Want to see JP:8367 full AI Analyst Report?
Nanto Bank Ltd. (8367) AI Stock Analysis
Nanto Bank Ltd.
(TSE/TYO:8367)
Nanto Bank scores in the middle of the range. Fundamentals are improving — revenue and net income have rebounded sharply since FY2023 and leverage has been meaningfully reduced — but profitability efficiency remains the key weakness, with compressed margins, ROE below 5%, and highly erratic cash flow generation that is forecast to weaken in FY2026. Technically, the stock is the main drag: it has fallen below its 20-, 50- and 100-day moving averages with a negative MACD, though it still holds above its 200-day average, preserving the longer-term uptrend. Valuation is balanced, with a near-3% dividend yield offsetting a P/E of 15.7 that looks demanding relative to the bank's returns. Overall, a modest-quality regional bank recovery story currently facing short-term price weakness.
Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 280.36B
- Dividend Yield
- 2.91%
- Average Volume (3M)
- 431.51K
- Price to Earnings (P/E)
- 15.5
- Beta (1Y)
- 1.44
- Revenue Growth
- 12.74%
- EPS Growth
- 38.29%
- Country
- Japan
- Employees
- 2,352
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Nanto Bank Ltd. Business Overview & Revenue Model
Company Description
Headquartered in Nara, Japan, and established in 1934, The Nanto Bank, Ltd. operates a diverse portfolio of financial and related businesses, including banking, securities, leasing, and credit guarantees. The institution's core banking activities enc...
How the Company Makes Money
Nanto Bank primarily generates earnings through traditional banking intermediation and fee-based financial services. (1) Net interest income: The bank collects deposits and other funding at relatively low costs (e.g., ordinary deposits, time deposits...
Nanto Bank Ltd. Financial Statement Overview
Summary
Blends the Income Statement (62), Balance Sheet (55) and Cash Flow (48) scores. Nanto Bank has delivered a strong top-line and earnings recovery — revenue up from ¥65.9B (FY2023) to ¥98.0B (FY2025) with net income tripling to ¥13.5B — and FY2026 estimates point to further growth. Deleveraging is a clear positive, with debt-to-equity improving from 3.51x to 2.18x. However, margins have compressed (net margin down to ~13.8%, EBIT margin to ~19.9%), ROE remains modest at ~4.9%, equity has slipped year-over-year, and operating cash flow is extremely volatile (from ¥-513.9B in FY2023 to ¥33.8B in FY2025) with FY2026 cash generation projected lower.
Income Statement
62PositiveBalance Sheet
55NeutralCash Flow
48Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 114.40B | 109.12B | 98.01B | 82.86B | 65.88B | 73.34B |
| Gross Profit | 96.78B | 93.11B | 83.75B | 74.95B | 60.71B | 70.41B |
| EBITDA | 25.54B | 29.06B | 23.78B | 20.13B | 9.73B | 21.21B |
| Net Income | 18.14B | 17.06B | 13.51B | 12.04B | 4.73B | 11.87B |
Balance Sheet | ||||||
| Total Assets | 6.93T | 6.68T | 6.85T | 6.79T | 6.54T | 7.00T |
| Cash, Cash Equivalents and Short-Term Investments | 637.36B | 449.69B | 678.27B | 963.53B | 1.09T | 1.50T |
| Total Debt | 387.77B | 360.30B | 606.02B | 952.83B | 554.25B | 1.01T |
| Total Liabilities | 6.63T | 6.38T | 6.58T | 6.49T | 6.28T | 6.71T |
| Stockholders Equity | 305.76B | 300.12B | 277.80B | 298.63B | 262.80B | 286.47B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 6.54B | 23.64B | 6.52B | -520.15B | 364.62B |
| Operating Cash Flow | 0 | 10.94B | 33.76B | 9.61B | -513.86B | 367.58B |
| Investing Cash Flow | 0 | -47.25B | -111.62B | -91.87B | 108.36B | -59.37B |
| Financing Cash Flow | 0 | -207.80B | -5.45B | -3.59B | -5.17B | -2.76B |
Nanto 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:8367, the sentiment is Neutral. The current price of 1718.00 is below the 20-day moving average (MA) of 1868.15, below the 50-day MA of 1911.46, and above the 200-day MA of 1649.36, indicating a neutral trend. The MACD of -51.25 indicates Positive momentum. The RSI at 42.10 is Neutral, neither overbought nor oversold. The STOCH value of 66.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8367.
Nanto Bank Ltd. Peers Comparison
Overall Rating
JP:837081Outperform
JP:836179Outperform
JP:838877Outperform
JP:854475Outperform
JP:838664Neutral- JP:836754Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8370 | 81Outperform | JPY 313.84B | 13.26 | 9.31% | 9.94% | 19.56% | 13.61% |
| JP:8361 | 79Outperform | JPY 320.64B | 15.36 | ― | 6.05% | 39.26% | 34.23% |
| JP:8388 | 77Outperform | JPY 395.77B | 22.10 | ― | 5.85% | 23.28% | 40.80% |
| JP:8544 | 75Outperform | JPY 290.96B | 16.68 | ― | 2.23% | 19.41% | 60.52% |
| JP:8386 | 64Neutral | JPY 325.40B | 16.00 | ― | 2.68% | 22.23% | 45.07% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8367 | 54Neutral | JPY 293.91B | 15.45 | ― | 2.91% | 12.74% | 38.29% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8367 | Nanto Bank Ltd. | 1785.00 | 777.30 | 77.14% | |
| JP:8370 | Kiyo Bank | 1580.00 | 599.07 | 61.07% | |
| JP:8361 | Ogaki Kyoritsu Bank, Ltd. | 1555.00 | 840.15 | 117.53% | |
| JP:8386 | Hyakujushi Bank, Ltd. | 2854.00 | 1515.72 | 113.26% | |
| JP:8388 | Awa Bank, Ltd. | 1991.00 | 1270.73 | 176.42% | |
| JP:8544 | Keiyo Bank, Ltd. | 2511.00 | 1236.56 | 97.03% |
Nanto Bank Ltd. Corporate Events
Nanto Bank Keeps Capital Ratios Steady While Tweaking Securities Portfolio
The Nanto Bank reported a consolidated capital adequacy ratio of 12.81 percent as of June 30, 2026, effectively unchanged from 12.82 percent at the end of March, with capital rising to ¥298 billion and total risk-weighted assets increasing to &#...
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: Oct 30, 2026