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Hachijuni Bank
(8359)
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Rating:72Outperform
Price Target:
¥2,995.00
▲(12.45% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving fundamentals—strong multi-year revenue and net income growth alongside a strengthening equity base—partly tempered by leverage/cash-flow volatility typical of banks. Technicals are supportive with a clear uptrend and positive momentum, while valuation is reasonable but not notably cheap and the dividend yield is modest.
Positive Factors
Multi-year revenue and earnings growth
The sustained, accelerating increase in revenue and profit indicates stronger earning capacity across the regional banking franchise. If retained, this growth can support capital formation and investment in customer lending and fee services over the next several quarters.
Negative Factors
Elevated leverage
Although equity has improved, debt-to-equity remained elevated through 2024 and total debt rose again in 2026. This leverage can constrain resilience and financial flexibility if credit losses rise, funding costs increase, or asset quality weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and earnings growth
The sustained, accelerating increase in revenue and profit indicates stronger earning capacity across the regional banking franchise. If retained, this growth can support capital formation and investment in customer lending and fee services over the next several quarters.
Read all positive factors
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.21T
Dividend Yield1.8%
Average Volume (3M)1.12M
Price to Earnings (P/E)16.9
Beta (1Y)1.17
Revenue Growth19.96%
EPS Growth40.57%
CountryJP
Employees4,128
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)157.69
Shares Outstanding493,767,430
10 Day Avg. Volume1,136,670
30 Day Avg. Volume1,121,530
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.76
Price to Sales (P/S)2.98
P/FCF Ratio1.92
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)170.86
Revenue Forecast (FY)¥341.40B
Hachijuni Bank Business Overview & Revenue Model
Company Description
The Hachijuni Bank, Ltd. provides a comprehensive array of financial products and services, serving individual clients, corporate entities, and independent entrepreneurs. Its offerings encompass a diverse range of deposit accounts, including time,...
How the Company Makes Money
Hachijuni Bank primarily earns money through interest-based banking activities and fee-based financial services. Its largest and most fundamental revenue engine is net interest income: the bank gathers funds via customer deposits and other funding...
Hachijuni Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 317.35B | 295.77B | 242.53B | 214.44B | 187.40B | 140.75B |
| Gross Profit | 260.36B | 241.57B | 196.70B | 176.30B | 165.06B | 134.65B |
| EBITDA | 93.29B | 85.96B | 71.05B | 56.79B | 40.29B | 43.62B |
| Net Income | 71.87B | 64.57B | 47.98B | 37.07B | 24.14B | 26.67B |
Balance Sheet | ||||||
| Total Assets | 13.72T | 13.55T | 13.52T | 14.83T | 12.96T | 13.34T |
| Cash, Cash Equivalents and Short-Term Investments | 2.80T | 2.91T | 3.03T | 3.72T | 3.60T | 4.05T |
| Total Debt | 2.12T | 2.27T | 2.18T | 3.29T | 3.05T | 3.59T |
| Total Liabilities | 12.51T | 12.40T | 12.55T | 13.71T | 12.05T | 12.43T |
| Stockholders Equity | 1.20T | 1.15T | 963.51B | 1.11T | 913.12B | 909.20B |
Cash Flow | ||||||
| Free Cash Flow | 458.09B | 458.09B | 95.73B | -36.03B | 6.61B | 12.55B |
| Operating Cash Flow | 469.91B | 469.91B | 105.25B | -27.48B | 13.97B | 20.78B |
| Investing Cash Flow | 13.99B | 13.99B | 129.06B | -327.81B | -13.10B | -352.81B |
| Financing Cash Flow | -719.32B | -719.32B | -915.67B | 456.42B | -446.08B | 1.63T |
Hachijuni Bank Technical Analysis
Positive
2663.50
Price Trends
2539.74
Positive
2380.41
Positive
2086.94
Positive
Market Momentum
24.92
Positive
56.90
Neutral
43.01
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8359, the sentiment is Positive. The current price of 2663.5 is above the 20-day moving average (MA) of 2594.15, above the 50-day MA of 2539.74, and above the 200-day MA of 2086.94, indicating a bullish trend. The MACD of 24.92 indicates Positive momentum. The RSI at 56.90 is Neutral, neither overbought nor oversold. The STOCH value of 43.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8359.
Hachijuni Bank Peers Comparison
UnderperformOutperform
Sector (68)
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 | ¥1.19T | 16.80 | ― | 2.10% | 13.26% | 3.10% | |
70 Outperform | ¥1.43T | 13.32 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | ¥1.06T | 16.92 | 9.80% | 2.33% | 21.58% | 34.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.46T | 16.44 | ― | 2.00% | 25.45% | 61.40% | |
65 Neutral | ¥1.49T | 16.02 | 8.30% | 2.38% | 22.40% | 23.35% |
* Financial Sector Average
JP:8359
Hachijuni Bank
2,663.50
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91.73%
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Hachijuni Bank Corporate Events
Hachijuni Nagano Bank Strengthens Capital Ratios as of June 30, 2026
Aug 7, 2026
Hachijuni Nagano Bank has reported a substantial improvement in its capital adequacy as of June 30, 2026, under the international standard. On a consolidated basis, its total capital, Tier 1 and Common Equity Tier 1 ratios all rose to 17.58%, up 0...
Hachijuni Nagano Bank Reports Progress on 2026 Share Buyback Program
Aug 5, 2026
Hachijuni Nagano Bank has announced the progress of its authorized share buyback program, detailing treasury stock acquisitions conducted under the Japanese Companies Act. The initiative reflects an effort to optimize capital structure and enhance...
Hachijuni Nagano Bank Delivers Strong Q1 Results and Lifts Dividend Outlook
Jul 31, 2026
Hachijuni Nagano Bank reported a strong start to fiscal 2026, with ordinary income rising 24.7% year on year to ¥90.6 billion and ordinary profit surging 58.5% to ¥36.7 billion in the quarter ended June 30. Profit attributable to owners ...
Hachijuni Nagano Bank Completes Restricted Stock Compensation Share Disposal
Jul 17, 2026
Hachijuni Nagano Bank, Ltd. has completed the payment procedures for the disposal of treasury stock used as restricted stock compensation, following a resolution passed by its board of directors in late June 2026. The move forms part of the bank&#...
Hachijuni Nagano Bank Advances Treasury Stock Buyback Program
Jul 3, 2026
Hachijuni Nagano Bank has disclosed the latest progress of its share buyback program authorized under the Companies Act, detailing treasury stock purchases conducted in June 2026. The bank acquired 570,000 shares of its common stock on the market ...
Hachijuni Nagano Bank Ties Executive Pay to Long-Term Stock Performance with Restricted Share Plan
Jun 26, 2026
Hachijuni Nagano Bank has approved the disposal of 41,549 shares of its treasury stock to implement a restricted stock compensation plan for four internal directors and sixteen executive officers, at a disposal price of 2,355.5 yen per share and a...
Hachijuni Nagano Bank Reports Progress on Share Buyback Program
Jun 3, 2026
Hachijuni Nagano Bank has disclosed progress on its share buyback program authorized under Japan’s Companies Act, detailing the acquisition of 240,000 shares of its common stock between May 18 and May 31, 2026, for a total of approximately &...
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.