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Hachijuni Bank (8359) AI Stock Analysis
Hachijuni Bank
(TSE/TYO:8359)
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.
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 2.78B
- Dividend Yield
- 3.11%
- Average Volume (3M)
- 1.42M
- Price to Earnings (P/E)
- 14.3
- Beta (1Y)
- 1.26
- Revenue Growth
- 22.61%
- EPS Growth
- 30.95%
- Country
- Japan
- Employees
- 4,128
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, sa...
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 so...
Hachijuni Bank Financial Statement Overview
Summary
Strong multi-year rebound in revenue (187.4B in 2023 to 295.8B in 2026) and net income (24.1B to 64.6B), with strong margins in 2024–2025. Offsets include a still-levered balance sheet (debt-to-equity elevated historically and total debt rising again in 2026) and cash flow volatility (negative operating/free cash flow in 2024 followed by large rebounds).
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
71Positive| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 275.26B | 242.53B | 295.77B | 214.44B | 187.40B | 140.75B |
| Gross Profit | 224.34B | 196.70B | 241.57B | 176.30B | 165.06B | 134.65B |
| EBITDA | 87.77B | 71.05B | 85.96B | 56.79B | 40.29B | 43.60B |
| Net Income | 63.88B | 47.98B | 64.57B | 37.07B | 24.14B | 26.67B |
Balance Sheet | ||||||
| Total Assets | 13.60T | 13.52T | 13.55T | 14.83T | 12.96T | 13.34T |
| Cash, Cash Equivalents and Short-Term Investments | 2.93T | 3.03T | 2.91T | 3.72T | 3.60T | 4.05T |
| Total Debt | 2.24T | 2.18T | 2.27T | 3.29T | 3.05T | 3.59T |
| Total Liabilities | 12.53T | 12.55T | 12.40T | 13.71T | 12.05T | 12.43T |
| Stockholders Equity | 1.06T | 963.51B | 1.15T | 1.11T | 913.12B | 909.20B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 95.73B | 458.09B | -36.03B | 6.61B | 12.55B |
| Operating Cash Flow | 0 | 105.25B | 469.91B | -27.48B | 13.97B | 20.78B |
| Investing Cash Flow | 0 | 129.06B | 13.99B | -327.81B | -13.10B | -352.81B |
| Financing Cash Flow | 0 | -915.67B | -719.32B | 456.42B | -446.08B | 1.63T |
Hachijuni Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8359, the sentiment is Negative. The current price of 2250.00 is below the 20-day moving average (MA) of 2457.15, below the 50-day MA of 2609.07, and below the 200-day MA of 2297.20, indicating a bearish trend. The MACD of -78.55 indicates Positive momentum. The RSI at 32.69 is Neutral, neither overbought nor oversold. The STOCH value of 52.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8359.
Hachijuni Bank Peers Comparison
Overall Rating
JP:583078Outperform
JP:833478Outperform
JP:716775Outperform- JP:835972Outperform
JP:584467Neutral
JP:835463Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:5830 | 78Outperform | JPY 975.43B | 12.49 | ― | 2.40% | 18.44% | 19.46% |
| JP:8334 | 78Outperform | JPY 977.76B | 14.53 | 10.16% | 2.80% | 21.58% | 34.90% |
| JP:7167 | 75Outperform | JPY 1.26T | 13.40 | ― | 2.76% | 25.45% | 61.40% |
| JP:8359 | 72Outperform | JPY 1.11T | 14.27 | 6.46% | 3.11% | 22.61% | 30.95% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:5844 | 67Neutral | JPY 1.20T | 10.54 | ― | 4.93% | 18.82% | 226.00% |
| JP:8354 | 63Neutral | JPY 1.32T | 13.31 | 8.55% | 3.11% | 22.40% | 23.35% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8359 | Hachijuni Bank | 2250.00 | 739.75 | 48.98% | |
| JP:8354 | Fukuoka Financial Group | 6432.00 | 2002.61 | 45.21% | |
| JP:8334 | Gunma Bank | 2394.50 | 841.51 | 54.19% | |
| JP:5830 | Iyogin Holdings,Inc. | 2921.50 | 607.77 | 26.27% | |
| JP:5844 | Kyoto Financial Group,Inc. | 3851.00 | 777.73 | 25.31% | |
| JP:7167 | Mebuki Financial Group, Inc. | 1375.00 | 454.39 | 49.36% |
Hachijuni Bank Corporate Events
Hachijuni Nagano Bank Advances Share Buyback, Passing Midpoint of Authorized Program
Hachijuni Nagano Bank, Ltd. reported the status of its ongoing share buyback program authorized under Japan’s Companies Act, detailing that it acquired 420,600 common shares in the market between September 1 and September 30, 2026 for a total o...
Hachijuni Nagano Bank Updates Progress on ¥10 Billion Share Buyback
Hachijuni Nagano Bank has reported the latest progress in its ongoing share buyback program, conducted under the Companies Act via market purchases of its common stock. The disclosure outlines treasury stock acquisitions made in August 2026 as part o...
Hachijuni Nagano Bank Strengthens Capital Ratios as of June 30, 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 0.86...
Hachijuni Nagano Bank Reports Progress on 2026 Share Buyback Program
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 sh...
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