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Ehime BankTSE:8541 -2.61%52 Return-on-Tangible-Asset is 0.29% as of Mar. 2026, which is 38% above its 10-year median of 0.21. GuruFocus rates TSE:8541 with a GF Score™ of 52/100 and a GF Value™ of 円1,246.96 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Ehime Bank ranks worse than 89.14% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Ehime Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was 円8,856 Mil. Ehime Bank's average total tangible assets for the quarter that ended in Mar. 2026 was 円3,015,981 Mil. Therefore, Ehime Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.29%.
The historical rank and industry rank for Ehime Bank's Return-on-Tangible-Asset or its related term are showing as below:
TSE:8541'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.18 Med: 0.21 Max: 0.24
Current: 0.24
During the past 13 years, Ehime Bank's highest Return-on-Tangible-Asset was 0.24%. The lowest was 0.18%. And the median was 0.21%.
TSE:8541's Return-on-Tangible-Asset is ranked worse than 89.14% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs TSE:8541: 0.24
Ehime Bank (TSE:8541) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Ehime Bank Return-on-Tangible-Asset Related Terms
Ehime Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Ehime Bank's Return-on-Tangible-Asset 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.
Ehime Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Ehime Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Ehime Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ehime Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Ehime Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.29% mean?
Ehime Bank (TSE:8541) has a Return-on-Tangible-Asset of 0.29% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ehime Bank and its competitors. This is 38% above median its historical median of 0.21. Over the past decade, Ehime Bank's Return-on-Tangible-Asset has ranged from 0.18 to 0.24. According to the industry distribution chart, Ehime Bank ranks #1362 out of 1528 companies in the Banks industry, placing it in the top 89.1%.
Is Ehime Bank's Return-on-Tangible-Asset too high?
Ehime Bank's current Return-on-Tangible-Asset of 0.29% is 38% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.24. The Banks industry median Return-on-Tangible-Asset is 1.01. Ehime Bank's value of 0.29% is 71.3% below this industry median. Based on the distribution chart, Ehime Bank ranks #1362 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ehime Bank has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ehime Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Ehime Bank ranks #1362 out of 1528 companies for Return-on-Tangible-Asset. This places Ehime Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Ehime Bank's value of 0.29% is 71.3% below this benchmark. Historically, Ehime Bank's own Return-on-Tangible-Asset has ranged from 0.18 to 0.24 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 1.01, Ehime 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ehime Bank's current Return-on-Tangible-Asset of 0.29% is 71.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ehime Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ehime Bank's current Return-on-Tangible-Asset is 0.29%, which is 38% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ehime Bank stock overvalued right now?
Based on GuruFocus' analysis, Ehime Bank (TSE:8541) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,246.96, compared to a current price of 円2,720.00 — trading 118.1% above its estimated fair value. The current Return-on-Tangible-Asset is 0.29%, which is 38% above median its 10-year median of 0.21 and 71.3% below the Banks industry median of 1.01. Ehime Bank's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Ehime Bank (TSE:8541), the current Return-on-Tangible-Asset is 0.29% 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 Ehime Bank (TSE:8541) Overvalued in 2026?
Based on GuruFocus' analysis, Ehime Bank stock appears to be overvalued.
The current stock price of 円2,720.00 is trading 118.1% above its estimated GF Value™ of 円1,246.96.
GuruFocus considers Ehime Bank to be Significantly Overvalued.
Key valuation signals for TSE:8541:
Return-on-Tangible-Asset: 0.29% (38% above median its 10-year median of 0.21)
GF Value™: 円1,246.96 vs. price of 円2,720.00 (118.1% above fair value)
Industry Position: 71.3% below the Banks median (#1362 of 1528)
No single metric tells the full story. See the TSE:8541 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ehime Bank Ltd is engaged in the provision of banking products and financial services in Japan. The bank offers deposits such as time, savings and property, savings and current accounts, and loans. In addition, it offers various insurance services including term and life, property, corporate business and medical insurance. The bank also renders services comprising of mutual fund, government bond, and other financial product brokerage business.
52GF Score
Get the complete analysis for TSE:8541
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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