Fukui Bank, Ltd. AI Stock Analysis
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Fukui Bank, Ltd. (8362) AI Stock Analysis
Fukui Bank, Ltd.
(TSE/TYO:8362)
The score is driven mainly by improving financial performance (revenue and earnings recovery), but is held back by balance-sheet leverage and volatile cash flows. Technicals are a positive contributor with a strong uptrend and bullish momentum, while valuation appears moderate with a modest dividend yield.
Fukui Bank, Ltd. (8362) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 161.10B
- Dividend Yield
- 2.25%
- Average Volume (3M)
- 130.54K
- Price to Earnings (P/E)
- 14.0
- Beta (1Y)
- 1.31
- Revenue Growth
- 16.26%
- EPS Growth
- 88.25%
- Country
- Japan
- Employees
- 1,732
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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 cor...
How the Company Makes Money
Fukui Bank, Ltd. generally earns revenue through a mix of banking interest income and non-interest income typical of a regional commercial bank. The primary driver is net interest income: the bank collects interest on loans (e.g., loans to local busi...
Fukui Bank, Ltd. Financial Statement Overview
Summary
Income statement trends are improving (revenue growth accelerated into 2026 and earnings rebounded strongly from 2023), but the overall financial profile is tempered by elevated leverage on the balance sheet and highly volatile operating/free cash flow, which reduces stability and predictability.
Income Statement
78PositiveBalance Sheet
58NeutralCash Flow
45Neutral| 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 | 28.38B | 20.68B | -8.10B | -260.25B | 185.70B |
| Operating Cash Flow | 0 | 29.42B | 112.07B | -6.28B | -258.76B | 186.54B |
| Investing Cash Flow | 0 | -100.81B | -133.39B | -241.33B | 168.91B | 111.20B |
| Financing Cash Flow | 0 | 146.00M | -2.36B | 40.18B | -2.53B | -1.76B |
Fukui Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
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 6850.00 is above the 20-day moving average (MA) of 6743.00, below the 50-day MA of 7264.98, and above the 200-day MA of 5127.11, indicating a neutral trend. The MACD of -249.91 indicates Positive momentum. The RSI at 49.39 is Neutral, neither overbought nor oversold. The STOCH value of 43.74 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
Overall Rating
JP:838784.6Outperform
JP:839575Outperform
JP:854167Neutral- JP:836265Neutral
JP:834363Neutral
JP:834462Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8387 | 85Outperform | JPY 146.33B | 8.54 | ― | 2.05% | 39.23% | 178.34% |
| JP:8395 | 75Outperform | JPY 97.13B | 10.02 | ― | 2.03% | 15.58% | 15.08% |
| JP:8541 | 67Neutral | JPY 127.96B | 13.24 | ― | 1.69% | 10.04% | 57.66% |
| JP:8362 | 65Neutral | JPY 151.27B | 13.98 | ― | 2.25% | 16.26% | 88.25% |
| JP:8343 | 63Neutral | JPY 128.45B | 14.48 | ― | 13.61% | 28.83% | 38.45% |
| JP:8344 | 62Neutral | JPY 130.67B | 17.75 | ― | 2.54% | 24.86% | 73.80% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8362 | Fukui Bank, Ltd. | 6850.00 | 4627.47 | 208.21% | |
| JP:8343 | Akita Bank, Ltd. | 1470.00 | 745.56 | 102.92% | |
| JP:8344 | Yamagata Bank, Ltd. | 4410.00 | 2713.94 | 160.01% | |
| JP:8387 | Shikoku Bank Ltd. | 3665.00 | 2169.39 | 145.05% | |
| JP:8395 | Bank of Saga Ltd. | 6170.00 | 2881.83 | 87.64% | |
| JP:8541 | Ehime Bank, Ltd. | 3370.00 | 2131.63 | 172.13% |
Fukui Bank, Ltd. Corporate Events
Fukui Bank Reports ¥7.8 Billion Unrealized Loss on Bond Holdings, Keeps Earnings Outlook
The Fukui Bank disclosed that unrealized losses on its held-to-maturity debt securities totaled ¥7,754 million as of the end of the second quarter of the fiscal year ending March 31, 2027. These losses represent 57.7% of consolidated ordinary profit...
Fukui Bank Lifts First-Half Earnings Forecast on Strong Interest Income
The Fukui Bank, Ltd. has sharply revised upward its consolidated forecast for the first half of the fiscal year ending March 31, 2027, expecting ordinary profit of ¥4.5 billion and interim net income of ¥7.1 billion, up 40.6% and 47.9% respectively f...
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: Sep 19, 2026