,030.00 — trading 78.8% above its estimated fair value. The current Net Margin % is 10.20%, which is 11% below median its 10-year median of 11.52 and 62.2% below the Banks industry median of 26.95. Bank of Iwate's overall GF Score™ is 53/100 with 5 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 Bank of Iwate (TSE:8345), the current Net Margin % is 10.20% 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 Bank of Iwate (TSE:8345) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Iwate stock appears to be overvalued.
The current stock price of 円2,030.00 is trading 78.8% above its estimated GF Value™ of 円1,135.45.
GuruFocus considers Bank of Iwate to be Significantly Overvalued.
Key valuation signals for TSE:8345:
Net Margin %: 10.20% (11% below median its 10-year median of 11.52)
GF Value™: 円1,135.45 vs. price of 円2,030.00 (78.8% above fair value)
Industry Position: 62.2% below the Banks median (#1271 of 1527)
No single metric tells the full story. See the TSE:8345 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Iwate Ltd is headquartered in Japan and provides financial services both in Japan and internationally. The company derives the majority of revenue providing deposit and lending services to customers. Customers include individuals, companies and governments. In addition to deposit and lending services, the company invests and trades in securities. The Bank of Iwate focuses operations in Iwate, and the Iwate Prefecture of Japan is a shareholder. The company earns the majority of revenue domestically.
53GF Score
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