Hachijuni Bank AI Stock Analysis
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Hachijuni Bank (8359) AI Stock Analysis
Hachijuni Bank
(TSE/TYO:8359)
The stock earns a solid score driven primarily by improving financial performance—sustained revenue and earnings growth, better profitability, and stronger cash generation—supported by constructive technicals showing a sustained uptrend above key moving averages. These positives are partially offset by only moderate ROE, still-elevated leverage typical of banks, a fair rather than clearly discounted valuation, and some historical volatility in cash flows.
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 2.78B
- Dividend Yield
- 2.76%
- Average Volume (3M)
- 1.43M
- Price to Earnings (P/E)
- 15.3
- Beta (1Y)
- 1.25
- 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
Solid revenue and earnings growth, improving profitability, deleveraging balance sheet, and materially stronger cash generation in recent years support a strong but not top-tier financial profile.
Income Statement
78PositiveBalance Sheet
65PositiveCash Flow
72Positive| 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 Positive. The current price of 2537.00 is above the 20-day moving average (MA) of 2430.70, below the 50-day MA of 2601.38, and above the 200-day MA of 2307.01, indicating a neutral trend. The MACD of -51.46 indicates Negative momentum. The RSI at 53.13 is Neutral, neither overbought nor oversold. The STOCH value of 81.92 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8359.
Hachijuni Bank Peers Comparison
Overall Rating
JP:716781Outperform- JP:835976Outperform
JP:835475.2Outperform
JP:584474Outperform
JP:583073Outperform
JP:833461Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7167 | 81Outperform | JPY 1.28T | 14.89 | ― | 2.50% | 20.96% | 46.10% |
| JP:8359 | 76Outperform | JPY 1.13T | 15.33 | 6.56% | 2.76% | 22.61% | 30.95% |
| JP:8354 | 75Outperform | JPY 1.32T | 13.57 | 9.26% | 2.76% | 27.18% | 32.25% |
| JP:5844 | 74Outperform | JPY 1.21T | 11.52 | ― | 4.48% | 18.82% | 226.00% |
| JP:5830 | 73Outperform | JPY 948.77B | 13.77 | ― | 2.14% | 18.44% | 19.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8334 | 61Neutral | JPY 958.35B | 15.00 | 10.64% | 2.62% | 18.61% | 36.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8359 | Hachijuni Bank | 2537.00 | 1016.08 | 66.81% | |
| JP:8354 | Fukuoka Financial Group | 7237.00 | 2817.34 | 63.75% | |
| JP:8334 | Gunma Bank | 2634.50 | 1039.09 | 65.13% | |
| JP:5830 | Iyogin Holdings,Inc. | 3278.00 | 947.12 | 40.63% | |
| JP:5844 | Kyoto Financial Group,Inc. | 4241.00 | 1122.66 | 36.00% | |
| JP:7167 | Mebuki Financial Group, Inc. | 1518.00 | 563.46 | 59.03% |
Hachijuni Bank Corporate Events
Hachijuni Nagano Bank Reports Strong First-Half Income Growth
Hachijuni Nagano Bank is a Japanese banking institution whose operations include lending and securities investment. It is listed on the Tokyo Stock Exchange’s Prime Market.The bank’s consolidated ordinary income for the six months ended September 30,...
Hachijuni Nagano Bank Raises Profit and Dividend Forecasts
Hachijuni Nagano Bank raised its fiscal-year 2027 consolidated ordinary profit forecast to ¥119.0 billion from ¥106.0 billion and profit attributable to owners of the parent to ¥80.0 billion from ¥73.0 billion. The non-consolidated forecasts were als...
Hachijuni Nagano Bank Reports Stronger First-Half Earnings
Hachijuni Nagano Bank reported substantially stronger consolidated results for the six months ended September 30, 2026. Ordinary income rose 32.8% year on year to ¥180,959 million, ordinary profit increased 44.0% to ¥60,408 million, and profit attrib...
Hachijuni Nagano Bank Reports October Treasury-Stock Purchases
Hachijuni Nagano Bank is a Japanese commercial bank providing financial services to individuals and businesses, with a market focus in Nagano Prefecture and surrounding areas.The bank acquired 529,200 treasury shares for ¥1.356 billion through market...
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 of appr...
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...
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