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The Tottori BankTSE:8383 -3.57%65 Net Margin % is 10.40% as of Mar. 2026, which is 22% above its 10-year median of 8.49. GuruFocus rates TSE:8383 with a GF Score™ of 65/100 and a GF Value™ of 円1,496.88 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, The Tottori Bank ranks worse than 86.97% on this metric.
The historical rank and industry rank for The Tottori Bank's Net Margin % or its related term are showing as below:
TSE:8383'
s Net Margin % Range Over the Past 10 Years
Min: 7.64 Med: 8.49 Max: 10.93
Current: 10.93
TSE:8383's Net Margin % is ranked worse than 86.97% of 1527
companies
in the Banks industry
Industry Median: 26.88
vs TSE:8383: 10.93
The Tottori Bank (TSE:8383) 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 Tottori Bank Net Margin % Related Terms
The Tottori Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for The Tottori 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.
The Tottori Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, The Tottori 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.
The Tottori Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, The Tottori Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Tottori 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.
The Tottori Bank (TSE:8383) has a Net Margin % of 10.40% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Tottori Bank and its competitors. This is 22% above median its historical median of 8.49. Over the past decade, The Tottori Bank's Net Margin % has ranged from 7.64 to 10.93. According to the industry distribution chart, The Tottori Bank ranks #1328 out of 1527 companies in the Banks industry, placing it in the top 87%.
Is The Tottori Bank's Net Margin % too high?
The Tottori Bank's current Net Margin % of 10.40% is 22% above median its 10-year median of 8.49. Over the past 10 years, this metric has ranged from a low of 7.64 to a high of 10.93. The Banks industry median Net Margin % is 26.88. The Tottori Bank's value of 10.40% is 61.3% below this industry median. Based on the distribution chart, The Tottori Bank ranks #1328 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, The Tottori Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Tottori Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, The Tottori Bank ranks #1328 out of 1527 companies for Net Margin %. This places The Tottori Bank in the lower half of its industry. The industry median Net Margin % is 26.88. The Tottori Bank's value of 10.40% is 61.3% below this benchmark. Historically, The Tottori Bank's own Net Margin % has ranged from 7.64 to 10.93 over the past decade. While the company's 10-year median is 8.49 vs. the industry median of 26.88, The Tottori 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 26.88, 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 Tottori Bank's current Net Margin % of 10.40% is 61.3% 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 The Tottori Bank and its competitors. For the Banks industry, the median Net Margin % is 26.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Tottori Bank's current Net Margin % is 10.40%, which is 22% above median its own 10-year median of 8.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Tottori Bank stock overvalued right now?
Based on GuruFocus' analysis, The Tottori Bank (TSE:8383) is currently considered Fairly Valued. The stock's GF Value™ is 円1,496.88, compared to a current price of 円1,595.00 — trading 6.6% above its estimated fair value. The current Net Margin % is 10.40%, which is 22% above median its 10-year median of 8.49 and 61.3% below the Banks industry median of 26.88. The Tottori Bank's overall GF Score™ is 65/100 with 1 warning sign 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 Tottori Bank (TSE:8383), the current Net Margin % is 10.40% 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 Tottori Bank (TSE:8383) Overvalued in 2026?
Based on GuruFocus' analysis, The Tottori Bank stock appears to be overvalued.
The current stock price of 円1,595.00 is trading 6.6% above its estimated GF Value™ of 円1,496.88.
GuruFocus considers The Tottori Bank to be Fairly Valued.
Key valuation signals for TSE:8383:
Net Margin %: 10.40% (22% above median its 10-year median of 8.49)
GF Value™: 円1,496.88 vs. price of 円1,595.00 (6.6% above fair value)
Industry Position: 61.3% below the Banks median (#1328 of 1527)
No single metric tells the full story. See the TSE:8383 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Tottori Bank Ltd is a Japan-based bank mainly engaged in the banking business. The bank offers the general account, and ordinary, savings, funded time, periodical, property and tax reserve deposit, foreign currency accounts. In addition, it also advances card, and business loans, as well as loan-related services. Further, it also provides automated teller machine special interest time deposit, foreign exchange services, individual annuity, medical, life, periodic, cancer, and revenue protection insurance services.
65GF Score
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