Fukui Bank, Ltd. (8362) AI Stock Analysis

• Market Cap: ¥40.11B
• Dividend Yield: 3.44%
• Average Volume (3M): 54.38K
• Price to Earnings (P/E): 5.5
• Beta (1Y): 0.91
• Revenue Growth: 3.71%
• EPS Growth: 145.88%
• Country: JP
• Employees: 1,770
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 68.52
• Shares Outstanding: 24,144,669
• 10 Day Avg. Volume: 39,480
• 30 Day Avg. Volume: 54,380
• PEG Ratio: -0.49
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Fukui Bank, Ltd. shows strong financial performance with consistent revenue growth and a stable balance sheet, though it faces challenges in cash flow management. The stock's valuation is attractive, with a low P/E ratio and a solid dividend yield, offering growth potential and income. However, technical indicators suggest bearish momentum, which could affect short-term stock performance. Overall, the stock is positioned well for long-term gains, but investors should monitor cash flow improvements and market trends.

Fukui Bank, Ltd. Business Overview & Revenue Model

Company Description

The Fukui Bank, Ltd., together with its subsidiaries, provides various banking products and services. It operates through Banking and Leasing segments. The Banking segment offers deposits; lending services; credit cards; and domestic and foreign exchange, and credit guarantee services. The Leasing segment leases industrial machinery, computers, and office equipment. The company was incorporated in 1899 and is headquartered in Fukui, Japan.

How the Company Makes Money

Fukui Bank, Ltd. generates revenue primarily through interest income on loans and advances to customers, as well as fees and commissions from various banking services. The bank earns interest income by providing loans to individuals and businesses at a higher interest rate than it pays on customer deposits. Additionally, it collects fees for services such as account management, transaction processing, and financial advisory. Fukui Bank may also engage in securities trading and investments, contributing to its non-interest income. The bank's earnings are influenced by regional economic conditions, interest rate fluctuations, and its ability to maintain a competitive edge in service offerings.

Fukui Bank, Ltd. Financial Statement Overview

Summary

Fukui Bank, Ltd. demonstrates a robust financial performance with steady revenue growth and effective cost management. The balance sheet is stable with a reasonable leverage position, though high liabilities warrant attention. Cash flow management appears to be a challenge, with inconsistent free cash flow and operating cash flow ratios that need improvement. Overall, the company is on a positive trajectory but should focus on enhancing cash flow stability.

Income Statement

The income statement shows a positive trajectory with consistent revenue growth over the years. The Gross Profit Margin is strong, indicating effective cost management. The TTM data reveals a significant increase in EBIT, contributing to a healthy EBIT Margin. However, the Net Profit Margin is moderate, suggesting room for improvement in net income efficiency.

Balance Sheet

The balance sheet reflects a solid equity position with a stable Equity Ratio. The Debt-to-Equity Ratio is manageable, indicating a balanced approach to leveraging. Return on Equity is improving, highlighting increased profitability from shareholder investments. However, total liabilities are high, which could pose risks if not managed carefully.

Cash Flow

Cash flow analysis indicates fluctuations in free cash flow over the years, with a concerning Free Cash Flow in the TTM period. Operating cash flow has shown volatility, which might affect short-term liquidity. The ratios of operating and free cash flow to net income are not optimal, suggesting inefficiencies in cash generation relative to profits.

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
60.29B	50.94B	50.15B	42.65B	38.86B	35.66B
	Gross Profit
59.01B	50.94B	50.15B	42.65B	38.86B	35.66B
	EBIT
24.85B	7.13B	367.00M	3.10B	3.10B	1.84B
	EBITDA
8.80B	0.00	2.05B	4.63B	5.42B	4.21B
	Net Income Common Stockholders
6.41B	3.72B	1.80B	4.44B	2.55B	2.14B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
869.06B	896.18B	1.11T	1.20T	903.66B	474.54B
	Total Assets
4.31T	4.16T	4.00T	4.19T	3.51T	2.95T
	Total Debt
683.11B	574.72B	448.32B	647.87B	475.89B	220.99B
	Net Debt
-185.94B	-321.47B	-660.22B	-552.35B	-427.77B	-253.54B
	Total Liabilities
4.17T	4.02T	454.84B	4.05T	3.38T	2.83T
	Stockholders Equity
139.47B	135.74B	123.12B	133.00B	136.61B	123.76B
Cash Flow		Free Cash Flow
0.00	-8.38B	-260.25B	185.70B	479.27B	96.51B
	Operating Cash Flow
0.00	-6.28B	-258.76B	186.54B	483.85B	99.87B
	Investing Cash Flow
0.00	-241.33B	168.91B	111.20B	-53.77B	-57.55B
	Financing Cash Flow
0.00	40.18B	-2.53B	-1.76B	-976.00M	-3.21B

Fukui Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1686.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1686 is above the 20-day moving average (MA) of 1662.45, below the 50-day MA of 1734.20, and below the 200-day MA of 1822.32, indicating a neutral trend. The MACD of -1.80 indicates Negative momentum. The RSI at 52.77 is Neutral, neither overbought nor oversold. The STOCH value of 33.17 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$901.09B	12.10	6.30%	3.04%	9.55%	9.39%
8362	72 Outperform	¥40.11B	5.54		3.44%	3.71%	145.88%
8354	70 Outperform	$727.43B	11.98	7.30%	3.43%	15.35%	-1.62%
Sector *	64 Neutral	$12.73B	9.82	7.91%	17015.08%	12.18%	-5.69%
8338	60 Neutral	¥19.06B	4.64		2.16%	-0.24%	3.49%
8344	52 Neutral	¥40.12B	12.33		3.55%	-16.07%	43.79%