Howa Bank (FSE:8559) ROE % Adjusted to Book Value: 29.70% (As of Mar. 2026)


FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円470.00
GF Value 円530.36
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Howa Bank ROE % Adjusted to Book Value?

Howa Bank FSE:8559 54 ROE % Adjusted to Book Value is 29.70% as of Mar. 2026. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円530.36 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Howa Bank's ROE % for the quarter that ended in Mar. 2026 was 2.97%. Howa Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.10. Howa Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 29.70%.

Howa Bank ROE % Adjusted to Book Value Related Terms

Howa Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Howa Bank's ROE % Adjusted to Book Value 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.

Howa Bank ROE % Adjusted to Book Value Chart

Howa Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.09 40.60 31.63 36.38 26.50

Howa Bank Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 40.13 61.25 10.75 24.09 29.70

Howa Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Howa Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

Howa Bank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Howa Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Howa Bank's ROE % Adjusted to Book Value falls into.


FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Howa Bank ROE % Adjusted to Book Value Calculation

Howa Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.65% / 0.10
=26.50%

Howa Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.97% / 0.10
=29.70%

* 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.

What does a ROE % Adjusted to Book Value of 29.70% mean?
Howa Bank (FSE:8559) has a ROE % Adjusted to Book Value of 29.70% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Howa Bank and its competitors.
Is Howa Bank's ROE % Adjusted to Book Value too high?
Howa Bank's current ROE % Adjusted to Book Value is 29.70%. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's ROE % Adjusted to Book Value compare to competitors?
Howa Bank's ROE % Adjusted to Book Value of 29.70% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Howa Bank and its competitors. Howa Bank's current ROE % Adjusted to Book Value is 29.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円530.36, compared to a current price of 円470.00 — trading 11.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 29.70%. Howa Bank's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current ROE % Adjusted to Book Value is 29.70% 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円470.00 is trading 11.4% below its estimated GF Value™ of 円530.36. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • ROE % Adjusted to Book Value: 29.70%
  • GF Value™: 円530.36 vs. price of 円470.00 (11.4% below fair value)
  • GF Score™: 54/100 with 2 warning signs

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score

Get the complete analysis for FSE:8559

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円470.00
Price
円530.36
GF Value