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Hyakugo Bank Ltd (JP:8368)
:8368
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Hyakugo Bank (8368) Price & Analysis

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8368 Stock Chart & Stats

¥931.00
¥9.00(1.42%)
At close: 4:00 PM EST
¥931.00
¥9.00(1.42%)

Bulls Say, Bears Say

Bulls Say
Revenue And Profit MomentumA large 2026 revenue jump (+29.6%) and higher net income (¥26.8B) reflect meaningful improvement in core lending and fee performance. Sustained higher top-line and improved net margin (~16.7%) strengthen earnings power, supporting reinvestment, loan capacity and reserve building over the medium term.
Improved Cash GenerationPositive operating and free cash flow in 2025–2026, with FCF near reported earnings (~0.89–0.94x), shows better conversion of profits into cash. This enhances financial flexibility for lending, capital expenditure and distributions, and reduces reliance on wholesale funding if sustained across cycles.
Progress On Leverage ReductionDeclining debt-to-equity and higher equity indicate improving capital structure and reduced financial risk. Lower leverage enhances regulatory and funding headroom, can reduce funding costs, and supports safer balance sheet growth—important durable improvement for a regional bank's resilience.
Bears Say
Elevated Absolute DebtDespite a lower D/E ratio, a high absolute debt stock (¥654.5B) leaves interest expense and refinancing exposure material. In an economic downturn or rising rate environment this can strain net interest margin and capital, limiting flexibility to expand lending or absorb credit losses over the medium term.
Cash-flow VolatilityLarge swings from deeply negative cash flow in 2023–2024 to positive FCF in 2025–2026 indicate inconsistent cash conversion. Such volatility hampers reliable capital planning, can force opportunistic asset sales or external funding in stress, and raises uncertainty about sustained internal funding capacity.
Inconsistent Revenue TrendThe bank's strong 2026 growth follows years of modest, low-to-mid single-digit gains, suggesting reliance on episodic drivers. Inconsistent topline growth reduces predictability of earnings and ROE improvement, complicating long-term strategy and investor visibility into sustained profitability trends.

Hyakugo Bank News

8368 FAQ

What was Hyakugo Bank Ltd’s price range in the past 12 months?
Hyakugo Bank Ltd lowest stock price was ¥681.00 and its highest was ¥2047.00 in the past 12 months.
    What is Hyakugo Bank Ltd’s market cap?
    Hyakugo Bank Ltd’s market cap is ¥506.91B.
      When is Hyakugo Bank Ltd’s upcoming earnings report date?
      Hyakugo Bank Ltd’s upcoming earnings report date is Aug 05, 2026 which is in 56 days.
        How were Hyakugo Bank Ltd’s earnings last quarter?
        Hyakugo Bank Ltd released its earnings results on May 12, 2026. The company reported ¥44.01 earnings per share for the quarter, beating the consensus estimate of N/A by ¥44.01.
          Is Hyakugo Bank Ltd overvalued?
          According to Wall Street analysts Hyakugo Bank Ltd’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Hyakugo Bank Ltd pay dividends?
            Hyakugo Bank Ltd pays a Semiannually dividend of ¥21 which represents an annual dividend yield of 2.19%. See more information on Hyakugo Bank Ltd dividends here
              What is Hyakugo Bank Ltd’s EPS estimate?
              Hyakugo Bank Ltd’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Hyakugo Bank Ltd have?
              Hyakugo Bank Ltd has 254,119,000 shares outstanding.
                What happened to Hyakugo Bank Ltd’s price movement after its last earnings report?
                Hyakugo Bank Ltd reported an EPS of ¥44.01 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
                  Which hedge fund is a major shareholder of Hyakugo Bank Ltd?
                  Currently, no hedge funds are holding shares in JP:8368
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Hyakugo Bank Ltd

                    The Hyakugo Bank, Ltd. operates as a Japanese financial institution, delivering a comprehensive array of banking and financial services throughout Japan. Beyond its core offerings, the company provides diverse solutions such as credit card and guarantee facilities, leasing services, regional industry research and consulting, computer information processing, and financial instrument transactions. It also undertakes cash examination and arrangement, conducts surveys and appraisals for collateralized real estate, and assists with employment placement and labor management. Additionally, the bank offers printing, storage, and administrative services for documents and account books, alongside managing and administering banknotes and bonds. As of March 31, 2020, its operational footprint included 85 branches and 30 sub-branches across Mie prefecture, 21 branches in Aichi prefecture, a single branch in Wakayama prefecture, and two branches situated in Tokyo and Osaka. The bank also maintained three international representative offices in Singapore, Shanghai, and Bangkok, supported by a network of 205 ATMs. Founded in 1878, the institution was initially known as the 105th National Chartered Bank, changing its name to The Hyakugo Bank, Ltd. in 1897. Its headquarters are located in Tsu, Japan.

                    Hyakugo Bank (8368) Earnings & Revenues

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