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Fukuoka Financial Group
(8354)
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Rating:65Neutral
Price Target:
¥7,181.00
▼(-8.48% Downside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed fundamentals—strong recent revenue and earnings momentum, but meaningfully offset by high leverage and inconsistent cash-flow conversion. Technicals are supportive with price above major moving averages and positive momentum indicators, while valuation appears reasonable with a moderate dividend yield.
Positive Factors
Accelerating Revenue Growth
The sharp acceleration in revenue indicates stronger business activity across the group’s banking and financial-service operations. If sustained, higher revenue can support operating leverage, reinforce customer relationships, and provide a broader base for future earnings growth.
Negative Factors
High Balance-Sheet Leverage
Leverage at roughly nine to ten times equity leaves the group with limited balance-sheet flexibility relative to its capital base. Adverse credit conditions or higher funding costs could therefore place greater pressure on resilience, lending capacity, and returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
The sharp acceleration in revenue indicates stronger business activity across the group’s banking and financial-service operations. If sustained, higher revenue can support operating leverage, reinforce customer relationships, and provide a broader base for future earnings growth.
Read all positive factors
Fukuoka Financial Group (8354) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.31T
Dividend Yield2.9%
Average Volume (3M)751.76K
Price to Earnings (P/E)14.3
Beta (1Y)1.43
Revenue Growth22.40%
EPS Growth23.35%
CountryJP
Employees8,050
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)483.14
Shares Outstanding191,138,260
10 Day Avg. Volume770,950
30 Day Avg. Volume751,763
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)1.03
Price to Sales (P/S)1.80
P/FCF Ratio61.76
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)578.91
Revenue Forecast (FY)¥332.67B
Fukuoka Financial Group Business Overview & Revenue Model
Company Description
Fukuoka Financial Group, Inc. delivers a comprehensive array of banking solutions to both individual and corporate clients. Its offerings encompass the acceptance of diverse deposits, including current, ordinary, demand, time, and negotiable certi...
How the Company Makes Money
Fukuoka Financial Group makes money primarily through its banking operations and related financial services delivered by its consolidated subsidiaries. Its core earnings are generated from (1) interest-based income—earning interest on loans and ot...
Fukuoka Financial Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 627.61B | 617.38B | 448.33B | 441.71B | 318.16B | 273.20B |
| Gross Profit | 433.61B | 420.38B | 312.43B | 311.35B | 267.65B | 260.07B |
| EBITDA | 128.77B | 133.74B | 117.31B | 90.11B | 57.20B | 87.44B |
| Net Income | 91.31B | 85.43B | 72.14B | 61.18B | 31.15B | 54.12B |
Balance Sheet | ||||||
| Total Assets | 33.10T | 33.56T | 32.26T | 32.65T | 29.92T | 29.17T |
| Cash, Cash Equivalents and Short-Term Investments | 6.39T | 7.13T | 7.16T | 8.45T | 7.71T | 7.85T |
| Total Debt | 9.03T | 10.08T | 9.08T | 9.57T | 7.07T | 5.37T |
| Total Liabilities | 31.98T | 32.48T | 31.33T | 31.63T | 29.02T | 28.23T |
| Stockholders Equity | 1.13T | 1.08T | 929.18B | 1.02T | 900.41B | 940.93B |
Cash Flow | ||||||
| Free Cash Flow | 18.03B | 18.03B | 249.94B | -69.00B | 112.19B | 84.42B |
| Operating Cash Flow | 28.65B | 28.65B | 256.24B | -58.69B | 115.72B | 88.91B |
| Investing Cash Flow | -1.11T | -1.11T | -1.17T | -1.23T | -988.70B | 58.98B |
| Financing Cash Flow | 1.03T | 1.03T | -375.25B | 1.96T | 740.86B | 1.62T |
Fukuoka Financial Group Technical Analysis
Negative
7846.00
Price Trends
7532.31
Negative
7317.82
Negative
6710.53
Positive
Market Momentum
-231.82
Positive
38.77
Neutral
44.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8354, the sentiment is Negative. The current price of 7846 is above the 20-day moving average (MA) of 7339.00, above the 50-day MA of 7532.31, and above the 200-day MA of 6710.53, indicating a neutral trend. The MACD of -231.82 indicates Positive momentum. The RSI at 38.77 is Neutral, neither overbought nor oversold. The STOCH value of 44.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8354.
Fukuoka Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.66T | 16.37 | ― | 3.11% | 18.19% | 34.30% | |
70 Outperform | ¥1.70T | 17.15 | 8.14% | 2.41% | 31.08% | 36.63% | |
70 Outperform | ¥1.21T | 11.30 | ― | 4.60% | 18.82% | 226.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.29T | 14.67 | ― | 2.55% | 25.45% | 61.40% | |
65 Neutral | ¥1.31T | 14.26 | 8.55% | 2.90% | 22.40% | 23.35% | |
63 Neutral | ¥663.41B | 17.73 | 4.82% | 2.32% | 14.57% | 7.83% |
* Financial Sector Average
JP:8354
Fukuoka Financial Group
6,891.00
2,584.09
60.00%
JP:8331
Chiba Bank
2,486.50
1,037.46
71.60%
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Kyushu Financial Group
1,511.50
669.44
79.50%
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Shizuoka Financial Group, Inc.
3,053.00
1,070.02
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4,128.00
1,233.09
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1,488.50
589.92
65.65%
Fukuoka Financial Group Corporate Events
Fukuoka Financial Group Strengthens Capital Ratios Across Regional Banking Network
Aug 12, 2026
Fukuoka Financial Group reported a consolidated capital adequacy ratio of 11.66% as of June 30, 2026, slightly higher than at the end of March, supported by an increase in core capital to ¥1,088.5 billion and a modest rise in risk-weighted as...
Fukuoka Financial Group Lifts Earnings and Dividend Outlook for FY2026
Aug 7, 2026
Fukuoka Financial Group reported solid first-quarter results for fiscal 2026, with ordinary income, ordinary profit and net income attributable to owners of the parent all rising year on year, supported by higher comprehensive income. The balance ...
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.