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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. Miyazaki Taiyo Bank's annualized net income for the quarter that ended in Mar. 2026 was 円-812 Mil. Miyazaki Taiyo Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円45,962 Mil. Therefore, Miyazaki Taiyo Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -1.77%.
The historical rank and industry rank for Miyazaki Taiyo Bank's Return-on-Tangible-Equity or its related term are showing as below:
FSE:8560'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.26 Med: 3.12 Max: 6.47
Current: 3.86
During the past 13 years, Miyazaki Taiyo Bank's highest Return-on-Tangible-Equity was 6.47%. The lowest was 2.26%. And the median was 3.12%.
FSE:8560's Return-on-Tangible-Equity is ranked worse than 87.36% of 1519
companies
in the Banks industry
Industry Median: 11.48
vs FSE:8560: 3.86
Miyazaki Taiyo Bank (FSE:8560) 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.
Miyazaki Taiyo Bank Return-on-Tangible-Equity Related Terms
Miyazaki Taiyo Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Miyazaki Taiyo Bank'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.
Miyazaki Taiyo Bank Return-on-Tangible-Equity Chart
Miyazaki Taiyo Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Miyazaki Taiyo Bank'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.
Miyazaki Taiyo Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Miyazaki Taiyo Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Miyazaki Taiyo Bank'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 -1.77% mean?
Miyazaki Taiyo Bank (FSE:8560) has a Return-on-Tangible-Equity of -1.77% 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 Miyazaki Taiyo Bank and its competitors. Over the past decade, Miyazaki Taiyo Bank's Return-on-Tangible-Equity has ranged from 2.26 to 6.47. According to the industry distribution chart, Miyazaki Taiyo Bank ranks #1327 out of 1519 companies in the Banks industry, placing it in the top 87.4%.
Is Miyazaki Taiyo Bank's Return-on-Tangible-Equity too high?
Miyazaki Taiyo Bank's current Return-on-Tangible-Equity is -1.77%. Over the past 10 years, this metric has ranged from a low of 2.26 to a high of 6.47. Based on the distribution chart, Miyazaki Taiyo Bank ranks #1327 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Miyazaki Taiyo Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Miyazaki Taiyo Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Miyazaki Taiyo Bank ranks #1327 out of 1519 companies for Return-on-Tangible-Equity. This places Miyazaki Taiyo Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.48. Historically, Miyazaki Taiyo Bank's own Return-on-Tangible-Equity has ranged from 2.26 to 6.47 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.48, based on 1,519 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. 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 Miyazaki Taiyo Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Miyazaki Taiyo Bank's current Return-on-Tangible-Equity is -1.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Miyazaki Taiyo Bank stock overvalued right now?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank (FSE:8560) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,541.18, compared to a current price of 円2,533.00 — trading 64.4% above its estimated fair value. The current Return-on-Tangible-Equity is -1.77%. Miyazaki Taiyo Bank's overall GF Score™ is 54/100 with 1 warning sign 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 Miyazaki Taiyo Bank (FSE:8560), the current Return-on-Tangible-Equity is -1.77% 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 Miyazaki Taiyo Bank (FSE:8560) Overvalued in 2026?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank stock appears to be overvalued.
The current stock price of 円2,533.00 is trading 64.4% above its estimated GF Value™ of 円1,541.18.
GuruFocus considers Miyazaki Taiyo Bank to be Significantly Overvalued.
Key valuation signals for FSE:8560:
Return-on-Tangible-Equity: -1.77%
GF Value™: 円1,541.18 vs. price of 円2,533.00 (64.4% above fair value)
No single metric tells the full story. See the FSE:8560 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Miyazaki Taiyo Bank Ltd provides commercial banking services including deposits, loans, and foreign exchange transactions in Japan. It operates in three segments: Banking, Outsourcing, and Leasing and Assurance. The company accepts Yen and foreign currency deposits; and offers mutual funds, JGBs, insurance products, and debit cards. It also provides card, free, conclusion, car, education, housing, business support, business, partner, and agricultural equipment loans.
54GF Score
Get the complete analysis for FSE:8560
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