Ehime BankTSE:8541 +1.87%58 Net Margin % is 17.78% as of Mar. 2026, which is 15% above its 10-year median of 15.51. GuruFocus rates TSE:8541 with a GF Score™ of 58/100 and a GF Value™ of 円1,239.47 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Ehime Bank ranks worse than 80.03% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Ehime Bank's Net Income for the
three
months ended in Mar. 2026 was 円2,214 Mil. Ehime Bank's Revenue for the
three
months ended in Mar. 2026 was 円12,452 Mil. Therefore, Ehime Bank's net margin for the quarter that ended in Mar. 2026 was 17.78%.
The historical rank and industry rank for Ehime Bank's Net Margin % or its related term are showing as below:
TSE:8541'
s Net Margin % Range Over the Past 10 Years
Min: 11.73 Med: 15.51 Max: 16.87
Current: 15.69
TSE:8541's Net Margin % is ranked worse than 80.03% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8541: 15.69
Ehime Bank (TSE:8541) 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.
Ehime Bank Net Margin % Related Terms
Ehime Bank Net Margin % Historical Data
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The historical data trend for Ehime 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, Ehime 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.
Ehime Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ehime Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ehime 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.
Ehime Bank (TSE:8541) has a Net Margin % of 17.78% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ehime Bank and its competitors. This is 15% above median its historical median of 15.51. Over the past decade, Ehime Bank's Net Margin % has ranged from 11.73 to 16.87. According to the industry distribution chart, Ehime Bank ranks #1222 out of 1527 companies in the Banks industry, placing it in the top 80%.
Is Ehime Bank's Net Margin % too high?
Ehime Bank's current Net Margin % of 17.78% is 15% above median its 10-year median of 15.51. Over the past 10 years, this metric has ranged from a low of 11.73 to a high of 16.87. The Banks industry median Net Margin % is 26.95. Ehime Bank's value of 17.78% is 34% below this industry median. Based on the distribution chart, Ehime Bank ranks #1222 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ehime Bank has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ehime Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Ehime Bank ranks #1222 out of 1527 companies for Net Margin %. This places Ehime Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Ehime Bank's value of 17.78% is 34% below this benchmark. Historically, Ehime Bank's own Net Margin % has ranged from 11.73 to 16.87 over the past decade. While the company's 10-year median is 15.51 vs. the industry median of 26.95, Ehime 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. Ehime Bank's current Net Margin % of 17.78% is 34% 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 Ehime 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. Ehime Bank's current Net Margin % is 17.78%, which is 15% above median its own 10-year median of 15.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ehime Bank stock overvalued right now?
Based on GuruFocus' analysis, Ehime Bank (TSE:8541) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,239.47, compared to a current price of 円2,011.00 — trading 62.2% above its estimated fair value. The current Net Margin % is 17.78%, which is 15% above median its 10-year median of 15.51 and 34% below the Banks industry median of 26.95. Ehime Bank's overall GF Score™ is 58/100 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 Ehime Bank (TSE:8541), the current Net Margin % is 17.78% 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 Ehime Bank (TSE:8541) Overvalued in 2026?
Based on GuruFocus' analysis, Ehime Bank stock appears to be overvalued.
The current stock price of 円2,011.00 is trading 62.2% above its estimated GF Value™ of 円1,239.47.
GuruFocus considers Ehime Bank to be Significantly Overvalued.
Key valuation signals for TSE:8541:
Net Margin %: 17.78% (15% above median its 10-year median of 15.51)
GF Value™: 円1,239.47 vs. price of 円2,011.00 (62.2% above fair value)
Industry Position: 34% below the Banks median (#1222 of 1527)
No single metric tells the full story. See the TSE:8541 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ehime Bank Ltd is engaged in the provision of banking products and financial services in Japan. The bank offers deposits such as time, savings and property, savings and current accounts, and loans. In addition, it offers various insurance services including term and life, property, corporate business and medical insurance. The bank also renders services comprising of mutual fund, government bond, and other financial product brokerage business.
58GF Score
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