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Nanto Bank Ltd.
(8367)
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Rating:69Neutral
Price Target:
¥1,952.00
▼(-61.57% Downside)
Action:Downgraded
Date:05/09/26
The score is driven primarily by improving financial performance trends (recovery in revenue and earnings) but tempered by balance-sheet leverage variability and uneven cash-flow stability. Technicals are supportive with price above key moving averages, and valuation is attractive with a low P/E and a moderate dividend yield.
Positive Factors
Revenue Growth Trend
Sustained revenue expansion over the recent three-year window indicates the bank is regaining traction after earlier weakness. Durable top-line growth supports net interest and fee income, enabling reinvestment in branches and digital services and improving resilience versus cyclical shocks.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow reduce predictability of internal funding for lending and investments. Persistent volatility increases reliance on external funding or asset sales during stress, complicates capital planning, and raises execution risk for multi-year strategic programs.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained revenue expansion over the recent three-year window indicates the bank is regaining traction after earlier weakness. Durable top-line growth supports net interest and fee income, enabling reinvestment in branches and digital services and improving resilience versus cyclical shocks.
Read all positive factors
Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥290.29B
Dividend Yield3.46%
Average Volume (3M)85.87K
Price to Earnings (P/E)16.2
Beta (1Y)1.13
Revenue Growth11.64%
EPS Growth26.63%
CountryJP
Employees2,336
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)83.52
Shares Outstanding165,128,280
10 Day Avg. Volume94,380
30 Day Avg. Volume85,873
Financial Highlights & Ratios
PEG Ratio0.49
Price to Book (P/B)0.74
Price to Sales (P/S)2.03
P/FCF Ratio33.85
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
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 ...
How the Company Makes Money
Nanto Bank primarily earns money through interest-based banking activities and fee-based financial services. The largest and most typical profit driver for a regional bank is net interest income: the bank collects interest on loans (e.g., corporat...
Nanto Bank Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.19B | 109.12B | 98.01B | 82.86B | 65.88B | 73.34B |
| Gross Profit | 87.38B | 93.11B | 83.75B | 74.95B | 60.71B | 70.41B |
| EBITDA | 18.50B | 29.06B | 23.78B | 20.13B | 9.73B | 21.21B |
| Net Income | 13.12B | 17.06B | 13.51B | 12.04B | 4.73B | 11.87B |
Balance Sheet | ||||||
| Total Assets | 6.78T | 6.68T | 6.85T | 6.79T | 6.54T | 7.00T |
| Cash, Cash Equivalents and Short-Term Investments | 601.30B | 449.69B | 678.27B | 963.53B | 1.09T | 1.50T |
| Total Debt | 481.44B | 360.30B | 606.02B | 952.83B | 554.25B | 1.01T |
| Total Liabilities | 6.49T | 6.38T | 6.58T | 6.49T | 6.28T | 6.71T |
| Stockholders Equity | 289.17B | 300.12B | 277.80B | 298.63B | 262.80B | 286.47B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.54B | 23.64B | 6.52B | -520.15B | 364.62B |
| Operating Cash Flow | 0.00 | 10.94B | 33.76B | 9.61B | -513.86B | 367.58B |
| Investing Cash Flow | 0.00 | -47.25B | -111.62B | -91.87B | 108.36B | -59.37B |
| Financing Cash Flow | 0.00 | -207.80B | -5.45B | -3.59B | -5.17B | -2.76B |
Nanto Bank Ltd. Technical Analysis
Positive
5080.00
Price Trends
1661.46
Positive
1553.49
Positive
1316.97
Positive
Market Momentum
25.26
Positive
56.59
Neutral
56.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8367, the sentiment is Positive. The current price of 5080 is above the 20-day moving average (MA) of 1739.55, above the 50-day MA of 1661.46, and above the 200-day MA of 1316.97, indicating a bullish trend. The MACD of 25.26 indicates Positive momentum. The RSI at 56.59 is Neutral, neither overbought nor oversold. The STOCH value of 56.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8367.
Nanto Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥280.75B | 18.24 | ― | 2.53% | 16.63% | 19.98% | |
70 Outperform | ¥283.99B | 13.05 | 7.61% | 3.81% | 17.66% | 24.54% | |
70 Outperform | ¥302.19B | 15.58 | ― | 2.27% | 33.67% | 31.83% | |
69 Neutral | ¥290.29B | 16.23 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥287.02B | 18.82 | ― | 2.13% | 15.39% | 26.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥291.31B | 15.39 | ― | 2.55% | 18.30% | 38.07% |
* Financial Sector Average
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Nanto Bank Ltd. Corporate Events
Nanto Bank Raises ROE and Dividend Targets in Corrected Medium-Term Plan
May 20, 2026
The Nanto Bank, Ltd. has issued a correction to previously released reference materials related to its medium-term management plan, identifying errors in reported figures for return on equity, dividend per share, and total dividends. The revised d...
Nanto Bank Posts Double-Digit Rise in Ordinary Income on Higher Interest Earnings
May 8, 2026
The Nanto Bank, Ltd. reported a strong year-on-year rise in ordinary income for the fiscal year ended March 31, 2026, reflecting robust core banking performance. Consolidated ordinary income increased from ¥103,085 million to ¥115,665 mi...
Nanto Bank Raises Year-End Dividend on Stronger Earnings
May 8, 2026
The Nanto Bank, Ltd. announced that its board has approved a proposal to increase the year-end dividend for the fiscal year ended March 31, 2026, to 120 yen per share, up from the previously forecast 110 yen, reflecting stronger-than-expected net ...
Nanto Bank Sharply Raises Profitability Targets in Medium-Term Plan
May 8, 2026
The Nanto Bank has revised key performance targets in its medium-term management plan, “Creating Regional Vitality Through Human Capital,” which covers the period from April 2025 through March 2028. The plan reflects the bank’s s...
Nanto Bank posts double-digit profit growth and hikes dividend ahead of stock split
May 8, 2026
Nanto Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 12.2% to ¥115.7 billion and ordinary profit up 26.1% to ¥24.8 billion. Profit attributable to owners of the parent clim...
Nanto Bank Lifts Earnings and Dividend Forecasts on Stronger Interest Income
Mar 25, 2026
The Nanto Bank has revised upward its full-year earnings forecast for the fiscal year ending March 31, 2026, citing stronger-than-expected net interest income driven mainly by higher interest on loans and discounts. Consolidated ordinary profit is...
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.