Hyakugo BankTSE:8368 +2.40%52 Net Margin % is 24.50% as of Mar. 2026, which is 68% above its 10-year median of 14.58. GuruFocus rates TSE:8368 with a GF Score™ of 52/100 and a GF Value™ of 円907.17 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Hyakugo Bank ranks worse than 70.07% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Hyakugo Bank's Net Income for the
three
months ended in Mar. 2026 was 円10,695 Mil. Hyakugo Bank's Revenue for the
three
months ended in Mar. 2026 was 円43,656 Mil. Therefore, Hyakugo Bank's net margin for the quarter that ended in Mar. 2026 was 24.50%.
The historical rank and industry rank for Hyakugo Bank's Net Margin % or its related term are showing as below:
TSE:8368'
s Net Margin % Range Over the Past 10 Years
Min: 12.15 Med: 14.58 Max: 20.24
Current: 20.24
TSE:8368's Net Margin % is ranked worse than 70.07% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8368: 20.24
Hyakugo Bank (TSE:8368) 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.
Hyakugo Bank Net Margin % Related Terms
Hyakugo Bank Net Margin % Historical Data
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The historical data trend for Hyakugo 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.
For the Banks - Regional subindustry, Hyakugo 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.
Hyakugo Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hyakugo Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hyakugo 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.
Hyakugo Bank (TSE:8368) has a Net Margin % of 24.50% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hyakugo Bank and its competitors. This is 68% above median its historical median of 14.58. Over the past decade, Hyakugo Bank's Net Margin % has ranged from 12.15 to 20.24. According to the industry distribution chart, Hyakugo Bank ranks #1070 out of 1527 companies in the Banks industry, placing it in the top 70.1%.
Is Hyakugo Bank's Net Margin % too high?
Hyakugo Bank's current Net Margin % of 24.50% is 68% above median its 10-year median of 14.58. Over the past 10 years, this metric has ranged from a low of 12.15 to a high of 20.24. The Banks industry median Net Margin % is 26.95. Hyakugo Bank's value of 24.50% is 9.1% below this industry median. Based on the distribution chart, Hyakugo Bank ranks #1070 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Hyakugo Bank has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Hyakugo Bank ranks #1070 out of 1527 companies for Net Margin %. This places Hyakugo Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Hyakugo Bank's value of 24.50% is 9.1% below this benchmark. Historically, Hyakugo Bank's own Net Margin % has ranged from 12.15 to 20.24 over the past decade. While the company's 10-year median is 14.58 vs. the industry median of 26.95, Hyakugo 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. Hyakugo Bank's current Net Margin % of 24.50% is 9.1% 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 Hyakugo 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. Hyakugo Bank's current Net Margin % is 24.50%, which is 68% above median its own 10-year median of 14.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Based on GuruFocus' analysis, Hyakugo Bank (TSE:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円907.17, compared to a current price of 円1,960.00 — trading 116.1% above its estimated fair value. The current Net Margin % is 24.50%, which is 68% above median its 10-year median of 14.58 and 9.1% below the Banks industry median of 26.95. Hyakugo Bank's overall GF Score™ is 52/100 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 Hyakugo Bank (TSE:8368), the current Net Margin % is 24.50% 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 Hyakugo Bank (TSE:8368) Overvalued in 2026?
Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued.
The current stock price of 円1,960.00 is trading 116.1% above its estimated GF Value™ of 円907.17.
GuruFocus considers Hyakugo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8368:
Net Margin %: 24.50% (68% above median its 10-year median of 14.58)
GF Value™: 円907.17 vs. price of 円1,960.00 (116.1% above fair value)
Industry Position: 9.1% below the Banks median (#1070 of 1527)
No single metric tells the full story. See the TSE:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
52GF Score
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