Hachijuni Nagano BankHACBY 56 PS Ratio is 3.92 as of Jul. 03, 2026, which is 135% above its 10-year median of 1.67. GuruFocus rates HACBY with a GF Score™ of 56/100 and a GF Value™ of $20.27 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Hachijuni Nagano Bank ranks worse than 79.3% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Hachijuni Nagano Bank's share price is $27.21.
Hachijuni Nagano Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $6.95. Hence, Hachijuni Nagano Bank's PS Ratio for today is 3.92.
Warning Sign:
Hachijuni Nagano Bank Ltd stock PS Ratio (=4.55) is close to 10-year high of 4.56.
The historical rank and industry rank for Hachijuni Nagano Bank's PS Ratio or its related term are showing as below:
HACBY'
s PS Ratio Range Over the Past 10 Years
Min: 1.03 Med: 1.67 Max: 4.56
Current: 4.56
During the past 13 years, Hachijuni Nagano Bank's highest PS Ratio was 4.56. The lowest was 1.03. And the median was 1.67.
HACBY's PS Ratio is ranked worse than 79.3% of 1517
companies
in the Banks industry
Industry Median: 3
vs HACBY: 4.56
During the past 12 months, the average Revenue per Share Growth Rate of Hachijuni Nagano Bank was 25.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 13.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 12.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 3.60% per year.
During the past 13 years, Hachijuni Nagano Bank's highest 3-Year average Revenue per Share Growth Rate was 13.80% per year. The lowest was -7.50% per year. And the median was 1.80% per year.
Back to Basics: PS Ratio
Hachijuni Nagano Bank (OTCPK:HACBY) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Hachijuni Nagano Bank's Share Price of today is $27.21. Hachijuni Nagano Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.95.
* 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:
Hachijuni Nagano Bank (HACBY) has a PS Ratio of 3.92 as of Jul. 03, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hachijuni Nagano Bank and its competitors. This is 135% above median its historical median of 1.67. Over the past decade, Hachijuni Nagano Bank's PS Ratio has ranged from 1.03 to 4.56. According to the industry distribution chart, Hachijuni Nagano Bank ranks #1203 out of 1517 companies in the Banks industry, placing it in the top 79.3%.
Is Hachijuni Nagano Bank's PS Ratio too high?
Hachijuni Nagano Bank's current PS Ratio of 3.92 is 135% above median its 10-year median of 1.67. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 4.56. The Banks industry median PS Ratio is 3.00. Hachijuni Nagano Bank's value of 3.92 is 30.7% above this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #1203 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PS Ratio compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #1203 out of 1517 companies for PS Ratio. This places Hachijuni Nagano Bank in the lower half of its industry. The industry median PS Ratio is 3.00. Hachijuni Nagano Bank's value of 3.92 is 30.7% above this benchmark. Historically, Hachijuni Nagano Bank's own PS Ratio has ranged from 1.03 to 4.56 over the past decade. While the company's 10-year median is 1.67 vs. the industry median of 3.00, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.00, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hachijuni Nagano Bank's current PS Ratio of 3.92 is 30.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hachijuni Nagano Bank and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hachijuni Nagano Bank's current PS Ratio is 3.92, which is 135% above median its own 10-year median of 1.67. 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 $20.27, compared to a current price of $27.21 — trading 34.2% above its estimated fair value. The current PS Ratio is 3.92, which is 135% above median its 10-year median of 1.67 and 30.7% above the Banks industry median of 3.00. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Hachijuni Nagano Bank (HACBY), the current PS Ratio is 3.92 as of Jul. 03, 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 34.2% above its estimated GF Value™ of $20.27.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
PS Ratio: 3.92 (135% above median its 10-year median of 1.67)
GF Value™: $20.27 vs. price of $27.21 (34.2% above fair value)
Industry Position: 30.7% above the Banks median (#1203 of 1517)
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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