Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Miyazaki Taiyo BankFSE:8560 +0.46%57 PB Ratio is 0.27 as of Jul. 21, 2026, which is 80% above its 10-year median of 0.15. GuruFocus rates FSE:8560 with a GF Score™ of 57/100 and a GF Value™ of 円1,524.47 (Significantly Overvalued). Among 1,514 Banks companies, Miyazaki Taiyo Bank ranks better than 96.83% on this metric.
The historical rank and industry rank for Miyazaki Taiyo Bank's PB Ratio or its related term are showing as below:
FSE:8560'
s PB Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.15 Max: 0.34
Current: 0.27
During the past 13 years, Miyazaki Taiyo Bank's highest PB Ratio was 0.34. The lowest was 0.09. And the median was 0.15.
FSE:8560's PB Ratio is ranked better than 96.83% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs FSE:8560: 0.27
During the past 12 months, Miyazaki Taiyo Bank's average Book Value Per Share Growth Rate was 10.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Miyazaki Taiyo Bank was 43.40% per year. The lowest was -7.10% per year. And the median was 2.20% per year.
Back to Basics: PB Ratio
Miyazaki Taiyo Bank (FSE:8560) 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.
Miyazaki Taiyo Bank PB Ratio Related Terms
Miyazaki Taiyo Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Miyazaki Taiyo Bank's PB Ratio 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.
Miyazaki Taiyo Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Miyazaki Taiyo 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.
Miyazaki Taiyo Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Miyazaki Taiyo Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Miyazaki Taiyo 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.
Miyazaki Taiyo Bank (FSE:8560) has a PB Ratio of 0.27 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Miyazaki Taiyo Bank and its competitors. This is 80% above median its historical median of 0.15. Over the past decade, Miyazaki Taiyo Bank's PB Ratio has ranged from 0.09 to 0.34. According to the industry distribution chart, Miyazaki Taiyo Bank ranks #48 out of 1514 companies in the Banks industry, placing it in the top 3.2%.
Is Miyazaki Taiyo Bank's PB Ratio too high?
Miyazaki Taiyo Bank's current PB Ratio of 0.27 is 80% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.34. The Banks industry median PB Ratio is 1.11. Miyazaki Taiyo Bank's value of 0.27 is 75.7% below this industry median. Based on the distribution chart, Miyazaki Taiyo Bank ranks #48 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Miyazaki Taiyo 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 Miyazaki Taiyo Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Miyazaki Taiyo Bank ranks #48 out of 1514 companies for PB Ratio. This places Miyazaki Taiyo Bank in the top 3% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Miyazaki Taiyo Bank's value of 0.27 is 75.7% below this benchmark. Historically, Miyazaki Taiyo Bank's own PB Ratio has ranged from 0.09 to 0.34 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 1.11, Miyazaki Taiyo 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 1,514 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. Miyazaki Taiyo Bank's current PB Ratio of 0.27 is 75.7% 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 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 Miyazaki Taiyo 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. Miyazaki Taiyo Bank's current PB Ratio is 0.27, which is 80% above median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Miyazaki Taiyo Bank stock overvalued right now?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank (FSE:8560) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,524.47, compared to a current price of 円2,421.00 — trading 58.8% above its estimated fair value. The current PB Ratio is 0.27, which is 80% above median its 10-year median of 0.15 and 75.7% below the Banks industry median of 1.11. Miyazaki Taiyo Bank's overall GF Score™ is 57/100. 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 Miyazaki Taiyo Bank (FSE:8560), the current PB Ratio is 0.27 as of Jul. 21, 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 Miyazaki Taiyo Bank (FSE:8560) Overvalued in 2026?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank stock appears to be overvalued.
The current stock price of 円2,421.00 is trading 58.8% above its estimated GF Value™ of 円1,524.47.
GuruFocus considers Miyazaki Taiyo Bank to be Significantly Overvalued.
Key valuation signals for FSE:8560:
PB Ratio: 0.27 (80% above median its 10-year median of 0.15)
GF Value™: 円1,524.47 vs. price of 円2,421.00 (58.8% above fair value)
Industry Position: 75.7% below the Banks median (#48 of 1514)
No single metric tells the full story. See the FSE:8560 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Miyazaki Taiyo Bank Ltd provides commercial banking services including deposits, loans, and foreign exchange transactions in Japan. It operates in three segments: Banking, Outsourcing, and Leasing and Assurance. The company accepts Yen and foreign currency deposits; and offers mutual funds, JGBs, insurance products, and debit cards. It also provides card, free, conclusion, car, education, housing, business support, business, partner, and agricultural equipment loans.
57GF Score
Get the complete analysis for FSE:8560
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSE:8560 has been successfully added to your 
