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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. The First Bank of Toyama's annualizedNet Income for the quarter that ended in Mar. 2026 was 円15,504 Mil.
The First Bank of Toyama's average Total Assets over the quarter that ended in Mar. 2026 was 円1,670,124 Mil. Therefore, The First Bank of Toyama's annualized ROA % for the quarter that ended in Mar. 2026 was 0.93%.
The historical rank and industry rank for The First Bank of Toyama's ROA % or its related term are showing as below:
TSE:7184'
s ROA % Range Over the Past 10 Years
Min: 0.16 Med: 0.31 Max: 0.92
Current: 0.92
During the past 12 years, The First Bank of Toyama's highest ROA % was 0.92%. The lowest was 0.16%. And the median was 0.31%.
TSE:7184's ROA % is ranked worse than 54.48% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs TSE:7184: 0.92
The First Bank of Toyama (TSE:7184) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Mar. 2026) net income data. The Revenue data used here is two times the semi-annual (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA % Competitor Comparison
For the Banks - Regional subindustry, The First Bank of Toyama's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, The First Bank of Toyama's ROA % distribution charts can be found below:
* The bar in red indicates where The First Bank of Toyama's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
The First Bank of Toyama (TSE:7184) has a ROA % of 0.93% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The First Bank of Toyama and its competitors. This is 200% above median its historical median of 0.31. Over the past decade, The First Bank of Toyama's ROA % has ranged from 0.16 to 0.92. According to the industry distribution chart, The First Bank of Toyama ranks #833 out of 1529 companies in the Banks industry, placing it in the top 54.5%.
Is The First Bank of Toyama's ROA % too high?
The First Bank of Toyama's current ROA % of 0.93% is 200% above median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.92. The Banks industry median ROA % is 0.98. The First Bank of Toyama's value of 0.93% is 5.1% below this industry median. Based on the distribution chart, The First Bank of Toyama ranks #833 out of 1529 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 ROA % compare to competitors?
According to the Banks industry distribution chart, The First Bank of Toyama ranks #833 out of 1529 companies for ROA %. This places The First Bank of Toyama in the lower half of its industry. The industry median ROA % is 0.98. The First Bank of Toyama's value of 0.93% is 5.1% below this benchmark. Historically, The First Bank of Toyama's own ROA % has ranged from 0.16 to 0.92 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The First Bank of Toyama's current ROA % of 0.93% is 5.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The First Bank of Toyama and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The First Bank of Toyama's current ROA % is 0.93%, which is 200% above median its own 10-year median of 0.31. 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1,376.84, compared to a current price of 円2,896.00 — trading 110.3% above its estimated fair value. The current ROA % is 0.93%, which is 200% above median its 10-year median of 0.31 and 5.1% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For The First Bank of Toyama (TSE:7184), the current ROA % is 0.93% 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2,896.00 is trading 110.3% above its estimated GF Value™ of 円1,376.84.
GuruFocus considers The First Bank of Toyama to be Significantly Overvalued.
Key valuation signals for TSE:7184:
ROA %: 0.93% (200% above median its 10-year median of 0.31)
GF Value™: 円1,376.84 vs. price of 円2,896.00 (110.3% above fair value)
Industry Position: 5.1% below the Banks median (#833 of 1529)
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
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