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Fukui Bank, Ltd.
(8362)
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Rating:68Neutral
Price Target:
¥7,859.00
▲(186.30% Upside)
Action:Downgraded
Date:07/03/26
The score is driven mainly by strong technical momentum and a clear improvement in reported earnings and revenue. Offsetting this are risk factors in fundamentals—especially cash-flow volatility and elevated leverage—while valuation is reasonable but not notably cheap and the dividend yield is modest.
Positive Factors
Accelerating Revenue Growth
Sustained revenue expansion indicates stronger lending, investment or fee activity across the regional banking franchise. Continued growth can improve operating leverage and broaden the earnings base if credit quality remains controlled.
Negative Factors
Elevated Leverage
High leverage is inherent to banking but leaves the group more exposed to credit deterioration, funding pressure and rate changes. The latest debt increase may constrain financial flexibility if asset quality or regional demand weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
Sustained revenue expansion indicates stronger lending, investment or fee activity across the regional banking franchise. Continued growth can improve operating leverage and broaden the earnings base if credit quality remains controlled.
Read all positive factors
Fukui Bank, Ltd. (8362) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥168.83B
Dividend Yield1.5%
Average Volume (3M)47.96K
Price to Earnings (P/E)15.0
Beta (1Y)1.11
Revenue Growth16.26%
EPS Growth88.25%
CountryJP
Employees1,732
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)481.24
Shares Outstanding24,144,669
10 Day Avg. Volume37,710
30 Day Avg. Volume47,963
Financial Highlights & Ratios
PEG Ratio0.50
Price to Book (P/B)0.49
Price to Sales (P/S)0.99
P/FCF Ratio2.66
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)N/A
Revenue Forecast (FY)N/A
Fukui Bank, Ltd. Business Overview & Revenue Model
Company Description
The Fukui Bank, Ltd., encompassing its various subsidiaries, offers a comprehensive range of financial and banking solutions. Its business operations are strategically divided into two main areas: Banking and Leasing. The Banking segment delivers ...
How the Company Makes Money
Fukui Bank makes money mainly through (1) net interest income—earning interest and loan-related fees on lending (e.g., corporate loans, SME finance, consumer loans, and mortgages) and investment securities, while paying interest on customer deposi...
Fukui Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 83.44B | 76.46B | 59.05B | 51.73B | 51.27B | 42.73B |
| Gross Profit | 71.44B | 64.99B | 56.12B | 50.94B | 50.15B | 42.65B |
| EBITDA | 13.48B | 15.05B | 10.43B | 7.04B | 2.05B | 4.63B |
| Net Income | 11.38B | 8.60B | 7.17B | 3.72B | 1.80B | 4.44B |
Balance Sheet | ||||||
| Total Assets | 4.38T | 4.31T | 4.29T | 4.16T | 4.00T | 4.19T |
| Cash, Cash Equivalents and Short-Term Investments | 827.73B | 807.58B | 872.38B | 896.18B | 1.11T | 1.20T |
| Total Debt | 689.76B | 690.10B | 523.51B | 572.89B | 448.32B | 647.87B |
| Total Liabilities | 4.22T | 4.16T | 4.15T | 4.02T | 3.87T | 4.05T |
| Stockholders Equity | 162.14B | 152.89B | 136.38B | 135.74B | 123.12B | 133.00B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 28.38B | 20.68B | -8.10B | -260.25B | 185.70B |
| Operating Cash Flow | 0.00 | 29.42B | 112.07B | -6.28B | -258.76B | 186.54B |
| Investing Cash Flow | 0.00 | -100.81B | -133.39B | -241.33B | 168.91B | 111.20B |
| Financing Cash Flow | 0.00 | 146.00M | -2.36B | 40.18B | -2.53B | -1.76B |
Fukui Bank, Ltd. Technical Analysis
Positive
2745.00
Price Trends
6024.60
Positive
5186.35
Positive
3977.78
Positive
Market Momentum
313.62
Negative
65.34
Neutral
80.38
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8362, the sentiment is Positive. The current price of 2745 is below the 20-day moving average (MA) of 6479.50, below the 50-day MA of 6024.60, and below the 200-day MA of 3977.78, indicating a bullish trend. The MACD of 313.62 indicates Negative momentum. The RSI at 65.34 is Neutral, neither overbought nor oversold. The STOCH value of 80.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8362.
Fukui Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥148.59B | 8.67 | ― | 3.05% | 36.24% | 144.55% | |
72 Outperform | ¥109.89B | 10.93 | ― | 2.29% | 15.70% | 63.78% | |
69 Neutral | ¥125.62B | 17.44 | ― | 2.34% | 7.73% | 24.05% | |
68 Neutral | ¥168.83B | 14.98 | ― | 2.49% | 16.26% | 88.25% | |
67 Neutral | ¥162.11B | 18.21 | ― | 3.35% | 28.83% | 38.45% | |
64 Neutral | ¥145.43B | 19.50 | ― | 2.89% | 24.86% | 73.80% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8362
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Fukui Bank, Ltd. Corporate Events
Fukui Bank Reports Mixed Movements in Capital Adequacy Ratios as of June 30, 2026
Aug 7, 2026
The Fukui Bank, Ltd., a regional Japanese lender listed on the Tokyo Stock Exchange Prime Market, reported changes in its capital adequacy metrics as of June 30, 2026. The disclosure highlights both consolidated and non-consolidated figures, under...
Fukui Bank Boosts Earnings, Raises Dividend Despite Lower Ordinary Profit
Aug 3, 2026
Fukui Bank reported a sharp rise in ordinary income to ¥25.8 billion for the three months ended June 30, 2026, up 32.1% year on year, while ordinary profit fell 43.8% to ¥2.6 billion. Profit attributable to owners of the parent nearly do...
Fukui Bank Reports ¥6.4 Billion Unrealized Securities Loss With No Change to Earnings Outlook
Jul 31, 2026
The Fukui Bank has disclosed unrealized losses of ¥6,428 million on its held-to-maturity debt securities as of the end of the first quarter for the fiscal year ending March 31, 2027, against a book value of ¥298,840 million and market va...
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.