Hachijuni Nagano BankTSE:8359 +1.34%56 Net Margin % is 21.20% as of Mar. 2026, which is 33% above its 10-year median of 15.92. GuruFocus rates TSE:8359 with a GF Score™ of 56/100 and a GF Value™ of 円1,623.18 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Hachijuni Nagano Bank ranks worse than 50.69% on this metric.
The historical rank and industry rank for Hachijuni Nagano Bank's Net Margin % or its related term are showing as below:
TSE:8359'
s Net Margin % Range Over the Past 10 Years
Min: 13.83 Med: 15.92 Max: 26.59
Current: 26.59
TSE:8359's Net Margin % is ranked worse than 50.69% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8359: 26.59
Hachijuni Nagano Bank (TSE:8359) 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.
Hachijuni Nagano Bank Net Margin % Related Terms
Hachijuni Nagano Bank Net Margin % Historical Data
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The historical data trend for Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank (TSE:8359) has a Net Margin % of 21.20% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hachijuni Nagano Bank and its competitors. This is 33% above median its historical median of 15.92. Over the past decade, Hachijuni Nagano Bank's Net Margin % has ranged from 13.83 to 26.59. According to the industry distribution chart, Hachijuni Nagano Bank ranks #774 out of 1527 companies in the Banks industry, placing it in the top 50.7%.
Is Hachijuni Nagano Bank's Net Margin % too high?
Hachijuni Nagano Bank's current Net Margin % of 21.20% is 33% above median its 10-year median of 15.92. Over the past 10 years, this metric has ranged from a low of 13.83 to a high of 26.59. The Banks industry median Net Margin % is 26.95. Hachijuni Nagano Bank's value of 21.20% is 21.3% below this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #774 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Hachijuni Nagano Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #774 out of 1527 companies for Net Margin %. This places Hachijuni Nagano Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Hachijuni Nagano Bank's value of 21.20% is 21.3% below this benchmark. Historically, Hachijuni Nagano Bank's own Net Margin % has ranged from 13.83 to 26.59 over the past decade. While the company's 10-year median is 15.92 vs. the industry median of 26.95, Hachijuni Nagano Bank 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. Hachijuni Nagano Bank's current Net Margin % of 21.20% is 21.3% 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 Hachijuni Nagano Bank 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. Hachijuni Nagano Bank's current Net Margin % is 21.20%, which is 33% above median its own 10-year median of 15.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (TSE:8359) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,623.18, compared to a current price of 円2,387.00 — trading 47.1% above its estimated fair value. The current Net Margin % is 21.20%, which is 33% above median its 10-year median of 15.92 and 21.3% below the Banks industry median of 26.95. Hachijuni Nagano Bank's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hachijuni Nagano Bank (TSE:8359), the current Net Margin % is 21.20% 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 Hachijuni Nagano Bank (TSE:8359) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of 円2,387.00 is trading 47.1% above its estimated GF Value™ of 円1,623.18.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for TSE:8359:
Net Margin %: 21.20% (33% above median its 10-year median of 15.92)
GF Value™: 円1,623.18 vs. price of 円2,387.00 (47.1% above fair value)
Industry Position: 21.3% below the Banks median (#774 of 1527)
No single metric tells the full story. See the TSE:8359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
56GF Score
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