Keiyo BankTSE:8544 +0.32% Net Margin % is 13.91% as of Mar. 2026, which is 22% below its 10-year median of 17.82. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Keiyo Bank ranks worse than 75.77% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Keiyo Bank's Net Income for the
three
months ended in Mar. 2026 was 円3,275 Mil. Keiyo Bank's Revenue for the
three
months ended in Mar. 2026 was 円23,552 Mil. Therefore, Keiyo Bank's net margin for the quarter that ended in Mar. 2026 was 13.91%.
The historical rank and industry rank for Keiyo Bank's Net Margin % or its related term are showing as below:
TSE:8544'
s Net Margin % Range Over the Past 10 Years
Min: 8.85 Med: 17.82 Max: 20.04
Current: 17.78
TSE:8544's Net Margin % is ranked worse than 75.77% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8544: 17.78
Keiyo Bank (TSE:8544) 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.
Keiyo Bank Net Margin % Related Terms
Keiyo Bank Net Margin % Historical Data
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The historical data trend for Keiyo 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, Keiyo 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.
Keiyo Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Keiyo Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Keiyo 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.
Keiyo Bank (TSE:8544) has a Net Margin % of 13.91% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Keiyo Bank and its competitors. This is 22% below median its historical median of 17.82. Over the past decade, Keiyo Bank's Net Margin % has ranged from 8.85 to 20.04. According to the industry distribution chart, Keiyo Bank ranks #1157 out of 1527 companies in the Banks industry, placing it in the top 75.8%.
Is Keiyo Bank's Net Margin % too high?
Keiyo Bank's current Net Margin % of 13.91% is 22% below median its 10-year median of 17.82. Over the past 10 years, this metric has ranged from a low of 8.85 to a high of 20.04. The Banks industry median Net Margin % is 26.95. Keiyo Bank's value of 13.91% is 48.4% below this industry median. Based on the distribution chart, Keiyo Bank ranks #1157 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers.
How does Keiyo Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Keiyo Bank ranks #1157 out of 1527 companies for Net Margin %. This places Keiyo Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Keiyo Bank's value of 13.91% is 48.4% below this benchmark. Historically, Keiyo Bank's own Net Margin % has ranged from 8.85 to 20.04 over the past decade. While the company's 10-year median is 17.82 vs. the industry median of 26.95, Keiyo 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. Keiyo Bank's current Net Margin % of 13.91% is 48.4% 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 Keiyo 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. Keiyo Bank's current Net Margin % is 13.91%, which is 22% below median its own 10-year median of 17.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keiyo Bank stock overvalued right now?
Based on GuruFocus' analysis, Keiyo Bank (TSE:8544) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,179.83, compared to a current price of 円2,471.00 — trading 109.4% above its estimated fair value. The current Net Margin % is 13.91%, which is 22% below median its 10-year median of 17.82 and 48.4% below the Banks industry median of 26.95. 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 Keiyo Bank (TSE:8544), the current Net Margin % is 13.91% 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.
Keiyo Bank Ltd is a Japanese regional bank operating in the Chiba prefecture. Nearly half of its banking locations are in Chiba proper. Its commercial banking activities include consumer loans, foreign currency deposits, and ATM services. Most of the bank's earning assets are in loans and bill discounted, along with securities. Most of its retail loan portfolio is concentrated in housing loans and loans to small and midsize companies. The bank relies on a consulting arm that works with customers to curtail nonperforming loans. In addition to net interest income, the bank relies on fees and commissions to generate income.
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