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Hyakugo BankTSE:8368 -8.21%56 Return-on-Tangible-Equity is 8.47% as of Mar. 2026, which is 148% above its 10-year median of 3.41. GuruFocus rates TSE:8368 with a GF Score™ of 56/100 and a GF Value™ of 円914.59 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Hyakugo Bank ranks worse than 80.17% 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. Hyakugo Bank's annualized net income for the quarter that ended in Mar. 2026 was 円42,780 Mil. Hyakugo Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円505,105 Mil. Therefore, Hyakugo Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.47%.
The historical rank and industry rank for Hyakugo Bank's Return-on-Tangible-Equity or its related term are showing as below:
TSE:8368'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.75 Med: 3.41 Max: 5.7
Current: 5.69
During the past 13 years, Hyakugo Bank's highest Return-on-Tangible-Equity was 5.70%. The lowest was 2.75%. And the median was 3.41%.
TSE:8368's Return-on-Tangible-Equity is ranked worse than 80.17% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs TSE:8368: 5.69
Hyakugo Bank (TSE:8368) 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.
Hyakugo Bank Return-on-Tangible-Equity Related Terms
Hyakugo Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Hyakugo 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.
Hyakugo Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Hyakugo 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.
Hyakugo Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hyakugo Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hyakugo 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 8.47% mean?
Hyakugo Bank (TSE:8368) has a Return-on-Tangible-Equity of 8.47% 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 Hyakugo Bank and its competitors. This is 148% above median its historical median of 3.41. Over the past decade, Hyakugo Bank's Return-on-Tangible-Equity has ranged from 2.75 to 5.70. According to the industry distribution chart, Hyakugo Bank ranks #1221 out of 1523 companies in the Banks industry, placing it in the top 80.2%.
Is Hyakugo Bank's Return-on-Tangible-Equity too high?
Hyakugo Bank's current Return-on-Tangible-Equity of 8.47% is 148% above median its 10-year median of 3.41. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 5.70. The Banks industry median Return-on-Tangible-Equity is 11.23. Hyakugo Bank's value of 8.47% is 24.6% below this industry median. Based on the distribution chart, Hyakugo Bank ranks #1221 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hyakugo Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Hyakugo Bank ranks #1221 out of 1523 companies for Return-on-Tangible-Equity. This places Hyakugo Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Hyakugo Bank's value of 8.47% is 24.6% below this benchmark. Historically, Hyakugo Bank's own Return-on-Tangible-Equity has ranged from 2.75 to 5.70 over the past decade. While the company's 10-year median is 3.41 vs. the industry median of 11.23, Hyakugo 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 11.23, 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. Hyakugo Bank's current Return-on-Tangible-Equity of 8.47% is 24.6% 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 Hyakugo Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hyakugo Bank's current Return-on-Tangible-Equity is 8.47%, which is 148% above median its own 10-year median of 3.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Based on GuruFocus' analysis, Hyakugo Bank (TSE:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円914.59, compared to a current price of 円1,924.00 — trading 110.4% above its estimated fair value. The current Return-on-Tangible-Equity is 8.47%, which is 148% above median its 10-year median of 3.41 and 24.6% below the Banks industry median of 11.23. Hyakugo Bank's overall GF Score™ is 56/100 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 Hyakugo Bank (TSE:8368), the current Return-on-Tangible-Equity is 8.47% 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 Hyakugo Bank (TSE:8368) Overvalued in 2026?
Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued.
The current stock price of 円1,924.00 is trading 110.4% above its estimated GF Value™ of 円914.59.
GuruFocus considers Hyakugo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8368:
Return-on-Tangible-Equity: 8.47% (148% above median its 10-year median of 3.41)
GF Value™: 円914.59 vs. price of 円1,924.00 (110.4% above fair value)
Industry Position: 24.6% below the Banks median (#1221 of 1523)
No single metric tells the full story. See the TSE:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
56GF Score
Get the complete analysis for TSE:8368
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