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Hachijuni Bank Ltd (DE:5FI)
FRANKFURT:5FI

Hachijuni Bank (5FI) Price & Analysis

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5FI Stock Chart & Stats

€9.60
€0.05(0.83%)
At close: 4:00 PM EST
€9.60
€0.05(0.83%)

Bulls Say, Bears Say

Bulls Say
Multi-year Revenue And Profit ReboundHachijuni has delivered a sustained multi-year rebound in core earnings, with revenue and net income accelerating through 2026. This trend indicates rising loan demand, stronger fee activity or securities income and supports a structurally healthier earnings base over the medium term.
Strengthened Equity CapitalA materially stronger equity base in 2025–2026 provides a durable capital buffer that improves solvency and lends capacity. Higher equity supports regulatory resilience, allows measured loan growth, and reduces the probability of forced external capital raises over the next several quarters.
Improved Cash Generation RecentlyOperating and free cash flows rebounded sharply into 2025–2026, showing the bank can convert earnings into cash for funding operations, capital allocation or buffering credit cycles. Strong recent cash generation enhances financial flexibility and lowers reliance on volatile markets.
Bears Say
Elevated And Rising LeverageLeverage remains a material constraint: debt rose again in 2026 after prior improvement, and historical debt-to-equity was elevated. Persistent leverage increases financial sensitivity to interest costs and funding strains, limiting strategic flexibility and raising capital risk in adverse cycles.
Volatile Cash Flow HistoryCash flows have swung materially year-to-year, with a negative OCF/FCF year in 2024 before a rebound. Such volatility—often from balance-sheet or working-capital swings in banks—complicates planning, increases reliance on funding markets in weak years and raises dividend/policy risk.
Concentrated Regional ExposureHachijuni's business is geographically concentrated in Nagano and nearby areas, exposing it to local economic cycles and sector-specific shocks. Limited geographic diversification increases credit and deposit concentration risks and can amplify revenue volatility versus more diversified peers.

Hachijuni Bank News

5FI FAQ

What was Hachijuni Bank Ltd’s price range in the past 12 months?
Hachijuni Bank Ltd lowest stock price was €6.85 and its highest was €13.10 in the past 12 months.
    What is Hachijuni Bank Ltd’s market cap?
    Hachijuni Bank Ltd’s market cap is €5.78B.
      When is Hachijuni Bank Ltd’s upcoming earnings report date?
      Hachijuni Bank Ltd’s upcoming earnings report date is Jul 24, 2026 which is in 40 days.
        How were Hachijuni Bank Ltd’s earnings last quarter?
        Hachijuni Bank Ltd released its earnings results on May 15, 2026. The company reported €0.2 earnings per share for the quarter, beating the consensus estimate of €0.174 by €0.026.
          Is Hachijuni Bank Ltd overvalued?
          According to Wall Street analysts Hachijuni Bank Ltd’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Hachijuni Bank Ltd pay dividends?
            Hachijuni Bank Ltd does not currently pay dividends.
            What is Hachijuni Bank Ltd’s EPS estimate?
            Hachijuni Bank Ltd’s EPS estimate is 0.24.
              How many shares outstanding does Hachijuni Bank Ltd have?
              Hachijuni Bank Ltd has 493,767,430 shares outstanding.
                What happened to Hachijuni Bank Ltd’s price movement after its last earnings report?
                Hachijuni Bank Ltd reported an EPS of €0.2 in its last earnings report, beating expectations of €0.174. Following the earnings report the stock price went up 3.2%.
                  Which hedge fund is a major shareholder of Hachijuni Bank Ltd?
                  Currently, no hedge funds are holding shares in DE:5FI
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Hachijuni Bank Ltd

                    The Hachijuni Bank, Ltd. provides a comprehensive array of financial products and services, serving individual clients, corporate entities, and independent entrepreneurs. Its offerings encompass a diverse range of deposit accounts, including time, savings, and foreign currency options, alongside extensive loan facilities for purposes such as housing, vehicle acquisition, education, and business expansion. Beyond traditional banking, the institution furnishes various investment instruments like public and private placement bonds and investment trusts, as well as an assortment of insurance products covering life, medical, education, and property. Customers also have access to credit and debit cards, pension planning, and wealth management solutions, including inheritance and pension consultation. The bank further supports modern financial requirements through internet and mobile banking, foreign currency reserve services, payment collection, and expense settlement, in addition to offering management and business advisory support and information on civil trusts. It is also active in financial product brokerage. Established in 1877 and headquartered in Nagano, Japan, The Hachijuni Bank, Ltd. maintained a significant operational footprint as of March 31, 2022, with 142 branches, 9 branch offices, and 221 ATMs across Japan, complemented by an international presence featuring a branch in Hong Kong and representative offices in Shanghai, Bangkok, and Singapore.

                    Hachijuni Bank (5FI) Earnings & Revenues

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