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Gunma Bank
(8334)
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Rating:68Neutral
Price Target:
¥3,392.00
▲(22.08% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving profitability on the income statement, but tempered by elevated leverage and especially volatile cash flow quality. Technicals add support due to a strong uptrend, though momentum is close to overbought. Valuation is acceptable with a moderate P/E and a modest dividend yield.
Positive Factors
Strong revenue growth
Sustained revenue expansion indicates stronger lending, investment, or fee-generation capacity across the bank’s regional franchise. The substantial multi-year increase provides a durable base for earnings growth, supports operating leverage, and suggests improving commercial relevance beyond a single reporting period.
Negative Factors
Elevated leverage
Meaningful leverage reduces financial flexibility and leaves the bank more exposed to changes in funding conditions or asset quality. The elevated and variable debt profile can constrain capital allocation and make future earnings and balance-sheet management more sensitive to stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained revenue expansion indicates stronger lending, investment, or fee-generation capacity across the bank’s regional franchise. The substantial multi-year increase provides a durable base for earnings growth, supports operating leverage, and suggests improving commercial relevance beyond a single reporting period.
Read all positive factors
Gunma Bank (8334) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.11T
Dividend Yield2.28%
Average Volume (3M)1.18M
Price to Earnings (P/E)17.5
Beta (1Y)1.17
Revenue Growth21.58%
EPS Growth34.90%
CountryJP
Employees2,899
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)164.83
Shares Outstanding395,888,180
10 Day Avg. Volume1,343,490
30 Day Avg. Volume1,181,550
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.27
Price to Sales (P/S)3.08
P/FCF Ratio11.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥3,445.00Price Target Upside23.99% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)181.51
Revenue Forecast (FY)¥150.45B
Gunma Bank Business Overview & Revenue Model
Company Description
Gunma Bank, Ltd. is a Japanese financial institution that delivers a diverse array of banking and financial solutions across the nation. Its operations encompass fund management activities, such as investing in various securities and sourcing capi...
How the Company Makes Money
Gunma Bank’s earnings are primarily driven by core banking activities typical of a regional bank. The main revenue stream is net interest income: the bank collects interest on loans and other interest-bearing assets (such as corporate and consumer...
Gunma Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 258.03B | 254.61B | 215.99B | 196.41B | 174.53B | 143.96B |
| Gross Profit | 194.89B | 192.15B | 163.25B | 155.87B | 158.00B | 134.59B |
| EBITDA | 89.08B | 90.33B | 67.70B | 49.17B | 45.47B | 46.65B |
| Net Income | 62.39B | 58.86B | 43.90B | 31.13B | 27.93B | 26.44B |
Balance Sheet | ||||||
| Total Assets | 10.88T | 10.86T | 10.56T | 10.82T | 10.66T | 11.15T |
| Cash, Cash Equivalents and Short-Term Investments | 1.34T | 1.37T | 1.28T | 1.84T | 1.83T | 2.65T |
| Total Debt | 1.25T | 1.36T | 1.10T | 1.65T | 1.02T | 4.17T |
| Total Liabilities | 10.25T | 10.24T | 9.99T | 10.25T | 10.15T | 10.62T |
| Stockholders Equity | 632.40B | 619.32B | 562.94B | 573.09B | 515.81B | 529.25B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 71.20B | -603.17B | 22.76B | -661.97B | 453.61B |
| Operating Cash Flow | 0.00 | 76.58B | -597.11B | 27.10B | -656.17B | 459.59B |
| Investing Cash Flow | 0.00 | -123.21B | 54.96B | 411.00B | -153.32B | -127.81B |
| Financing Cash Flow | 0.00 | 123.12B | -32.30B | -13.53B | -8.07B | -9.28B |
Gunma Bank Technical Analysis
Positive
2778.50
Price Trends
2796.74
Positive
2571.89
Positive
2291.02
Positive
Market Momentum
60.49
Positive
48.20
Neutral
13.71
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8334, the sentiment is Positive. The current price of 2778.5 is below the 20-day moving average (MA) of 2978.56, below the 50-day MA of 2796.74, and above the 200-day MA of 2291.02, indicating a neutral trend. The MACD of 60.49 indicates Positive momentum. The RSI at 48.20 is Neutral, neither overbought nor oversold. The STOCH value of 13.71 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8334.
Gunma Bank Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥1.41T | 15.99 | ― | 2.29% | 25.45% | 61.40% | |
72 Outperform | ¥1.19T | 16.41 | 6.46% | 2.68% | 19.96% | 40.57% | |
70 Outperform | ¥700.69B | 15.25 | ― | 2.78% | 25.87% | 26.22% | |
70 Outperform | ¥1.09T | 15.78 | ― | 1.90% | 13.26% | 3.10% | |
68 Neutral | ¥1.11T | 17.52 | 10.16% | 2.28% | 21.58% | 34.90% | |
67 Neutral | ¥707.06B | 14.46 | ― | 2.89% | 17.99% | 49.43% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8334
Gunma Bank
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Gunma Bank Corporate Events
Gunma Bank Sets Extraordinary Meeting to Approve Share Exchange and Governance Changes
Sep 24, 2026
The Gunma Bank has convened an extraordinary general shareholders meeting for December 23, 2026, at its head office in Maebashi, Japan, to vote on key structural proposals. Agenda items include approval of a share exchange agreement, amendments to...
Gunma Bank Sets Record Date for Vote on Business Integration
Aug 26, 2026
Gunma Bank has moved to formalize governance steps ahead of a planned business integration, designating September 30, 2026 as the record date for shareholders eligible to vote at an extraordinary general shareholders meeting. The bank will issue a...
Gunma Bank Delivers Profit Growth and Confirms Strong FY2026 Outlook
Aug 3, 2026
Gunma Bank reported consolidated ordinary income of ¥72.9 billion for the three months ended June 30, 2026, an 8.9% year-on-year increase, with ordinary profit rising 25.8% to ¥25.2 billion and profit attributable to owners of parent up ...
Gunma Bank Posts Strong First-Quarter Profit on Higher Net Interest Income
Aug 3, 2026
Gunma Bank reported solid results for the three months ended June 2026, with profit attributable to owners of parent rising to 17.5 billion yen, a year-on-year increase of 3.5 billion yen driven mainly by higher net interest income. The bank achie...
Gunma Bank Finalizes Treasury Share Disposal for Executive Stock Compensation
Jul 21, 2026
The Gunma Bank has completed the payment procedures for the disposal of treasury shares used in its restricted share and performance-linked stock remuneration plans for management. The move reinforces an equity-based compensation framework for dir...
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.