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Keiyo Bank, Ltd. (JP:8544)
:8544
Japanese Market
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Keiyo Bank, Ltd. (8544) Price & Analysis

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8544 Stock Chart & Stats

¥1733.00
¥4.00(0.51%)
At close: 4:00 PM EST
¥1733.00
¥4.00(0.51%)

Bulls Say, Bears Say

Bulls Say
Revenue AccelerationSharp FY2026 revenue acceleration (34.9%) signals renewed core growth across lending, fees or securities income. Sustained top-line momentum supports scalable operating leverage, funds reinvestment and credit underwriting, improving earnings durability over coming quarters.
Solid ProfitabilityNet income rose to ¥15.9B with roughly a 15% net margin in FY2026, reflecting durable earnings from net interest and fee income. Solid profitability helps accumulate capital buffers, supports dividend capacity and funds strategic investments that strengthen long-term competitiveness.
Improving Equity / DeleveragingEquity growth to ~¥324B and a reduction in leverage to ~2.04x enhance balance-sheet resilience. Gradual deleveraging increases loss-absorption capacity and regulatory flexibility, providing room to support loan growth or absorb shocks without immediate capital raises.
Bears Say
High Leverage HistoryDespite recent improvement, leverage remains meaningfully elevated and historically volatile (peaking ~4.76x). Wide leverage swings increase sensitivity to funding shocks and regulatory capital demands, constraining strategic optionality and raising refinancing risk for a regional bank.
Volatile Cash GenerationOperating cash flow is highly inconsistent, plunging to ~¥5.2B in FY2026 from ~¥32.1B and with earlier negative years. Erratic cash conversion undermines self-funding for loans and dividends, may force reliance on market funding or asset sales, and clouds earnings quality.
Margin CompressionNet margins have eased materially versus prior years, indicating compression of core spreads or fee mix shifts. Persistent margin pressure reduces sustainable returns on assets and equity, weakening earnings resilience unless offset by cost measures or diversified revenue growth.

Keiyo Bank, Ltd. News

8544 FAQ

What was Keiyo Bank, Ltd.’s price range in the past 12 months?
Keiyo Bank, Ltd. lowest stock price was ¥1147.00 and its highest was ¥2972.00 in the past 12 months.
    What is Keiyo Bank, Ltd.’s market cap?
    Keiyo Bank, Ltd.’s market cap is ¥306.25B.
      When is Keiyo Bank, Ltd.’s upcoming earnings report date?
      Keiyo Bank, Ltd.’s upcoming earnings report date is Nov 10, 2026 which is in 91 days.
        How were Keiyo Bank, Ltd.’s earnings last quarter?
        Keiyo Bank, Ltd. released its earnings results on Jul 31, 2026. The company reported ¥52.83 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
          Is Keiyo Bank, Ltd. overvalued?
          According to Wall Street analysts Keiyo Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Keiyo Bank, Ltd. pay dividends?
            Keiyo Bank, Ltd. pays a Semiannually dividend of ¥33 which represents an annual dividend yield of 1.63%. See more information on Keiyo Bank, Ltd. dividends here
              What is Keiyo Bank, Ltd.’s EPS estimate?
              Keiyo Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Keiyo Bank, Ltd. have?
              Keiyo Bank, Ltd. has 126,427,860 shares outstanding.
                What happened to Keiyo Bank, Ltd.’s price movement after its last earnings report?
                Keiyo Bank, Ltd. reported an EPS of ¥52.83 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.898%.
                  Which hedge fund is a major shareholder of Keiyo Bank, Ltd.?
                  Currently, no hedge funds are holding shares in JP:8544
                  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

                    Keiyo Bank, Ltd.

                    Keiyo Bank, Ltd. is a Japanese financial institution that delivers a broad spectrum of banking solutions and services. The bank manages customer deposits and provides various credit facilities, including residential mortgages, general consumer financing, and loans tailored for small and medium-sized businesses. As of March 31, 2021, its operations spanned 122 different locations. The company was founded in 1943 and maintains its corporate headquarters in Chiba, Japan.

                    Keiyo Bank, Ltd. (8544) Earnings & Revenues

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