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Mebuki Financial Group, Inc. (7167) AI Stock Analysis

JP:7167

Mebuki Financial Group, Inc.

(TSE/TYO:7167)

Select Model
Rating:81Outperform
Price Target:JPY 1,669.00â–²(14.67% Upside)
Action:reiterated
Date:08/17/26

Mebuki Financial Group earns a strong overall score driven primarily by excellent operational execution, characterized by surging top-line growth, expanding margins, and high-quality cash flow conversion. Additionally, the stock enjoys powerful upward technical momentum with perfectly aligned moving averages. While its valuation is slightly above average for the regional banking sector, the firm's robust balance sheet and reliable dividend yield provide a highly favorable foundation for continued stability.

Positive Factors
Improving profitabilityLatest-year revenue rose about 20%, net income reached 84.2B, and net margin expanded to about 21%. This indicates stronger earnings conversion and provides a larger base from which the regional banking group can support customers and reinvest in its operations.
Negative Factors
Volatile cash-flow historyDespite the strong 2026 rebound, prior negative operating and free cash flow in 2023 and 2024, alongside zero values reported for 2025, shows inconsistent cash generation. This makes underlying cash-flow trends harder to rely on when assessing durable funding capacity.

Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)

-20%0%20%40%60%80%100%JP:7167+57.22%EWJ+16.91%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
JPY 1.37T
Dividend Yield
2.61%
Average Volume (3M)
2.92M
Price to Earnings (P/E)
14.2
Beta (1Y)
1.41
Revenue Growth
25.45%
EPS Growth
61.40%
Country
Japan
Employees
5,880
Sector
General
Sector Strength
55
Industry
Banks - Regional

Mebuki Financial Group, Inc. Business Overview & Revenue Model

Company Description

Mebuki Financial Group, Inc. is a financial services provider operating both within Japan and globally. It accepts diverse types of deposits and extends credit to both corporate clients and individual consumers, notably offering housing loan products...

How the Company Makes Money

Mebuki Financial Group makes money primarily through its banking operations under its consolidated subsidiaries. Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-bearing assets (such as secur...

Mebuki Financial Group, Inc. Financial Statement Overview

Summary

Mebuki Financial Group demonstrates robust health with exceptional revenue and net income growth, boasting a 21.1% net profit margin. The balance sheet is highly resilient with significantly reduced leverage, and cash flow generation has stabilized with an impressive 93% free cash flow conversion rate.

Income Statement

86Very Positive

Balance Sheet

82Very Positive

Cash Flow

75Positive
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue432.57B399.64B316.78B270.93B290.30B217.85B
Gross Profit343.08B308.21B248.26B224.16B258.42B194.32B
EBITDA136.15B126.53B91.14B71.14B55.07B70.28B
Net Income96.44B84.16B58.23B43.37B32.18B42.96B
Balance Sheet
Total Assets21.89T21.17T21.41T21.79T21.39T24.13T
Cash, Cash Equivalents and Short-Term Investments3.22T2.46T3.23T4.44T4.82T7.27T
Total Debt2.04T1.60T2.27T2.77T2.56T10.23T
Total Liabilities20.77T20.10T20.44T20.80T20.48T23.17T
Stockholders Equity1.11T1.08T965.98B989.37B904.75B959.06B
Cash Flow
Free Cash Flow0184.42B0-31.72B-3.37T1.23T
Operating Cash Flow0197.93B0-25.96B-3.37T-6.86B
Investing Cash Flow0-445.69B-195.56B-325.34B922.43B-358.51B
Financing Cash Flow0-532.35B-413.36B-31.95B-16.67B589.54B

Mebuki Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNegative
Last Price1455.50

Price Trends

50DMA1622.21Negative
100DMA1546.82Negative
200DMA1393.61Positive

Market Momentum

MACD-46.37Positive
RSI36.44Neutral
STOCH59.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7167, the sentiment is Negative. The current price of 1455.50 is below the 20-day moving average (MA) of 1562.50, below the 50-day MA of 1622.21, and above the 200-day MA of 1393.61, indicating a neutral trend. The MACD of -46.37 indicates Positive momentum. The RSI at 36.44 is Neutral, neither overbought nor oversold. The STOCH value of 59.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7167.

Mebuki Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

JP:7167 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:7167JP:716781OutperformJPY 1.30T14.19―2.61%25.45%61.40%
JP:8334JP:833478OutperformJPY 991.46B15.3810.16%2.64%21.58%34.90%
JP:5844JP:584478OutperformJPY 1.21T11.03―4.72%18.82%226.00%
JP:8359JP:835977OutperformJPY 1.12T15.226.46%2.92%19.96%40.57%
JP:5830JP:583069NeutralJPY 1.00T13.73―2.18%13.26%3.10%
JP:8354JP:835465NeutralJPY 1.32T14.218.55%2.91%22.40%23.35%
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%

* General Sector Average

Performance Comparison

0%25%50%75%100%JP:7167JP:8354JP:8334JP:8359JP:5830JP:5844Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
JP:7167 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:7167Mebuki Financial Group, Inc.1455.50512.5654.36%
JP:8354Fukuoka Financial Group 6865.002435.6154.99%
JP:8334Gunma Bank 2535.00962.5061.21%
JP:8359Hachijuni Bank 2400.00868.8956.75%
JP:5830Iyogin Holdings,Inc.3210.00826.6934.69%
JP:5844Kyoto Financial Group,Inc.4028.00981.5832.22%

Mebuki Financial Group, Inc. Corporate Events

Mebuki Financial Group to Launch Agricultural Subsidiary Pascal Farm in Regional Revitalization Push

Aug 31, 2026

Mebuki Financial Group will establish an agricultural subsidiary, Pascal Farm, Ltd., through an investment by its wholly owned unit The Ashikaga Bank, to enter the agricultural business in Ibaraki and Tochigi. The move aligns with its medium-term pla...

Mebuki Financial Group Lifts Capital Adequacy Across Banking Subsidiaries

Aug 5, 2026

Mebuki Financial Group, Inc. is a Japanese regional financial holding company listed on the Tokyo Stock Exchange Prime Market, overseeing The Joyo Bank and The Ashikaga Bank. The group operates in commercial banking, providing lending, deposit, and r...

Mebuki Financial Group Lifts FY2026 Earnings Outlook on Higher Interest Income

Aug 5, 2026

Mebuki Financial Group has raised its consolidated earnings forecast for the fiscal year ending March 31, 2027, reflecting stronger-than-expected profitability in the first half and full year. Ordinary profit for FY2026 is now projected at ¥153....

Mebuki Financial Group Reports First-Quarter FY2026 Financial Results

Aug 5, 2026

Mebuki Financial Group has released its financial results for the first quarter of fiscal 2026, detailing performance across key banking operations such as loans, deposits, net interest income, and fee income from corporate clients. The disclosure al...

Mebuki Financial Group Lifts FY2026 Outlook and Dividends on Strong First-Quarter Results

Aug 5, 2026

Mebuki Financial Group reported solid consolidated results for the three months ended June 30, 2026, with comprehensive income rising to ¥52.7 billion and equity increasing to ¥1.11 trillion, keeping its equity-to-asset ratio at 21.1%. The...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 17, 2026