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Musashino Bank, Ltd.
(8336)
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Rating:72Outperform
Price Target:
¥2,745.00
▼(-32.47% Downside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving financial fundamentals (stronger profitability trends and a significantly healthier leverage profile), supported by bullish technicals with the stock trading above key moving averages and positive momentum indicators. Offsetting these positives, cash-flow consistency remains a key risk factor, and valuation is only moderate with a modest dividend yield.
Positive Factors
Sustained Profitability
Stable mid-teen net margins indicate that Musashino Bank is converting revenue into earnings with reasonable consistency. Maintaining profitability while operating performance strengthens supports internal capital formation and provides a durable base for continued lending and investment.
Negative Factors
Volatile Cash Generation
Cash generation has not been consistently dependable across recent years, despite a stronger 2026 rebound. This volatility makes it harder to assess recurring internal funding capacity and can constrain confidence in the durability of earnings conversion and capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
Stable mid-teen net margins indicate that Musashino Bank is converting revenue into earnings with reasonable consistency. Maintaining profitability while operating performance strengthens supports internal capital formation and provides a durable base for continued lending and investment.
Read all positive factors
Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥251.76B
Dividend Yield2.82%
Average Volume (3M)240.64K
Price to Earnings (P/E)15.7
Beta (1Y)1.21
Revenue Growth30.51%
EPS Growth18.50%
CountryJP
Employees2,043
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)161.38
Shares Outstanding100,216,370
10 Day Avg. Volume254,160
30 Day Avg. Volume240,636
Financial Highlights & Ratios
PEG Ratio0.77
Price to Book (P/B)0.74
Price to Sales (P/S)2.23
P/FCF Ratio5.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Musashino Bank, Ltd. Business Overview & Revenue Model
Company Description
The Musashino Bank, Ltd., operating with its subsidiaries, provides a comprehensive suite of banking and financial services throughout Japan. Its primary offerings encompass a variety of deposit products, loans, and loan guarantees, complemented b...
How the Company Makes Money
Musashino Bank primarily makes money through (1) net interest income and (2) non-interest (fee) income, with additional contributions from securities/investment activities.
1) Net interest income (core earnings driver)
- Deposit-taking and lendin...
Musashino Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.71B | 92.75B | 78.55B | 68.99B | 70.42B | 57.27B |
| Gross Profit | 85.42B | 75.57B | 70.32B | 64.33B | 66.56B | 54.03B |
| EBITDA | 25.58B | 26.87B | 22.06B | 20.16B | 19.28B | 16.51B |
| Net Income | 15.93B | 15.41B | 13.15B | 11.26B | 10.87B | 9.00B |
Balance Sheet | ||||||
| Total Assets | 5.62T | 5.65T | 5.47T | 5.40T | 5.33T | 5.49T |
| Cash, Cash Equivalents and Short-Term Investments | 163.31B | 218.96B | 161.49B | 230.92B | 484.39B | 790.92B |
| Total Debt | 83.44B | 105.87B | 76.45B | 70.92B | 133.58B | 415.30B |
| Total Liabilities | 5.34T | 5.37T | 5.21T | 5.13T | 5.07T | 5.24T |
| Stockholders Equity | 274.42B | 280.44B | 267.93B | 274.10B | 252.88B | 250.52B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 36.94B | 19.62B | 2.85B | -227.94B | 110.83B |
| Operating Cash Flow | 0.00 | 37.85B | 20.54B | 4.60B | -225.62B | 124.33B |
| Investing Cash Flow | 0.00 | -118.12B | -158.54B | -219.48B | -77.62B | -70.81B |
| Financing Cash Flow | 0.00 | 136.26B | 68.31B | 117.50B | -3.24B | -2.66B |
Musashino Bank, Ltd. Technical Analysis
Negative
4065.00
Price Trends
2757.80
Negative
2638.31
Negative
2356.78
Positive
Market Momentum
-71.11
Positive
36.42
Neutral
20.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8336, the sentiment is Negative. The current price of 4065 is above the 20-day moving average (MA) of 2770.10, above the 50-day MA of 2757.80, and above the 200-day MA of 2356.78, indicating a neutral trend. The MACD of -71.11 indicates Positive momentum. The RSI at 36.42 is Neutral, neither overbought nor oversold. The STOCH value of 20.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8336.
Musashino Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥251.76B | 15.71 | ― | 2.82% | 30.51% | 18.50% | |
70 Outperform | ¥1.64T | 16.57 | 8.14% | 2.50% | 31.08% | 36.63% | |
69 Neutral | ¥299.86B | 14.90 | ― | 2.53% | 22.23% | 45.07% | |
68 Neutral | ¥409.84B | 7.94 | ― | 1.81% | 18.11% | 43.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥141.18B | 17.74 | ― | 0.42% | 27.90% | 3.75% | |
66 Neutral | ¥279.72B | 16.21 | ― | 2.32% | 19.41% | 60.52% |
* Financial Sector Average
JP:8336
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Musashino Bank, Ltd. Corporate Events
Musashino Bank Pauses Monthly Buybacks While Maintaining Ongoing Share Repurchase Program
Oct 2, 2026
Musashino Bank reported that it conducted no share repurchases in September 2026, despite having an ongoing board-approved buyback program allowing open-market purchases on the Tokyo Stock Exchange through December 30, 2026. The absence of repurch...
Musashino Bank Reports August Pause in Share Buybacks Amid Ongoing Repurchase Program
Sep 2, 2026
Musashino Bank, a regional Japanese commercial bank listed on the TSE Prime market, focuses on deposit-taking, lending, and related financial services for local customers and businesses. It actively manages its capital structure, including share r...
Musashino Bank’s Capital Adequacy Ratios Edge Higher in First Quarter
Aug 12, 2026
Musashino Bank reported its consolidated capital adequacy ratio at 13.52% as of June 30, 2026, slightly up from 13.41% at the end of March, with capital rising to ¥245.2 billion and risk-weighted assets increasing to ¥1,813.6 billion. On...
Musashino Bank Reports July Pause in Ongoing Share Buyback Program
Aug 4, 2026
Musashino Bank reported that it did not repurchase any of its common stock in July 2026, despite having authorization for a buyback program under Japan’s Companies Act. The inactivity in July comes within a broader Board-approved plan runnin...
Musashino Bank Posts Strong Q1 Profit and Raises Full-Year Outlook After Share Split
Jul 30, 2026
Musashino Bank reported a sharp increase in ordinary income and profit for the three months to June 30, 2026, with ordinary income up 63.9% year on year and ordinary profit up 47.1%. Profit attributable to owners of parent rose 12.4%, while earnin...
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.