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Hyakugo Bank
(8368)
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Rating:70Outperform
Price Target:
¥2,539.00
▲(15.04% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by strong technical momentum (price above key moving averages with positive MACD). Financial performance is solid but not top-tier due to cash-flow volatility and continued leverage despite recent improvement. Valuation is neutral, with a mid-range P/E and a modest dividend yield.
Positive Factors
Improved Revenue and Earnings Growth
The sharp acceleration in revenue and earnings strengthens the bank’s capacity to reinvest, absorb credit costs and support future profitability, provided growth can be sustained beyond the latest reporting period.
Negative Factors
Substantial Debt and Modest Returns
Despite deleveraging, the sizable debt burden and historically modest returns suggest capital is not being deployed highly efficiently, which may constrain durable value creation and financial flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Revenue and Earnings Growth
The sharp acceleration in revenue and earnings strengthens the bank’s capacity to reinvest, absorb credit costs and support future profitability, provided growth can be sustained beyond the latest reporting period.
Read all positive factors
Hyakugo Bank (8368) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥593.64B
Dividend Yield1.43%
Average Volume (3M)656.97K
Price to Earnings (P/E)18.5
Beta (1Y)1.30
Revenue Growth29.10%
EPS Growth91.90%
CountryJP
Employees2,828
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)128.32
Shares Outstanding254,119,000
10 Day Avg. Volume730,990
30 Day Avg. Volume656,973
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.71
Price to Sales (P/S)2.28
P/FCF Ratio9.46
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
Hyakugo Bank Business Overview & Revenue Model
Company Description
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 gua...
How the Company Makes Money
Hyakugo Bank makes money primarily through (1) net interest income and (2) fee and commission income, with additional contributions from (3) securities/investment-related income and (4) other operating income.
1) Net interest income (core banking...
Hyakugo Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 173.29B | 160.51B | 123.19B | 117.73B | 101.05B | 96.29B |
| Gross Profit | 147.11B | 133.53B | 104.41B | 102.01B | 90.96B | 89.77B |
| EBITDA | 43.08B | 40.91B | 29.30B | 23.64B | 24.39B | 23.16B |
| Net Income | 31.13B | 26.84B | 18.04B | 14.28B | 14.49B | 13.40B |
Balance Sheet | ||||||
| Total Assets | 7.89T | 7.63T | 7.43T | 8.10T | 7.52T | 7.75T |
| Cash, Cash Equivalents and Short-Term Investments | 833.09B | 659.38B | 665.53B | 1.41T | 1.35T | 1.87T |
| Total Debt | 724.94B | 654.55B | 703.60B | 1.37T | 1.45T | 2.17T |
| Total Liabilities | 7.37T | 7.11T | 7.00T | 7.60T | 7.13T | 7.35T |
| Stockholders Equity | 523.77B | 516.65B | 435.45B | 496.92B | 392.03B | 401.85B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 38.68B | 34.40B | -28.86B | -559.28B | 53.00B |
| Operating Cash Flow | 0.00 | 41.15B | 38.59B | -25.44B | -556.45B | 55.95B |
| Investing Cash Flow | 0.00 | -112.25B | -29.01B | -18.11B | 38.60B | 249.80B |
| Financing Cash Flow | 0.00 | 63.86B | 74.75B | 138.16B | -2.91B | -2.82B |
Hyakugo Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥593.64B | 18.46 | 5.51% | 1.63% | 29.10% | 91.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥502.18B | 11.79 | 11.26% | 2.18% | 12.60% | 148.64% | |
66 Neutral | ¥322.09B | 14.16 | 8.89% | 3.81% | 19.56% | 13.61% | |
65 Neutral | ¥455.52B | 15.90 | ― | 2.94% | 16.26% | 41.29% | |
62 Neutral | ¥633.37B | 26.02 | ― | 1.50% | 23.01% | 25.19% | |
62 Neutral | ¥463.88B | 17.19 | ― | 3.01% | 24.66% | 33.09% |
* Financial Sector Average
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Hyakugo Bank Corporate Events
Hyakugo Bank Posts Higher Capital Adequacy Ratios in First Quarter
Aug 10, 2026
Hyakugo Bank reported a modest improvement in its capital position as of June 30, 2026, the end of the first quarter of the fiscal year ending March 31, 2027. On a consolidated basis, the capital adequacy ratio rose to 11.67%, supported by higher ...
Hyakugo Bank Posts Strong Profit Surge and Confirms Higher Dividend Plan
Jul 31, 2026
Hyakugo Bank reported a sharp improvement in performance for the three months ended June 30, 2026, with ordinary income rising 47.8 percent year on year to ¥50.4 billion and ordinary profit more than doubling to ¥11.3 billion. Profit att...
Hyakugo Bank Sets Terms for Director Stock Compensation Plan
Jul 31, 2026
Hyakugo Bank has finalized the terms of a new share compensation-type stock option program for its directors, following a board resolution passed in late June. The plan covers 107 share acquisition rights, each corresponding to 100 common shares, ...
Hyakugo Bank Issues New Share-Based Stock Options for Directors
Jun 24, 2026
The Hyakugo Bank has approved the issuance of its 16th series of share compensation-type stock options, structured as share acquisition rights for six internal directors, replacing the former retirement allowance scheme. The program is designed to...
Hyakugo Bank Nears Completion of ¥2.5 Billion Share Buyback Program
Jun 9, 2026
The Hyakugo Bank, Ltd. has completed a share repurchase program authorized by its board on May 12, 2026, under Japan’s Companies Act provisions. The bank acquired 94,400 common shares on the Tokyo Stock Exchange between June 1 and June 2, 20...
Hyakugo Bank Rapidly Advances Share Buyback Program on TSE
Jun 8, 2026
Hyakugo Bank has reported progress on its share buyback program authorized by its board in May 2026, under which it is permitted to repurchase up to 2 million common shares for a maximum of ¥2.5 billion through market purchases on the Tokyo S...
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.