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The First Bank of ToyamaTSE:7184 +0.99%52 Return-on-Tangible-Equity is 8.35% as of Mar. 2026, which is 116% above its 10-year median of 3.87. GuruFocus rates TSE:7184 with a GF Score™ of 52/100 and a GF Value™ of 円1,381.13 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, The First Bank of Toyama ranks worse than 65.15% 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. The First Bank of Toyama's annualized net income for the quarter that ended in Mar. 2026 was 円15,504 Mil. The First Bank of Toyama's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円185,595 Mil. Therefore, The First Bank of Toyama's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.35%.
The historical rank and industry rank for The First Bank of Toyama's Return-on-Tangible-Equity or its related term are showing as below:
TSE:7184'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.29 Med: 3.87 Max: 8.95
Current: 8.65
During the past 12 years, The First Bank of Toyama's highest Return-on-Tangible-Equity was 8.95%. The lowest was 2.29%. And the median was 3.87%.
TSE:7184's Return-on-Tangible-Equity is ranked worse than 65.15% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs TSE:7184: 8.65
The First Bank of Toyama (TSE:7184) 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.
The First Bank of Toyama Return-on-Tangible-Equity Related Terms
The First Bank of Toyama Return-on-Tangible-Equity Historical Data
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The historical data trend for The First Bank of Toyama'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.
The First Bank of Toyama Return-on-Tangible-Equity Chart
The First Bank of Toyama Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, The First Bank of Toyama'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.
The First Bank of Toyama Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, The First Bank of Toyama's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where The First Bank of Toyama'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 two times the semi-annual (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 8.35% mean?
The First Bank of Toyama (TSE:7184) has a Return-on-Tangible-Equity of 8.35% 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 The First Bank of Toyama and its competitors. This is 116% above median its historical median of 3.87. Over the past decade, The First Bank of Toyama's Return-on-Tangible-Equity has ranged from 2.29 to 8.95. According to the industry distribution chart, The First Bank of Toyama ranks #989 out of 1518 companies in the Banks industry, placing it in the top 65.2%.
Is The First Bank of Toyama's Return-on-Tangible-Equity too high?
The First Bank of Toyama's current Return-on-Tangible-Equity of 8.35% is 116% above median its 10-year median of 3.87. Over the past 10 years, this metric has ranged from a low of 2.29 to a high of 8.95. The Banks industry median Return-on-Tangible-Equity is 11.27. The First Bank of Toyama's value of 8.35% is 25.9% below this industry median. Based on the distribution chart, The First Bank of Toyama ranks #989 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, The First Bank of Toyama has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The First Bank of Toyama's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, The First Bank of Toyama ranks #989 out of 1518 companies for Return-on-Tangible-Equity. This places The First Bank of Toyama in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.27. The First Bank of Toyama's value of 8.35% is 25.9% below this benchmark. Historically, The First Bank of Toyama's own Return-on-Tangible-Equity has ranged from 2.29 to 8.95 over the past decade. While the company's 10-year median is 3.87 vs. the industry median of 11.27, The First Bank of Toyama 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 11.27, based on 1,518 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. The First Bank of Toyama's current Return-on-Tangible-Equity of 8.35% is 25.9% 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 The First Bank of Toyama and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The First Bank of Toyama's current Return-on-Tangible-Equity is 8.35%, which is 116% above median its own 10-year median of 3.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The First Bank of Toyama stock overvalued right now?
Based on GuruFocus' analysis, The First Bank of Toyama (TSE:7184) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,381.13, compared to a current price of 円3,065.00 — trading 121.9% above its estimated fair value. The current Return-on-Tangible-Equity is 8.35%, which is 116% above median its 10-year median of 3.87 and 25.9% below the Banks industry median of 11.27. The First Bank of Toyama's overall GF Score™ is 52/100 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 The First Bank of Toyama (TSE:7184), the current Return-on-Tangible-Equity is 8.35% 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 The First Bank of Toyama (TSE:7184) Overvalued in 2026?
Based on GuruFocus' analysis, The First Bank of Toyama stock appears to be overvalued.
The current stock price of 円3,065.00 is trading 121.9% above its estimated GF Value™ of 円1,381.13.
GuruFocus considers The First Bank of Toyama to be Significantly Overvalued.
Key valuation signals for TSE:7184:
Return-on-Tangible-Equity: 8.35% (116% above median its 10-year median of 3.87)
GF Value™: 円1,381.13 vs. price of 円3,065.00 (121.9% above fair value)
Industry Position: 25.9% below the Banks median (#989 of 1518)
No single metric tells the full story. See the TSE:7184 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The First Bank of Toyama Ltd is a regional bank which provides commercial banking services including deposits, savings, loans, foreign exchange transactions. It offers general accounts; time, savings, periodical, foreign currency, and other deposits; housing, auto, educational, reform, free, and card loans; mutual funds; and public bond, financial brokerage, pension, and insurance products. The First Bank of Toyama also provides information and financial services such as leasing and securities investments.
52GF Score
Get the complete analysis for TSE:7184
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