Howa Bank (FSE:8559) GF Value Rank: 10 (As of Aug. 10, 2026) — 25% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSE:8559 Howa Bank Ltd FSE:8559
55 GF Score
Price 円478.00
GF Value 円533.48
Valuation Modestly Undervalued
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What is Howa Bank GF Value Rank?

Howa Bank FSE:8559 +0.63% 55 GF Value Rank is 10 as of Aug. 10, 2026, which is 25% above its 10-year median of 8.00. GuruFocus rates FSE:8559 with a GF Score™ of 55/100 and a GF Value™ of 円533.48 (Modestly Undervalued).

Howa Bank has the GF Value Rank of 10.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Howa Bank GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Howa Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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.

Howa Bank GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Howa Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Howa Bank's GF Value Rank falls into.


FSE:8559
55GF Score
Howa Bank Ltd FSE:8559
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 10 mean?
Howa Bank (FSE:8559) has a GF Value Rank of 10 as of Aug. 10, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Howa Bank and its competitors. This is 25% above median its historical median of 8.00. Over the past decade, Howa Bank's GF Value Rank has ranged from 1.00 to 10.00.
Is Howa Bank's GF Value Rank too high?
Howa Bank's current GF Value Rank of 10 is 25% above median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Howa Bank has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's GF Value Rank compare to competitors?
Howa Bank's GF Value Rank of 10 can be compared against companies in the Banks industry. Historically, Howa Bank's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Howa Bank and its competitors. Howa Bank's current GF Value Rank is 10, which is 25% above median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円533.48, compared to a current price of 円478.00 — trading 10.4% below its estimated fair value. The current GF Value Rank is 10, which is 25% above median its 10-year median of 8.00. Howa Bank's overall GF Score™ is 55/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current GF Value Rank is 10 as of Aug. 10, 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円478.00 is trading 10.4% below its estimated GF Value™ of 円533.48. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • GF Value Rank: 10 (25% above median its 10-year median of 8.00)
  • GF Value™: 円533.48 vs. price of 円478.00 (10.4% below fair value)
  • GF Score™: 55/100

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
55GF Score

Get the complete analysis for FSE:8559

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円478.00
Price
円533.48
GF Value