Shizuoka Financial GroupSFGIF +15.42%41 Return-on-Tangible-Equity is 6.76% as of Mar. 2026, which is 18% above its 10-year median of 5.73. GuruFocus rates SFGIF with a GF Scoreâ„¢ of 41/100 and a GF Valueâ„¢ of $11.40 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Shizuoka Financial Group ranks worse than 70.72% 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. Shizuoka Financial Group's annualized net income for the quarter that ended in Mar. 2026 was $524 Mil. Shizuoka Financial Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $7,748 Mil. Therefore, Shizuoka Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.76%.
The historical rank and industry rank for Shizuoka Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
SFGIF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.74 Med: 5.73 Max: 7.68
Current: 7.59
During the past 4 years, Shizuoka Financial Group's highest Return-on-Tangible-Equity was 7.68%. The lowest was 4.74%. And the median was 5.73%.
SFGIF's Return-on-Tangible-Equity is ranked worse than 70.72% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs SFGIF: 7.59
Shizuoka Financial Group (OTCPK:SFGIF) 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.
Shizuoka Financial Group Return-on-Tangible-Equity Related Terms
Shizuoka Financial Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Shizuoka Financial Group'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.
Shizuoka Financial Group Return-on-Tangible-Equity Chart
Shizuoka Financial Group Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Shizuoka Financial Group'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.
Shizuoka Financial Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Shizuoka Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Shizuoka Financial Group'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 6.76% mean?
Shizuoka Financial Group (SFGIF) has a Return-on-Tangible-Equity of 6.76% 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 Shizuoka Financial Group and its competitors. This is 18% above median its historical median of 5.73. Over the past decade, Shizuoka Financial Group's Return-on-Tangible-Equity has ranged from 4.74 to 7.68. According to the industry distribution chart, Shizuoka Financial Group ranks #1077 out of 1523 companies in the Banks industry, placing it in the top 70.7%.
Is Shizuoka Financial Group's Return-on-Tangible-Equity too high?
Shizuoka Financial Group's current Return-on-Tangible-Equity of 6.76% is 18% above median its 10-year median of 5.73. Over the past 10 years, this metric has ranged from a low of 4.74 to a high of 7.68. The Banks industry median Return-on-Tangible-Equity is 11.20. Shizuoka Financial Group's value of 6.76% is 39.6% below this industry median. Based on the distribution chart, Shizuoka Financial Group ranks #1077 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Shizuoka Financial Group has a GF Scoreâ„¢ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shizuoka Financial Group's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Shizuoka Financial Group ranks #1077 out of 1523 companies for Return-on-Tangible-Equity. This places Shizuoka Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Shizuoka Financial Group's value of 6.76% is 39.6% below this benchmark. Historically, Shizuoka Financial Group's own Return-on-Tangible-Equity has ranged from 4.74 to 7.68 over the past decade. While the company's 10-year median is 5.73 vs. the industry median of 11.20, Shizuoka Financial Group 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 11.20, based on 1,523 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. Shizuoka Financial Group's current Return-on-Tangible-Equity of 6.76% is 39.6% 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 Shizuoka Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shizuoka Financial Group's current Return-on-Tangible-Equity is 6.76%, which is 18% above median its own 10-year median of 5.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shizuoka Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Shizuoka Financial Group (SFGIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.40, compared to a current price of $16.56 — trading 45.3% above its estimated fair value. The current Return-on-Tangible-Equity is 6.76%, which is 18% above median its 10-year median of 5.73 and 39.6% below the Banks industry median of 11.20. Shizuoka Financial Group's overall GF Score™ is 41/100 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 Shizuoka Financial Group (SFGIF), the current Return-on-Tangible-Equity is 6.76% 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 Shizuoka Financial Group (SFGIF) Overvalued in 2026?
Based on GuruFocus' analysis, Shizuoka Financial Group stock appears to be overvalued.
The current stock price of $16.56 is trading 45.3% above its estimated GF Value™ of $11.40.
GuruFocus considers Shizuoka Financial Group to be Significantly Overvalued.
Key valuation signals for SFGIF:
Return-on-Tangible-Equity: 6.76% (18% above median its 10-year median of 5.73)
GF Value™: $11.40 vs. price of $16.56 (45.3% above fair value)
Industry Position: 39.6% below the Banks median (#1077 of 1523)
No single metric tells the full story. See the SFGIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shizuoka Financial Group Inc is a Japan-based company engaged in providing financial services. It operates through two reportable segments: Banking and Leasing. The Banking segment includes deposit services, lending, securities investment, and foreign exchange operations. The Leasing segment is involved in leasing services and related financial transactions. It generates the majority of its revenue from the Banking segment.
41GF Score
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