Hachijuni Nagano BankHACBY 56 PEG Ratio is 2.32 as of Jun. 30, 2026, which is 17% above its 10-year median of 1.98. 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 1,231 Banks companies, Hachijuni Nagano Bank ranks worse than 69.46% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Hachijuni Nagano Bank's PEG Ratio or its related term are showing as below:
HACBY'
s PEG Ratio Range Over the Past 10 Years
Min: 1 Med: 1.98 Max: 3.79
Current: 2.67
During the past 13 years, Hachijuni Nagano Bank's highest PEG Ratio was 3.79. The lowest was 1.00. And the median was 1.98.
HACBY's PEG Ratio is ranked worse than 69.46% of 1231
companies
in the Banks industry
Industry Median: 1.52
vs HACBY: 2.67
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Hachijuni Nagano Bank (OTCPK:HACBY) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Hachijuni Nagano Bank (HACBY) has a PEG Ratio of 2.32 as of Jun. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Hachijuni Nagano Bank and its competitors. This is 17% above median its historical median of 1.98. Over the past decade, Hachijuni Nagano Bank's PEG Ratio has ranged from 1.00 to 3.79. According to the industry distribution chart, Hachijuni Nagano Bank ranks #855 out of 1231 companies in the Banks industry, placing it in the top 69.5%.
Is Hachijuni Nagano Bank's PEG Ratio too high?
Hachijuni Nagano Bank's current PEG Ratio of 2.32 is 17% above median its 10-year median of 1.98. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 3.79. The Banks industry median PEG Ratio is 1.52. Hachijuni Nagano Bank's value of 2.32 is 52.6% above this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #855 out of 1231 companies in the Banks industry, which is below 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #855 out of 1231 companies for PEG Ratio. This places Hachijuni Nagano Bank in the lower half of its industry. The industry median PEG Ratio is 1.52. Hachijuni Nagano Bank's value of 2.32 is 52.6% above this benchmark. Historically, Hachijuni Nagano Bank's own PEG Ratio has ranged from 1.00 to 3.79 over the past decade. While the company's 10-year median is 1.98 vs. the industry median of 1.52, Hachijuni Nagano Bank has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hachijuni Nagano Bank's current PEG Ratio of 2.32 is 52.6% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Hachijuni Nagano Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hachijuni Nagano Bank's current PEG Ratio is 2.32, which is 17% above median its own 10-year median of 1.98. 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 PEG Ratio is 2.32, which is 17% above median its 10-year median of 1.98 and 52.6% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Hachijuni Nagano Bank (HACBY), the current PEG Ratio is 2.32 as of Jun. 30, 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:
PEG Ratio: 2.32 (17% above median its 10-year median of 1.98)
GF Value™: $18.50 vs. price of $27.21 (47.1% above fair value)
Industry Position: 52.6% above the Banks median (#855 of 1231)
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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