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.
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.
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. Towa Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was 円-112,088 Mil. Towa Bank's average total tangible assets for the quarter that ended in Mar. 2026 was 円2,419,564 Mil. Therefore, Towa Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -4.63%.
The historical rank and industry rank for Towa Bank's Return-on-Tangible-Asset or its related term are showing as below:
TSE:8558'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.02 Med: 0.16 Max: 0.49
Current: -1.02
During the past 13 years, Towa Bank's highest Return-on-Tangible-Asset was 0.49%. The lowest was -1.02%. And the median was 0.16%.
TSE:8558's Return-on-Tangible-Asset is ranked worse than 97.84% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs TSE:8558: -1.02
Towa Bank (TSE:8558) 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.
Towa Bank Return-on-Tangible-Asset Related Terms
Towa Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Towa 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.
Towa Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Towa 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.
Towa Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Towa Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Towa 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 -4.63% mean?
Towa Bank (TSE:8558) has a Return-on-Tangible-Asset of -4.63% 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 Towa Bank and its competitors. According to the industry distribution chart, Towa Bank ranks #1495 out of 1528 companies in the Banks industry, placing it in the top 97.8%.
Is Towa Bank's Return-on-Tangible-Asset too high?
Towa Bank's current Return-on-Tangible-Asset is -4.63%. Based on the distribution chart, Towa Bank ranks #1495 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Towa Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Towa Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Towa Bank ranks #1495 out of 1528 companies for Return-on-Tangible-Asset. This places Towa Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. 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. 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 Towa 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. Towa Bank's current Return-on-Tangible-Asset is -4.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Towa Bank stock overvalued right now?
Based on GuruFocus' analysis, Towa Bank (TSE:8558) is currently considered Significantly Overvalued. The stock's GF Value™ is 円849.27, compared to a current price of 円1,327.00 — trading 56.3% above its estimated fair value. The current Return-on-Tangible-Asset is -4.63%. Towa Bank's overall GF Score™ is 51/100 with 5 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 Towa Bank (TSE:8558), the current Return-on-Tangible-Asset is -4.63% 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 Towa Bank (TSE:8558) Overvalued in 2026?
Based on GuruFocus' analysis, Towa Bank stock appears to be overvalued.
The current stock price of 円1,327.00 is trading 56.3% above its estimated GF Value™ of 円849.27.
GuruFocus considers Towa Bank to be Significantly Overvalued.
Key valuation signals for TSE:8558:
Return-on-Tangible-Asset: -4.63%
GF Value™: 円849.27 vs. price of 円1,327.00 (56.3% above fair value)
No single metric tells the full story. See the TSE:8558 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Towa Bank Ltd is a regional bank that provides banking and financial services. Its banking services includes deposits, loans, and foreign exchange transaction.
51GF Score
Get the complete analysis for TSE:8558
Return-on-Tangible-Asset 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:8558 has been successfully added to your 
