San-in Godo BankSGDBF 51 Return-on-Tangible-Equity is 7.33% as of Mar. 2026, which is 86% above its 10-year median of 3.94. GuruFocus rates SGDBF with a GF Score™ of 51/100 and a GF Value™ of $5.05. The stock has 6 warning signs investors should review. Among 1,526 Banks companies, San-in Godo Bank ranks worse than 73.33% 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. San-in Godo Bank's annualized net income for the quarter that ended in Mar. 2026 was $149.3 Mil. San-in Godo Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $2,035.4 Mil. Therefore, San-in Godo Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 7.33%.
The historical rank and industry rank for San-in Godo Bank's Return-on-Tangible-Equity or its related term are showing as below:
SGDBF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.65 Med: 3.94 Max: 7.23
Current: 7.19
During the past 13 years, San-in Godo Bank's highest Return-on-Tangible-Equity was 7.23%. The lowest was 2.65%. And the median was 3.94%.
SGDBF's Return-on-Tangible-Equity is ranked worse than 73.33% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs SGDBF: 7.19
San-in Godo Bank (OTCPK:SGDBF) 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.
San-in Godo Bank Return-on-Tangible-Equity Related Terms
San-in Godo Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for San-in Godo 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.
San-in Godo Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, San-in Godo 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.
San-in Godo Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, San-in Godo Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where San-in Godo 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 7.33% mean?
San-in Godo Bank (SGDBF) has a Return-on-Tangible-Equity of 7.33% 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 San-in Godo Bank and its competitors. This is 86% above median its historical median of 3.94. Over the past decade, San-in Godo Bank's Return-on-Tangible-Equity has ranged from 2.65 to 7.23. According to the industry distribution chart, San-in Godo Bank ranks #1119 out of 1526 companies in the Banks industry, placing it in the top 73.3%.
Is San-in Godo Bank's Return-on-Tangible-Equity too high?
San-in Godo Bank's current Return-on-Tangible-Equity of 7.33% is 86% above median its 10-year median of 3.94. Over the past 10 years, this metric has ranged from a low of 2.65 to a high of 7.23. The Banks industry median Return-on-Tangible-Equity is 11.20. San-in Godo Bank's value of 7.33% is 34.5% below this industry median. Based on the distribution chart, San-in Godo Bank ranks #1119 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, San-in Godo Bank has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does San-in Godo Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, San-in Godo Bank ranks #1119 out of 1526 companies for Return-on-Tangible-Equity. This places San-in Godo Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. San-in Godo Bank's value of 7.33% is 34.5% below this benchmark. Historically, San-in Godo Bank's own Return-on-Tangible-Equity has ranged from 2.65 to 7.23 over the past decade. While the company's 10-year median is 3.94 vs. the industry median of 11.20, San-in Godo 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 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. San-in Godo Bank's current Return-on-Tangible-Equity of 7.33% is 34.5% 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 San-in Godo Bank 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. San-in Godo Bank's current Return-on-Tangible-Equity is 7.33%, which is 86% above median its own 10-year median of 3.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San-in Godo Bank stock overvalued right now?
San-in Godo Bank (SGDBF) has a current Return-on-Tangible-Equity of 7.33%. The stock's GF Value™ is $5.05, compared to a current price of $8.58 — trading 69.9% above its estimated fair value. The current Return-on-Tangible-Equity is 7.33%, which is 86% above median its 10-year median of 3.94 and 34.5% below the Banks industry median of 11.20. San-in Godo Bank's overall GF Score™ is 51/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For San-in Godo Bank (SGDBF), the current Return-on-Tangible-Equity is 7.33% 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 San-in Godo Bank (SGDBF) Overvalued in 2026?
Based on GuruFocus' analysis, San-in Godo Bank stock appears to be overvalued.
The current stock price of $8.58 is trading 69.9% above its estimated GF Value™ of $5.05.
Key valuation signals for SGDBF:
Return-on-Tangible-Equity: 7.33% (86% above median its 10-year median of 3.94)
GF Value™: $5.05 vs. price of $8.58 (69.9% above fair value)
Industry Position: 34.5% below the Banks median (#1119 of 1526)
No single metric tells the full story. See the SGDBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San-in Godo Bank Ltd is a Japanese bank group that operates in the San-in region of western Honshu. It also has a presence in the neighboring Sanyo region and the Hyogo prefecture. The group has two reportable service segments: banking and leasing. Banking constitutes a majority of the group's activities and consists of a deposit, loan, securities investment, and exchange business. The group also engages in a credit guarantee business. Loans and bills discounted and securities constitute a majority of the bank's earning assets.
51GF Score
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