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ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Miyazaki Taiyo Bank ROE % Related Terms
Miyazaki Taiyo Bank ROE % Historical Data
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The historical data trend for Miyazaki Taiyo Bank's ROE % 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, Miyazaki Taiyo Bank's ROE %, along with its competitors' market caps and ROE % 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.
Miyazaki Taiyo Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Miyazaki Taiyo Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Miyazaki Taiyo Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Miyazaki Taiyo Bank (FSE:8560) has a ROE % of -1.76% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Miyazaki Taiyo Bank and its competitors. Over the past decade, Miyazaki Taiyo Bank's ROE % has ranged from 2.23 to 6.44. According to the industry distribution chart, Miyazaki Taiyo Bank ranks #1317 out of 1522 companies in the Banks industry, placing it in the top 86.5%.
Is Miyazaki Taiyo Bank's ROE % too high?
Miyazaki Taiyo Bank's current ROE % is -1.76%. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 6.44. Based on the distribution chart, Miyazaki Taiyo Bank ranks #1317 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Miyazaki Taiyo Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Miyazaki Taiyo Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Miyazaki Taiyo Bank ranks #1317 out of 1522 companies for ROE %. This places Miyazaki Taiyo Bank in the lower half of its industry. The industry median ROE % is 10.50. Historically, Miyazaki Taiyo Bank's own ROE % has ranged from 2.23 to 6.44 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.50, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Miyazaki Taiyo Bank and its competitors. For the Banks industry, the median ROE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Miyazaki Taiyo Bank's current ROE % is -1.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Miyazaki Taiyo Bank stock overvalued right now?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank (FSE:8560) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,541.18, compared to a current price of 円2,533.00 — trading 64.4% above its estimated fair value. The current ROE % is -1.76%. Miyazaki Taiyo Bank's overall GF Score™ is 54/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Miyazaki Taiyo Bank (FSE:8560), the current ROE % is -1.76% 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 Miyazaki Taiyo Bank (FSE:8560) Overvalued in 2026?
Based on GuruFocus' analysis, Miyazaki Taiyo Bank stock appears to be overvalued.
The current stock price of 円2,533.00 is trading 64.4% above its estimated GF Value™ of 円1,541.18.
GuruFocus considers Miyazaki Taiyo Bank to be Significantly Overvalued.
Key valuation signals for FSE:8560:
ROE %: -1.76%
GF Value™: 円1,541.18 vs. price of 円2,533.00 (64.4% above fair value)
No single metric tells the full story. See the FSE:8560 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Miyazaki Taiyo Bank Ltd provides commercial banking services including deposits, loans, and foreign exchange transactions in Japan. It operates in three segments: Banking, Outsourcing, and Leasing and Assurance. The company accepts Yen and foreign currency deposits; and offers mutual funds, JGBs, insurance products, and debit cards. It also provides card, free, conclusion, car, education, housing, business support, business, partner, and agricultural equipment loans.
54GF Score
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