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The Minami-Nippon BankFSE:8554 +1.17%57 PB Ratio is 0.22 as of Jul. 14, 2026, which is 38% above its 10-year median of 0.16. GuruFocus rates FSE:8554 with a GF Score™ of 57/100 and a GF Value™ of 円857.80 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, The Minami-Nippon Bank ranks better than 97.76% on this metric.
The historical rank and industry rank for The Minami-Nippon Bank's PB Ratio or its related term are showing as below:
FSE:8554'
s PB Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.16 Max: 0.31
Current: 0.22
During the past 13 years, The Minami-Nippon Bank's highest PB Ratio was 0.31. The lowest was 0.09. And the median was 0.16.
FSE:8554's PB Ratio is ranked better than 97.76% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs FSE:8554: 0.22
During the past 12 months, The Minami-Nippon Bank's average Book Value Per Share Growth Rate was 12.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of The Minami-Nippon Bank was 7.90% per year. The lowest was -7.00% per year. And the median was 3.40% per year.
Back to Basics: PB Ratio
The Minami-Nippon Bank (FSE:8554) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 Minami-Nippon Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, The Minami-Nippon Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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 Minami-Nippon Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, The Minami-Nippon Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where The Minami-Nippon Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
The Minami-Nippon Bank (FSE:8554) has a PB Ratio of 0.22 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on The Minami-Nippon Bank and its competitors. This is 38% above median its historical median of 0.16. Over the past decade, The Minami-Nippon Bank's PB Ratio has ranged from 0.09 to 0.31. According to the industry distribution chart, The Minami-Nippon Bank ranks #34 out of 1520 companies in the Banks industry, placing it in the top 2.2%.
Is The Minami-Nippon Bank's PB Ratio too high?
The Minami-Nippon Bank's current PB Ratio of 0.22 is 38% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.31. The Banks industry median PB Ratio is 1.11. The Minami-Nippon Bank's value of 0.22 is 80.2% below this industry median. Based on the distribution chart, The Minami-Nippon Bank ranks #34 out of 1520 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, The Minami-Nippon Bank has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Minami-Nippon Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, The Minami-Nippon Bank ranks #34 out of 1520 companies for PB Ratio. This places The Minami-Nippon Bank in the top 2% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. The Minami-Nippon Bank's value of 0.22 is 80.2% below this benchmark. Historically, The Minami-Nippon Bank's own PB Ratio has ranged from 0.09 to 0.31 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 1.11, The Minami-Nippon 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Minami-Nippon Bank's current PB Ratio of 0.22 is 80.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on The Minami-Nippon Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Minami-Nippon Bank's current PB Ratio is 0.22, which is 38% above median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Minami-Nippon Bank stock overvalued right now?
Based on GuruFocus' analysis, The Minami-Nippon Bank (FSE:8554) is currently considered Significantly Overvalued. The stock's GF Value™ is 円857.80, compared to a current price of 円1,302.00 — trading 51.8% above its estimated fair value. The current PB Ratio is 0.22, which is 38% above median its 10-year median of 0.16 and 80.2% below the Banks industry median of 1.11. The Minami-Nippon Bank's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For The Minami-Nippon Bank (FSE:8554), the current PB Ratio is 0.22 as of Jul. 14, 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 Minami-Nippon Bank (FSE:8554) Overvalued in 2026?
Based on GuruFocus' analysis, The Minami-Nippon Bank stock appears to be overvalued.
The current stock price of 円1,302.00 is trading 51.8% above its estimated GF Value™ of 円857.80.
GuruFocus considers The Minami-Nippon Bank to be Significantly Overvalued.
Key valuation signals for FSE:8554:
PB Ratio: 0.22 (38% above median its 10-year median of 0.16)
GF Value™: 円857.80 vs. price of 円1,302.00 (51.8% above fair value)
Industry Position: 80.2% below the Banks median (#34 of 1520)
No single metric tells the full story. See the FSE:8554 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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