Ogaki Kyoritsu BankTSE:8361 -0.82%47 ROA % is 0.39% as of Mar. 2026, which is 179% above its 10-year median of 0.14. GuruFocus rates TSE:8361 with a GF Score™ of 47/100 and a GF Value™ of 円2,923.52 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, Ogaki Kyoritsu Bank ranks worse than 87.21% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Ogaki Kyoritsu Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was 円26,360 Mil.
Ogaki Kyoritsu Bank's average Total Assets over the quarter that ended in Mar. 2026 was 円6,679,341 Mil. Therefore, Ogaki Kyoritsu Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.39%.
The historical rank and industry rank for Ogaki Kyoritsu Bank's ROA % or its related term are showing as below:
TSE:8361'
s ROA % Range Over the Past 10 Years
Min: 0.07 Med: 0.14 Max: 0.29
Current: 0.29
During the past 13 years, Ogaki Kyoritsu Bank's highest ROA % was 0.29%. The lowest was 0.07%. And the median was 0.14%.
TSE:8361's ROA % is ranked worse than 87.21% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs TSE:8361: 0.29
Ogaki Kyoritsu Bank (TSE:8361) 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 four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (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.
Ogaki Kyoritsu Bank ROA % Related Terms
Ogaki Kyoritsu Bank ROA % Historical Data
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The historical data trend for Ogaki Kyoritsu Bank's ROA % 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.
For the Banks - Regional subindustry, Ogaki Kyoritsu Bank'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.
Ogaki Kyoritsu Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Ogaki Kyoritsu Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Ogaki Kyoritsu Bank'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 four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Ogaki Kyoritsu Bank (TSE:8361) has a ROA % of 0.39% 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 Ogaki Kyoritsu Bank and its competitors. This is 179% above median its historical median of 0.14. Over the past decade, Ogaki Kyoritsu Bank's ROA % has ranged from 0.07 to 0.29. According to the industry distribution chart, Ogaki Kyoritsu Bank ranks #1336 out of 1532 companies in the Banks industry, placing it in the top 87.2%.
Is Ogaki Kyoritsu Bank's ROA % too high?
Ogaki Kyoritsu Bank's current ROA % of 0.39% is 179% above median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.29. The Banks industry median ROA % is 0.98. Ogaki Kyoritsu Bank's value of 0.39% is 60.2% below this industry median. Based on the distribution chart, Ogaki Kyoritsu Bank ranks #1336 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ogaki Kyoritsu Bank has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ogaki Kyoritsu Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Ogaki Kyoritsu Bank ranks #1336 out of 1532 companies for ROA %. This places Ogaki Kyoritsu Bank in the lower half of its industry. The industry median ROA % is 0.98. Ogaki Kyoritsu Bank's value of 0.39% is 60.2% below this benchmark. Historically, Ogaki Kyoritsu Bank's own ROA % has ranged from 0.07 to 0.29 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.98, Ogaki Kyoritsu 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 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. Ogaki Kyoritsu Bank's current ROA % of 0.39% is 60.2% 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 Ogaki Kyoritsu Bank 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. Ogaki Kyoritsu Bank's current ROA % is 0.39%, which is 179% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ogaki Kyoritsu Bank stock overvalued right now?
Based on GuruFocus' analysis, Ogaki Kyoritsu Bank (TSE:8361) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,923.52, compared to a current price of 円7,260.00 — trading 148.3% above its estimated fair value. The current ROA % is 0.39%, which is 179% above median its 10-year median of 0.14 and 60.2% below the Banks industry median of 0.98. Ogaki Kyoritsu Bank's overall GF Score™ is 47/100 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 Ogaki Kyoritsu Bank (TSE:8361), the current ROA % is 0.39% 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 Ogaki Kyoritsu Bank (TSE:8361) Overvalued in 2026?
Based on GuruFocus' analysis, Ogaki Kyoritsu Bank stock appears to be overvalued.
The current stock price of 円7,260.00 is trading 148.3% above its estimated GF Value™ of 円2,923.52.
GuruFocus considers Ogaki Kyoritsu Bank to be Significantly Overvalued.
Key valuation signals for TSE:8361:
ROA %: 0.39% (179% above median its 10-year median of 0.14)
GF Value™: 円2,923.52 vs. price of 円7,260.00 (148.3% above fair value)
Industry Position: 60.2% below the Banks median (#1336 of 1532)
No single metric tells the full story. See the TSE:8361 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ogaki Kyoritsu Bank Ltd is a Japanese regional bank operating primarily in the island nation's Chubu region. The majority of the bank's branches and locations are in the Gifu and Aichi prefectures, along with its loans and deposits. The balance of the bank's deposits is primarily located in Gifu, while more of the loan balances are located in Aichi. While the bank has few locations in Tokyo/Osaka, it still has a sizable portion of its loan book exposed to the region. The bank has focused its efforts on easing customer access to conduct transactions through financial technology and information technology innovation. Most of its earning assets are in loans and bills discounted, and securities.
47GF Score
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