Bank OfgaFSE:8395 51 Return-on-Tangible-Equity is 4.60% as of Mar. 2026, which is 10% above its 10-year median of 4.17. GuruFocus rates FSE:8395 with a GF Score™ of 51/100 and a GF Value™ of 円2,795.22. The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Bank Ofga ranks worse than 73.39% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bank Ofga's annualized net income for the quarter that ended in Mar. 2026 was 円5,636 Mil. Bank Ofga's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円122,476 Mil. Therefore, Bank Ofga's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.60%.
The historical rank and industry rank for Bank Ofga's Return-on-Tangible-Equity or its related term are showing as below:
FSE:8395'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.06 Med: 4.17 Max: 7.22
Current: 7.19
During the past 13 years, Bank Ofga's highest Return-on-Tangible-Equity was 7.22%. The lowest was 2.06%. And the median was 4.17%.
FSE:8395's Return-on-Tangible-Equity is ranked worse than 73.39% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs FSE:8395: 7.19
Bank Ofga (FSE:8395) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bank Ofga Return-on-Tangible-Equity Related Terms
Bank Ofga Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bank Ofga's Return-on-Tangible-Equity 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.
Bank Ofga Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Bank Ofga's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Bank Ofga Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ofga's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank Ofga's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.60% mean?
Bank Ofga (FSE:8395) has a Return-on-Tangible-Equity of 4.60% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Ofga and its competitors. This is 10% above median its historical median of 4.17. Over the past decade, Bank Ofga's Return-on-Tangible-Equity has ranged from 2.06 to 7.22. According to the industry distribution chart, Bank Ofga ranks #1117 out of 1522 companies in the Banks industry, placing it in the top 73.4%.
Is Bank Ofga's Return-on-Tangible-Equity too high?
Bank Ofga's current Return-on-Tangible-Equity of 4.60% is 10% above median its 10-year median of 4.17. Over the past 10 years, this metric has ranged from a low of 2.06 to a high of 7.22. The Banks industry median Return-on-Tangible-Equity is 11.19. Bank Ofga's value of 4.60% is 58.9% below this industry median. Based on the distribution chart, Bank Ofga ranks #1117 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Ofga has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Bank Ofga ranks #1117 out of 1522 companies for Return-on-Tangible-Equity. This places Bank Ofga in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Bank Ofga's value of 4.60% is 58.9% below this benchmark. Historically, Bank Ofga's own Return-on-Tangible-Equity has ranged from 2.06 to 7.22 over the past decade. While the company's 10-year median is 4.17 vs. the industry median of 11.19, Bank Ofga 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Ofga's current Return-on-Tangible-Equity of 4.60% is 58.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank Ofga and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Ofga's current Return-on-Tangible-Equity is 4.60%, which is 10% above median its own 10-year median of 4.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Bank Ofga (FSE:8395) has a current Return-on-Tangible-Equity of 4.60%. The stock's GF Value™ is 円2,795.22, compared to a current price of 円5,110.00 — trading 82.8% above its estimated fair value. The current Return-on-Tangible-Equity is 4.60%, which is 10% above median its 10-year median of 4.17 and 58.9% below the Banks industry median of 11.19. Bank Ofga's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bank Ofga (FSE:8395), the current Return-on-Tangible-Equity is 4.60% 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 Bank Ofga (FSE:8395) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued.
The current stock price of 円5,110.00 is trading 82.8% above its estimated GF Value™ of 円2,795.22.
Key valuation signals for FSE:8395:
Return-on-Tangible-Equity: 4.60% (10% above median its 10-year median of 4.17)
GF Value™: 円2,795.22 vs. price of 円5,110.00 (82.8% above fair value)
Industry Position: 58.9% below the Banks median (#1117 of 1522)
No single metric tells the full story. See the FSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
51GF Score
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