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Gunma Bank
(8334)
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Rating:68Neutral
Price Target:
¥3,017.00
▲(8.58% 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
Sustained Profitability Growth
The multi-year expansion in revenue and net income indicates stronger earnings capacity across the banking franchise. Higher scale and improved profitability can support reinvestment, capital accumulation, and resilience over the next several quarters.
Negative Factors
Elevated Leverage
A high leverage profile leaves less balance-sheet flexibility if credit losses rise or funding conditions weaken. It can also constrain incremental lending and make earnings more sensitive to changes in asset quality and interest-rate conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability Growth
The multi-year expansion in revenue and net income indicates stronger earnings capacity across the banking franchise. Higher scale and improved profitability can support reinvestment, capital accumulation, and resilience over the next several quarters.
Read all positive factors
Gunma Bank (8334) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.06T
Dividend Yield2.23%
Average Volume (3M)1.14M
Price to Earnings (P/E)16.9
Beta (1Y)1.01
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. Volume961,470
30 Day Avg. Volume1,136,676
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
¥2,900.00Price Target Upside4.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)173.79
Revenue Forecast (FY)¥138.00B
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 Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.21T | 16.90 | 6.08% | 1.80% | 19.96% | 40.57% | |
70 Outperform | ¥713.01B | 15.25 | ― | 3.21% | 25.87% | 26.22% | |
70 Outperform | ¥1.19T | 16.80 | ― | 2.10% | 13.26% | 3.10% | |
68 Neutral | ¥1.06T | 16.92 | 9.80% | 2.33% | 21.58% | 34.90% | |
67 Neutral | ¥694.68B | 14.20 | ― | 3.15% | 17.99% | 49.43% | |
66 Neutral | ¥1.46T | 16.44 | ― | 2.00% | 25.45% | 61.40% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8334
Gunma Bank
2,781.50
1,277.88
84.99%
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Gunma Bank Corporate Events
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...
Gunma Bank to Dispose of Treasury Stock for Executive Share-Based Pay
Jun 23, 2026
The Gunma Bank has approved the disposal of treasury stock to fund restricted share and performance-linked stock remuneration for its directors and executive officers, issuing a total of 47,267 common shares at ¥2,335 per share. The program i...
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.