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Musashino Bank, Ltd.
(8336)
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Rating:72Outperform
Price Target:
¥3,079.00
▼(-24.26% 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
Improving profitability
Sustained mid-teen margins and stronger operating profitability indicate that the bank is converting revenue into earnings effectively. This provides a durable earnings base, although future results will still depend on loan demand, credit costs and funding conditions.
Negative Factors
Volatile cash generation
The history of sharp cash-flow swings reduces confidence in the consistency of internally generated funds. Although 2026 improved, recurring volatility could constrain capital flexibility and make earnings quality harder to assess across different operating conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Sustained mid-teen margins and stronger operating profitability indicate that the bank is converting revenue into earnings effectively. This provides a durable earnings base, although future results will still depend on loan demand, credit costs and funding conditions.
Read all positive factors
Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥284.03B
Dividend Yield2%
Average Volume (3M)283.76K
Price to Earnings (P/E)17.6
Beta (1Y)1.10
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. Volume240,550
30 Day Avg. Volume283,763
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 makes money primarily through its banking intermediation and fee-based financial services. The largest driver is generally net interest income: the bank gathers funds via customer deposits and other funding sources, then earns inter...
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
Positive
4065.00
Price Trends
2659.52
Positive
2544.91
Positive
2173.84
Positive
Market Momentum
50.56
Negative
61.14
Neutral
87.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8336, the sentiment is Positive. The current price of 4065 is above the 20-day moving average (MA) of 2742.20, above the 50-day MA of 2659.52, and above the 200-day MA of 2173.84, indicating a bullish trend. The MACD of 50.56 indicates Negative momentum. The RSI at 61.14 is Neutral, neither overbought nor oversold. The STOCH value of 87.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥489.84B | 9.37 | ― | 1.95% | 18.11% | 43.52% | |
72 Outperform | ¥284.03B | 17.56 | ― | 3.00% | 30.51% | 18.50% | |
70 Outperform | ¥1.95T | 19.58 | 8.14% | 1.89% | 31.08% | 36.63% | |
69 Neutral | ¥356.86B | 17.46 | ― | 2.55% | 22.23% | 45.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥164.70B | 20.51 | ― | 0.58% | 27.90% | 3.75% | |
66 Neutral | ¥331.86B | 19.06 | ― | 2.13% | 19.41% | 60.52% |
* Financial Sector Average
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Musashino Bank, Ltd. Corporate Events
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...
Musashino Bank Details Progress of Share Buyback After Stock Split
Jul 2, 2026
Musashino Bank, Ltd., a regional Japanese lender listed on the TSE Prime, offers standard banking services such as deposit-taking and lending to individuals and businesses in its home market. The bank actively adjusts its equity base through actio...
Musashino Bank Details Progress of Post‑Split Share Buyback Program
Jun 5, 2026
Musashino Bank has disclosed the latest status of its ongoing share repurchase program, conducted under provisions of the Companies Act that allow the board to authorize buybacks via its articles of incorporation. Following a three-for-one stock s...
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.