Nanto Bank Ltd. (8367) AI Stock Analysis

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Nanto Bank Ltd.

(TSE/TYO:8367)

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Rating:55Neutral

Price Target:JPY 1,849.00▲(7.63% Upside)

Action:reiterated

Date:10/30/26

The score is held back primarily by middling financial quality (leverage variability and highly uneven cash flows despite improved earnings) and weak technical momentum (below key moving averages with negative MACD). A moderate valuation and ~2.9% dividend yield provide partial support but are not strong enough to offset the core risks.

Positive Factors

Improving revenue and earnings growthRevenue growth of 12.7% and EPS growth of 38.3% show improving operating momentum. If sustained, this combination can strengthen internal capital generation and provide a broader earnings base for a regional bank over the next several quarters.

Negative Factors

Elevated and inconsistent leverageThe wide variation in leverage and total debt makes the balance sheet less predictable and increases financial risk. Inconsistent debt levels can constrain capital allocation flexibility and make future earnings more sensitive to changes in funding and balance-sheet conditions.

Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 261.51B
Dividend Yield: 3.03%
Average Volume (3M): 423.50K
Price to Earnings (P/E): 14.8
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

Income statement momentum is improving (stronger revenue and profitability versus 2023), but balance-sheet risk is elevated due to inconsistent leverage and modest ROE. Cash flow has been highly volatile, including a sharp 2023 reversal and only modestly positive free cash flow in 2024–2026, which weakens overall quality and stability.

Income Statement

78Positive

Balance Sheet

56Neutral

Cash Flow

44Neutral

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price1718.00

Price Trends

50DMA1906.83Negative

100DMA1849.58Negative

200DMA1652.03Positive

Market Momentum

MACD-54.39Positive

RSI36.80Neutral

STOCH62.36Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8367, the sentiment is Negative. The current price of 1718.00 is below the 20-day moving average (MA) of 1852.80, below the 50-day MA of 1906.83, and above the 200-day MA of 1652.03, indicating a neutral trend. The MACD of -54.39 indicates Positive momentum. The RSI at 36.80 is Neutral, neither overbought nor oversold. The STOCH value of 62.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8367.

Nanto Bank Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8367 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8386	77Outperform	JPY 309.09B	15.16	―	2.82%	22.23%	45.07%
JP:8388	76Outperform	JPY 380.06B	21.16	―	6.09%	23.28%	40.80%
JP:8370	75Outperform	JPY 305.89B	12.95	9.31%	10.19%	19.56%	13.61%
JP:8544	75Outperform	JPY 279.37B	16.01	―	2.32%	19.41%	60.52%
JP:8361	62Neutral	JPY 306.62B	14.62	―	6.32%	39.26%	34.23%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
JP:8367	55Neutral	JPY 282.88B	14.83	―	3.03%	12.74%	38.29%

* General Sector Average

Performance Comparison

JP:8367 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8367	Nanto Bank Ltd.	1718.00	721.95	72.48%
JP:8370	Kiyo Bank	1540.00	555.85	56.48%
JP:8361	Ogaki Kyoritsu Bank, Ltd.	1487.00	780.94	110.61%
JP:8386	Hyakujushi Bank, Ltd.	2711.00	1375.16	102.94%
JP:8388	Awa Bank, Ltd.	1912.00	1191.73	165.46%
JP:8544	Keiyo Bank, Ltd.	2411.00	1138.51	89.47%

Nanto Bank Ltd. Corporate Events

Nanto Bank Keeps Capital Ratios Steady While Tweaking Securities Portfolio

Aug 12, 2026

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 &#...

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.

Date of analysis: Oct 30, 2026

Nanto Bank Ltd. AI Stock Analysis