Hyakugo BankNGO:8368 51 PB Ratio is 0.95 as of Jul. 09, 2026, which is 228% above its 10-year median of 0.29. GuruFocus rates NGO:8368 with a GF Score™ of 51/100 and a GF Value™ of 円887.29 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Hyakugo Bank ranks better than 60.22% on this metric.
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. As of today (2026-07-09), Hyakugo Bank's share price is 円2031.00. Hyakugo Bank's Book Value per Share for the quarter that ended in Mar. 2026 was 円2,129.04. Hence, Hyakugo Bank's PB Ratio of today is 0.95.
Warning Sign:
Hyakugo Bank Ltd stock PB Ratio (=0.98) is close to 10-year high of 0.98.
The historical rank and industry rank for Hyakugo Bank's PB Ratio or its related term are showing as below:
NGO:8368'
s PB Ratio Range Over the Past 10 Years
Min: 0.17 Med: 0.29 Max: 0.98
Current: 0.98
During the past 13 years, Hyakugo Bank's highest PB Ratio was 0.98. The lowest was 0.17. And the median was 0.29.
NGO:8368's PB Ratio is ranked better than 60.22% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs NGO:8368: 0.98
During the past 12 months, Hyakugo Bank's average Book Value Per Share Growth Rate was 20.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hyakugo Bank was 13.20% per year. The lowest was -6.00% per year. And the median was 4.20% per year.
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.
Hyakugo Bank PB Ratio Related Terms
Hyakugo Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Hyakugo 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.
For the Banks - Regional subindustry, Hyakugo 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.
Hyakugo Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hyakugo Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hyakugo 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.
Hyakugo Bank's PB Ratio for today is calculated as follows:
* 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.
Hyakugo Bank (NGO:8368) has a PB Ratio of 0.95 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hyakugo Bank and its competitors. This is 228% above median its historical median of 0.29. Over the past decade, Hyakugo Bank's PB Ratio has ranged from 0.17 to 0.98. According to the industry distribution chart, Hyakugo Bank ranks #603 out of 1516 companies in the Banks industry, placing it in the top 39.8%.
Is Hyakugo Bank's PB Ratio too high?
Hyakugo Bank's current PB Ratio of 0.95 is 228% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.98. The Banks industry median PB Ratio is 1.09. Hyakugo Bank's value of 0.95 is 12.8% below this industry median. Based on the distribution chart, Hyakugo Bank ranks #603 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Hyakugo Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Hyakugo Bank ranks #603 out of 1516 companies for PB Ratio. This puts Hyakugo Bank in the upper half of its industry. The industry median PB Ratio is 1.09. Hyakugo Bank's value of 0.95 is 12.8% below this benchmark. Historically, Hyakugo Bank's own PB Ratio has ranged from 0.17 to 0.98 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 1.09, Hyakugo 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 1,516 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. Hyakugo Bank's current PB Ratio of 0.95 is 12.8% 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 Hyakugo 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. Hyakugo Bank's current PB Ratio is 0.95, which is 228% above median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Based on GuruFocus' analysis, Hyakugo Bank (NGO:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円887.29, compared to a current price of 円2,031.00 — trading 128.9% above its estimated fair value. The current PB Ratio is 0.95, which is 228% above median its 10-year median of 0.29 and 12.8% below the Banks industry median of 1.09. Hyakugo Bank's overall GF Score™ is 51/100 with 5 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 Hyakugo Bank (NGO:8368), the current PB Ratio is 0.95 as of Jul. 09, 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 Hyakugo Bank (NGO:8368) Overvalued in 2026?
Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued.
The current stock price of 円2,031.00 is trading 128.9% above its estimated GF Value™ of 円887.29.
GuruFocus considers Hyakugo Bank to be Significantly Overvalued.
Key valuation signals for NGO:8368:
PB Ratio: 0.95 (228% above median its 10-year median of 0.29)
GF Value™: 円887.29 vs. price of 円2,031.00 (128.9% above fair value)
Industry Position: 12.8% below the Banks median (#603 of 1516)
No single metric tells the full story. See the NGO:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
51GF Score
Get the complete analysis for NGO:8368
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
NGO:8368 has been successfully added to your 
