Musashino Bank, Ltd. AI Stock Analysis
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Musashino Bank, Ltd. (8336) AI Stock Analysis
Musashino Bank, Ltd.
(TSE/TYO:8336)
The overall score of 75 reflects Musashino Bank's solid financial health, positive technical trends, and reasonable valuation. Key strengths include robust revenue growth, a conservative balance sheet, and healthy cash flow. The stock is in a bullish technical position, trading above all major moving averages. While the P/E is slightly high, the dividend yield and strong fundamentals justify a fair valuation. Minor concerns include declining gross margin and modest ROE, but overall the bank is well-positioned.
Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 245.91B
- Dividend Yield
- 2.88%
- Average Volume (3M)
- 279.07K
- Price to Earnings (P/E)
- 14.1
- Beta (1Y)
- 1.24
- Revenue Growth
- 36.61%
- EPS Growth
- 25.72%
- Country
- Japan
- Employees
- 2,043
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 by c...
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 lending sp...
Musashino Bank, Ltd. Financial Statement Overview
Summary
Revenue growth remains strong (26.6% in fiscal 2026) with net profit margin at a six-year high of 16.6%. Balance sheet is conservative with low debt (D/E 0.38) and solid asset base. Cash flow generation is healthy, exceeding net income. However, gross margin decline and modest ROE (5.5%) are areas to monitor. Overall sound financial position with positive momentum.
Income Statement
68PositiveBalance Sheet
80PositiveCash Flow
72Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 108.01B | 92.75B | 78.55B | 68.99B | 70.42B | 57.27B |
| Gross Profit | 90.70B | 75.57B | 70.32B | 64.33B | 66.56B | 54.03B |
| EBITDA | 28.08B | 26.87B | 22.06B | 20.16B | 19.28B | 16.51B |
| Net Income | 17.67B | 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 | 129.64B | 218.96B | 161.49B | 230.92B | 484.39B | 790.92B |
| Total Debt | 81.60B | 105.87B | 76.45B | 70.92B | 133.58B | 415.30B |
| Total Liabilities | 5.35T | 5.37T | 5.21T | 5.13T | 5.07T | 5.24T |
| Stockholders Equity | 274.88B | 280.44B | 267.93B | 274.10B | 252.88B | 250.52B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 36.94B | 19.62B | 2.85B | -227.94B | 110.83B |
| Operating Cash Flow | 0 | 37.85B | 20.54B | 4.60B | -225.62B | 124.33B |
| Investing Cash Flow | 0 | -118.12B | -158.54B | -219.48B | -77.62B | -70.81B |
| Financing Cash Flow | 0 | 136.26B | 68.31B | 117.50B | -3.24B | -2.66B |
Musashino Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8336, the sentiment is Neutral. The current price of 2534.00 is below the 20-day moving average (MA) of 2536.30, below the 50-day MA of 2708.26, and above the 200-day MA of 2411.01, indicating a neutral trend. The MACD of -66.28 indicates Negative momentum. The RSI at 46.58 is Neutral, neither overbought nor oversold. The STOCH value of 82.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8336.
Musashino Bank, Ltd. Peers Comparison
Overall Rating
JP:838682.5Outperform- JP:833675Outperform
JP:833172Outperform
JP:717363Neutral
JP:854462Neutral
JP:833756Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8386 | 83Outperform | JPY 323.12B | 14.07 | ― | 2.68% | 21.78% | 44.50% |
| JP:8336 | 75Outperform | JPY 254.56B | 14.07 | ― | 2.88% | 36.61% | 25.72% |
| JP:8331 | 72Outperform | JPY 1.77T | 16.90 | 8.43% | 2.31% | 28.18% | 35.05% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:7173 | 63Neutral | JPY 423.41B | 8.76 | ― | 1.75% | 14.90% | 8.34% |
| JP:8544 | 62Neutral | JPY 270.56B | 16.03 | ― | 2.40% | 24.49% | 29.78% |
| JP:8337 | 56Neutral | JPY 150.36B | 16.18 | ― | 0.39% | 21.31% | 18.00% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8336 | Musashino Bank, Ltd. | 2534.00 | 1104.72 | 77.29% | |
| JP:8331 | Chiba Bank | 2599.50 | 1069.01 | 69.85% | |
| JP:7173 | Tokyo Kiraboshi Financial Group, Inc. | 1466.50 | 498.42 | 51.49% | |
| JP:8337 | Chiba Kogyo Bank, Ltd. | 2554.00 | 1047.50 | 69.53% | |
| JP:8386 | Hyakujushi Bank, Ltd. | 2854.00 | 1435.28 | 101.17% | |
| JP:8544 | Keiyo Bank, Ltd. | 2337.00 | 964.75 | 70.30% |
Musashino Bank, Ltd. Corporate Events
Musashino Bank Reports No October Share Repurchases
Musashino Bank reported no repurchases of common stock in October 2026, leaving monthly purchases at zero shares and ¥0. Under its board-approved program, which allows purchases of up to 6 million shares for ¥10 billion, cumulative purchases reached...
Musashino Bank Reports Strong First-Half Profit Growth
The bank reported strong first-half results for the six months ended September 30, 2026, with ordinary income rising 48.2% year over year to ¥72.5 billion, ordinary profit increasing 44.4% to ¥16.9 billion, and profit attributable to owners of the pa...
Musashino Bank Raises Interim Dividend to ¥43 per Share
Musashino Bank is a regional financial institution in Japan that provides banking and financial services, primarily supporting customers and businesses in the Saitama market.The bank approved an interim dividend of ¥43 per share for shareholders of r...
Musashino Bank Raises Fiscal 2027 Profit Forecasts
Musashino Bank raised its consolidated fiscal 2027 forecasts, lifting ordinary income by ¥2.0 billion to ¥129.0 billion, ordinary profit by ¥2.0 billion to ¥32.2 billion, and profit attributable to owners by ¥1.3 billion to ¥20.8 billion. Basic earni...
Musashino Bank Exceeds First-Half Forecasts on Stronger Income
Musashino Bank is a regional Japanese bank serving customers and businesses through deposits, lending and other financial services, with a primary focus on Saitama Prefecture and neighboring markets.For the six months ended September 30, 2026, non-co...
Musashino Bank Pauses Monthly Buybacks While Maintaining Ongoing Share Repurchase Program
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 repurchase...
Musashino Bank Reports August Pause in Share Buybacks Amid Ongoing Repurchase Program
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 repu...
Musashino Bank’s Capital Adequacy Ratios Edge Higher in First Quarter
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 a non-consol...
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