The Yamagata Bank (TSE:8344) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


TSE:8344 The Yamagata Bank Ltd TSE:8344
49 GF Score
Price 円3,690.00
GF Value 円1,423.66
Valuation Significantly Overvalued
! 5 Warning Signs
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What is The Yamagata Bank Scaled Net Operating Assets?

The Yamagata Bank TSE:8344 -2.51% 49 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates TSE:8344 with a GF Score™ of 49/100 and a GF Value™ of 円1,423.66 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

The Yamagata Bank's operating assets for the quarter that ended in Mar. 2026 was 円3,085,822 Mil. The Yamagata Bank's operating liabilities for the quarter that ended in Mar. 2026 was 円2,965,273 Mil. The Yamagata Bank's Total Assets for the quarter that ended in Dec. 2025 was 円3,237,937 Mil. Therefore, The Yamagata Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

TSE:8344
49GF Score
The Yamagata Bank Ltd TSE:8344
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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The Yamagata Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

The Yamagata Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(3085822-2965273)/3164251
=0.04

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3276712 - 190890
=3085822

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3126087 - 160814 - 0
=2965273

The Yamagata Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3085822-2965273)/3237937
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3276712 - 190890
=3085822

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3126087 - 160814 - 0
=2965273

* 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 Scaled Net Operating Assets of 0.04 mean?
The Yamagata Bank (TSE:8344) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on The Yamagata Bank and its competitors.
Is The Yamagata Bank's Scaled Net Operating Assets too high?
The Yamagata Bank's current Scaled Net Operating Assets is 0.04. Overall, The Yamagata Bank has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Yamagata Bank's Scaled Net Operating Assets compare to competitors?
The Yamagata Bank's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on The Yamagata Bank and its competitors. The Yamagata Bank's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Yamagata Bank stock overvalued right now?
Based on GuruFocus' analysis, The Yamagata Bank (TSE:8344) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,423.66, compared to a current price of 円3,690.00 — trading 159.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.04. The Yamagata Bank's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For The Yamagata Bank (TSE:8344), the current Scaled Net Operating Assets is 0.04 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 Yamagata Bank (TSE:8344) Overvalued in 2026?

Based on GuruFocus' analysis, The Yamagata Bank stock appears to be overvalued. The current stock price of 円3,690.00 is trading 159.2% above its estimated GF Value™ of 円1,423.66. GuruFocus considers The Yamagata Bank to be Significantly Overvalued.

Key valuation signals for TSE:8344:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: 円1,423.66 vs. price of 円3,690.00 (159.2% above fair value)
  • GF Score™: 49/100 with 5 warning signs

No single metric tells the full story. See the TSE:8344 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The Yamagata Bank Business Description

Address 1-2, Nanukamachi 3-chome, Yamagata, JPN, 990-8642
The Yamagata Bank Ltd is a provider of banking products and services, domiciled in Japan. The company generates the vast majority of revenue domestically. The bank operates through three functions: banking segment, leasing industry, and others. The largest of these is the banking segment, which offers products such as deposits and lending, exchange services, investment in securities, credit cards, venture capital services, and credit guarantees. The leasing industry segment is the next largest contributor to revenue and is involved in leasing services as well as business support and data processing.
49GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円3,690.00
Price
円1,423.66
GF Value