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Tochigi BankTSE:8550 -1.56%47 Net Margin % is 10.30% as of Mar. 2026, which is 69% above its 10-year median of 6.11. GuruFocus rates TSE:8550 with a GF Score™ of 47/100 and a GF Value™ of 円362.86 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Tochigi Bank ranks worse than 72.04% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Tochigi Bank's Net Income for the
three
months ended in Mar. 2026 was 円1,228 Mil. Tochigi Bank's Revenue for the
three
months ended in Mar. 2026 was 円11,923 Mil. Therefore, Tochigi Bank's net margin for the quarter that ended in Mar. 2026 was 10.30%.
The historical rank and industry rank for Tochigi Bank's Net Margin % or its related term are showing as below:
TSE:8550'
s Net Margin % Range Over the Past 10 Years
Min: -58.93 Med: 6.11 Max: 19.54
Current: 19.54
TSE:8550's Net Margin % is ranked worse than 72.04% of 1527
companies
in the Banks industry
Industry Median: 26.88
vs TSE:8550: 19.54
Tochigi Bank (TSE:8550) 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.
Tochigi Bank Net Margin % Related Terms
Tochigi Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Tochigi 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, Tochigi 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.
Tochigi Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tochigi Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tochigi 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.
Tochigi Bank (TSE:8550) has a Net Margin % of 10.30% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Tochigi Bank and its competitors. This is 69% above median its historical median of 6.11. According to the industry distribution chart, Tochigi Bank ranks #1100 out of 1527 companies in the Banks industry, placing it in the top 72%.
Is Tochigi Bank's Net Margin % too high?
Tochigi Bank's current Net Margin % of 10.30% is 69% above median its 10-year median of 6.11. The Banks industry median Net Margin % is 26.88. Tochigi Bank's value of 10.30% is 61.7% below this industry median. Based on the distribution chart, Tochigi Bank ranks #1100 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Tochigi Bank has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tochigi Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Tochigi Bank ranks #1100 out of 1527 companies for Net Margin %. This places Tochigi Bank in the lower half of its industry. The industry median Net Margin % is 26.88. Tochigi Bank's value of 10.30% is 61.7% below this benchmark. While the company's 10-year median is 6.11 vs. the industry median of 26.88, Tochigi 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. Tochigi Bank's current Net Margin % of 10.30% is 61.7% 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 Tochigi 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. Tochigi Bank's current Net Margin % is 10.30%, which is 69% above median its own 10-year median of 6.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tochigi Bank stock overvalued right now?
Based on GuruFocus' analysis, Tochigi Bank (TSE:8550) is currently considered Significantly Overvalued. The stock's GF Value™ is 円362.86, compared to a current price of 円1,009.00 — trading 178.1% above its estimated fair value. The current Net Margin % is 10.30%, which is 69% above median its 10-year median of 6.11 and 61.7% below the Banks industry median of 26.88. Tochigi Bank's overall GF Score™ is 47/100 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 Tochigi Bank (TSE:8550), the current Net Margin % is 10.30% 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 Tochigi Bank (TSE:8550) Overvalued in 2026?
Based on GuruFocus' analysis, Tochigi Bank stock appears to be overvalued.
The current stock price of 円1,009.00 is trading 178.1% above its estimated GF Value™ of 円362.86.
GuruFocus considers Tochigi Bank to be Significantly Overvalued.
Key valuation signals for TSE:8550:
Net Margin %: 10.30% (69% above median its 10-year median of 6.11)
GF Value™: 円362.86 vs. price of 円1,009.00 (178.1% above fair value)
Industry Position: 61.7% below the Banks median (#1100 of 1527)
No single metric tells the full story. See the TSE:8550 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tochigi Bank Ltd is a regional bank based in Tochigi. It provides commercial banking services such as deposit services, domestic and foreign exchange services, asset management plan service, mutual fund, money life support plan, brokerage agent intermediary service, life insurance, term insurance, housing loan, as well as the over-the-counter sale of insurance products. All the business activity of the group is primarily functioned through Japan.
47GF Score
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