Hachijuni Nagano BankHACBY 56 PB Ratio is 0.85 as of Jun. 29, 2026, which is 150% above its 10-year median of 0.34. GuruFocus rates HACBY with a GF Score™ of 56/100 and a GF Value™ of $18.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,519 Banks companies, Hachijuni Nagano Bank ranks better than 63.2% on this metric.
Hachijuni Nagano Bank Ltd stock PB Ratio (=0.94) is close to 10-year high of 0.94.
The historical rank and industry rank for Hachijuni Nagano Bank's PB Ratio or its related term are showing as below:
HACBY'
s PB Ratio Range Over the Past 10 Years
Min: 0.19 Med: 0.34 Max: 0.94
Current: 0.94
During the past 13 years, Hachijuni Nagano Bank's highest PB Ratio was 0.94. The lowest was 0.19. And the median was 0.34.
HACBY's PB Ratio is ranked better than 63.2% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs HACBY: 0.94
During the past 12 months, Hachijuni Nagano Bank's average Book Value Per Share Growth Rate was 21.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hachijuni Nagano Bank was 12.70% per year. The lowest was 0.80% per year. And the median was 7.50% per year.
Back to Basics: PB Ratio
Hachijuni Nagano Bank (OTCPK:HACBY) 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.
Hachijuni Nagano Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano 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.
Hachijuni Nagano Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano 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.
Hachijuni Nagano Bank (HACBY) has a PB Ratio of 0.85 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hachijuni Nagano Bank and its competitors. This is 150% above median its historical median of 0.34. Over the past decade, Hachijuni Nagano Bank's PB Ratio has ranged from 0.19 to 0.94. According to the industry distribution chart, Hachijuni Nagano Bank ranks #559 out of 1519 companies in the Banks industry, placing it in the top 36.8%.
Is Hachijuni Nagano Bank's PB Ratio too high?
Hachijuni Nagano Bank's current PB Ratio of 0.85 is 150% above median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.94. The Banks industry median PB Ratio is 1.09. Hachijuni Nagano Bank's value of 0.85 is 22% below this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #559 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Hachijuni Nagano Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #559 out of 1519 companies for PB Ratio. This puts Hachijuni Nagano Bank in the upper half of its industry. The industry median PB Ratio is 1.09. Hachijuni Nagano Bank's value of 0.85 is 22% below this benchmark. Historically, Hachijuni Nagano Bank's own PB Ratio has ranged from 0.19 to 0.94 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 1.09, Hachijuni Nagano 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 1.09, based on 1,519 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. Hachijuni Nagano Bank's current PB Ratio of 0.85 is 22% 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 Hachijuni Nagano Bank and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hachijuni Nagano Bank's current PB Ratio is 0.85, which is 150% above median its own 10-year median of 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.50, compared to a current price of $27.21 — trading 47.1% above its estimated fair value. The current PB Ratio is 0.85, which is 150% above median its 10-year median of 0.34 and 22% below the Banks industry median of 1.09. Hachijuni Nagano Bank's overall GF Score™ is 56/100 with 6 warning signs 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 Hachijuni Nagano Bank (HACBY), the current PB Ratio is 0.85 as of Jun. 29, 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of $27.21 is trading 47.1% above its estimated GF Value™ of $18.50.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
PB Ratio: 0.85 (150% above median its 10-year median of 0.34)
GF Value™: $18.50 vs. price of $27.21 (47.1% above fair value)
Industry Position: 22% below the Banks median (#559 of 1519)
No single metric tells the full story. See the HACBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
56GF Score
Get the complete analysis for HACBY
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