Shiga BankTSE:8366 +4.15%43 Pretax Margin % is 19.22% as of Mar. 2026, which is 21% below its 10-year median of 24.28. GuruFocus rates TSE:8366 with a GF Score™ of 43/100 and a GF Value™ of 円1,212.19 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Shiga Bank ranks worse than 74.84% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Shiga Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was 円5,577 Mil. Shiga Bank's Revenue for the
three
months ended in Mar. 2026 was 円29,022 Mil. Therefore, Shiga Bank's pretax margin for the quarter that ended in Mar. 2026 was 19.22%.
The historical rank and industry rank for Shiga Bank's Pretax Margin % or its related term are showing as below:
TSE:8366'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.76 Med: 24.28 Max: 25.65
Current: 23.67
TSE:8366's Pretax Margin % is ranked worse than 74.84% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs TSE:8366: 23.67
Shiga Bank (TSE:8366) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Shiga Bank Pretax Margin % Related Terms
Shiga Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Shiga Bank's Pretax Margin % 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, Shiga Bank's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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.
Shiga Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shiga Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Shiga Bank's Pretax Margin % 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.
Shiga Bank (TSE:8366) has a Pretax Margin % of 19.22% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Shiga Bank and its competitors. This is 21% below median its historical median of 24.28. Over the past decade, Shiga Bank's Pretax Margin % has ranged from 16.76 to 25.65. According to the industry distribution chart, Shiga Bank ranks #1145 out of 1530 companies in the Banks industry, placing it in the top 74.8%.
Is Shiga Bank's Pretax Margin % too high?
Shiga Bank's current Pretax Margin % of 19.22% is 21% below median its 10-year median of 24.28. Over the past 10 years, this metric has ranged from a low of 16.76 to a high of 25.65. The Banks industry median Pretax Margin % is 34.72. Shiga Bank's value of 19.22% is 44.6% below this industry median. Based on the distribution chart, Shiga Bank ranks #1145 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Shiga Bank has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shiga Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Shiga Bank ranks #1145 out of 1530 companies for Pretax Margin %. This places Shiga Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Shiga Bank's value of 19.22% is 44.6% below this benchmark. Historically, Shiga Bank's own Pretax Margin % has ranged from 16.76 to 25.65 over the past decade. While the company's 10-year median is 24.28 vs. the industry median of 34.72, Shiga 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shiga Bank's current Pretax Margin % of 19.22% is 44.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Shiga Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shiga Bank's current Pretax Margin % is 19.22%, which is 21% below median its own 10-year median of 24.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shiga Bank stock overvalued right now?
Based on GuruFocus' analysis, Shiga Bank (TSE:8366) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,212.19, compared to a current price of 円2,512.00 — trading 107.2% above its estimated fair value. The current Pretax Margin % is 19.22%, which is 21% below median its 10-year median of 24.28 and 44.6% below the Banks industry median of 34.72. Shiga Bank's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Shiga Bank (TSE:8366), the current Pretax Margin % is 19.22% as of Mar. 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 Shiga Bank (TSE:8366) Overvalued in 2026?
Based on GuruFocus' analysis, Shiga Bank stock appears to be overvalued.
The current stock price of 円2,512.00 is trading 107.2% above its estimated GF Value™ of 円1,212.19.
GuruFocus considers Shiga Bank to be Significantly Overvalued.
Key valuation signals for TSE:8366:
Pretax Margin %: 19.22% (21% below median its 10-year median of 24.28)
GF Value™: 円1,212.19 vs. price of 円2,512.00 (107.2% above fair value)
Industry Position: 44.6% below the Banks median (#1145 of 1530)
No single metric tells the full story. See the TSE:8366 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shiga Bank Ltd is a Japanese bank that has a majority of its deposit and loan portfolio targeting the Shiga prefecture. The bank's strategy emphasizes regional market penetration to build and grow its current customer base. Its corporate customer acquisition strategy attempts to leverage its financial intermediary functions. Its high-net-worth client acquisition strategy emphasizes pushing trust products and inheritance tax mitigation measures such as real estate. Loans on deeds constitute an overwhelming majority of its loan portfolio. The bank's deposit base, however, is split nearly evenly between ordinary and time deposits.
43GF Score
Get the complete analysis for TSE:8366
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:8366 has been successfully added to your 
