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The Tohoku BankTSE:8349 -2.47%64 ROE % is 2.93% as of Mar. 2026, which is 7% below its 10-year median of 3.14. GuruFocus rates TSE:8349 with a GF Score™ of 64/100 and a GF Value™ of 円1,324.15 (Fairly Valued). Among 1,525 Banks companies, The Tohoku Bank ranks worse than 82.89% on this metric.
The historical rank and industry rank for The Tohoku Bank's ROE % or its related term are showing as below:
TSE:8349'
s ROE % Range Over the Past 10 Years
Min: 1.62 Med: 3.14 Max: 4.92
Current: 4.81
During the past 13 years, The Tohoku Bank's highest ROE % was 4.92%. The lowest was 1.62%. And the median was 3.14%.
TSE:8349's ROE % is ranked worse than 82.89% of 1525
companies
in the Banks industry
Industry Median: 10.23
vs TSE:8349: 4.81
The Tohoku Bank (TSE:8349) ROE % Explanation
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 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. 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.
The Tohoku Bank ROE % Related Terms
The Tohoku Bank ROE % Historical Data
* Premium members only.
The historical data trend for The Tohoku 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, The Tohoku 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.
The Tohoku Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, The Tohoku Bank's ROE % distribution charts can be found below:
* The bar in red indicates where The Tohoku 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 two times the semi-annual (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
The Tohoku Bank (TSE:8349) has a ROE % of 2.93% 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 The Tohoku Bank and its competitors. This is near median its historical median of 3.14. Over the past decade, The Tohoku Bank's ROE % has ranged from 1.62 to 4.92. According to the industry distribution chart, The Tohoku Bank ranks #1264 out of 1525 companies in the Banks industry, placing it in the top 82.9%.
Is The Tohoku Bank's ROE % too high?
The Tohoku Bank's current ROE % of 2.93% is near median its 10-year median of 3.14. Over the past 10 years, this metric has ranged from a low of 1.62 to a high of 4.92. The Banks industry median ROE % is 10.23. The Tohoku Bank's value of 2.93% is 71.4% below this industry median. Based on the distribution chart, The Tohoku Bank ranks #1264 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, The Tohoku Bank has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Tohoku Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, The Tohoku Bank ranks #1264 out of 1525 companies for ROE %. This places The Tohoku Bank in the lower half of its industry. The industry median ROE % is 10.23. The Tohoku Bank's value of 2.93% is 71.4% below this benchmark. Historically, The Tohoku Bank's own ROE % has ranged from 1.62 to 4.92 over the past decade. While the company's 10-year median is 3.14 vs. the industry median of 10.23, The Tohoku 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,525 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. The Tohoku Bank's current ROE % of 2.93% is 71.4% 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 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 The Tohoku Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Tohoku Bank's current ROE % is 2.93%, which is near median its own 10-year median of 3.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Tohoku Bank stock overvalued right now?
Based on GuruFocus' analysis, The Tohoku Bank (TSE:8349) is currently considered Fairly Valued. The stock's GF Value™ is 円1,324.15, compared to a current price of 円1,419.00 — trading 7.2% above its estimated fair value. The current ROE % is 2.93%, which is near median its 10-year median of 3.14 and 71.4% below the Banks industry median of 10.23. The Tohoku Bank's overall GF Score™ is 64/100. 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 The Tohoku Bank (TSE:8349), the current ROE % is 2.93% 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 Tohoku Bank (TSE:8349) Overvalued in 2026?
Based on GuruFocus' analysis, The Tohoku Bank stock appears to be overvalued.
The current stock price of 円1,419.00 is trading 7.2% above its estimated GF Value™ of 円1,324.15.
GuruFocus considers The Tohoku Bank to be Fairly Valued.
Key valuation signals for TSE:8349:
ROE %: 2.93% (near median its 10-year median of 3.14)
GF Value™: 円1,324.15 vs. price of 円1,419.00 (7.2% above fair value)
Industry Position: 71.4% below the Banks median (#1264 of 1525)
No single metric tells the full story. See the TSE:8349 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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