Nanto BankTSE:8367 +1.84%45 ROA % is 0.22% as of Mar. 2026, which is 16% above its 10-year median of 0.19. GuruFocus rates TSE:8367 with a GF Score™ of 45/100 and a GF Value™ of 円872.43 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Nanto Bank ranks worse than 88.76% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Nanto Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was 円15,100 Mil.
Nanto Bank's average Total Assets over the quarter that ended in Mar. 2026 was 円6,724,822 Mil. Therefore, Nanto Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.22%.
The historical rank and industry rank for Nanto Bank's ROA % or its related term are showing as below:
TSE:8367'
s ROA % Range Over the Past 10 Years
Min: 0.06 Med: 0.19 Max: 0.25
Current: 0.25
During the past 13 years, Nanto Bank's highest ROA % was 0.25%. The lowest was 0.06%. And the median was 0.19%.
TSE:8367's ROA % is ranked worse than 88.76% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs TSE:8367: 0.25
Nanto Bank (TSE:8367) 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.
Nanto Bank ROA % Related Terms
Nanto Bank ROA % Historical Data
* Premium members only.
The historical data trend for Nanto 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, Nanto 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.
Nanto Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Nanto Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Nanto 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.
Nanto Bank (TSE:8367) has a ROA % of 0.22% 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 Nanto Bank and its competitors. This is 16% above median its historical median of 0.19. Over the past decade, Nanto Bank's ROA % has ranged from 0.06 to 0.25. According to the industry distribution chart, Nanto Bank ranks #1358 out of 1530 companies in the Banks industry, placing it in the top 88.8%.
Is Nanto Bank's ROA % too high?
Nanto Bank's current ROA % of 0.22% is 16% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.25. The Banks industry median ROA % is 0.98. Nanto Bank's value of 0.22% is 77.6% below this industry median. Based on the distribution chart, Nanto Bank ranks #1358 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nanto Bank has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nanto Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Nanto Bank ranks #1358 out of 1530 companies for ROA %. This places Nanto Bank in the lower half of its industry. The industry median ROA % is 0.98. Nanto Bank's value of 0.22% is 77.6% below this benchmark. Historically, Nanto Bank's own ROA % has ranged from 0.06 to 0.25 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.98, Nanto 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 1,530 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. Nanto Bank's current ROA % of 0.22% is 77.6% 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 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 Nanto 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. Nanto Bank's current ROA % is 0.22%, which is 16% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nanto Bank stock overvalued right now?
Based on GuruFocus' analysis, Nanto Bank (TSE:8367) is currently considered Significantly Overvalued. The stock's GF Value™ is 円872.43, compared to a current price of 円1,824.00 — trading 109.1% above its estimated fair value. The current ROA % is 0.22%, which is 16% above median its 10-year median of 0.19 and 77.6% below the Banks industry median of 0.98. Nanto Bank's overall GF Score™ is 45/100 with 6 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 Nanto Bank (TSE:8367), the current ROA % is 0.22% 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 Nanto Bank (TSE:8367) Overvalued in 2026?
Based on GuruFocus' analysis, Nanto Bank stock appears to be overvalued.
The current stock price of 円1,824.00 is trading 109.1% above its estimated GF Value™ of 円872.43.
GuruFocus considers Nanto Bank to be Significantly Overvalued.
Key valuation signals for TSE:8367:
ROA %: 0.22% (16% above median its 10-year median of 0.19)
GF Value™: 円872.43 vs. price of 円1,824.00 (109.1% above fair value)
Industry Position: 77.6% below the Banks median (#1358 of 1530)
No single metric tells the full story. See the TSE:8367 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nanto Bank Ltd is a Japanese regional bank operating primarily in the Nara Prefecture, but extending to neighboring prefectures in Japan. The bank reports earnings through two segments: banking and securities, and leasing. It also operates a credit guarantee, computer software development and service, and a credit card business. The bank's strategy emphasizes regional market penetration. Most of the bank's earning assets are in loans and bills discounted and securities. Nanto Bank generates a majority of income through net interest income, followed by fees and commissions.
45GF Score
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