Kiyo Bank (8370) AI Stock Analysis

• Market Cap: ¥160.79B
• Dividend Yield: 5.18%
• Average Volume (3M): 148.73K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 1.00
• Revenue Growth: 3.55%
• EPS Growth: N/A
• Country: JP
• Employees: 2,352
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 96.25
• Shares Outstanding: 67,300,000
• 10 Day Avg. Volume: 120,350
• 30 Day Avg. Volume: 148,733
• PEG Ratio: -0.34
• Price to Book (P/B): 0.44
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.17
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 61 Neutral
• Price Target: ―

Kiyo Bank's stock reflects strong profitability and revenue growth, evidenced by a solid income statement. However, concerns arise due to high leverage and cash flow management issues. The technical analysis indicates a downward trend, but the stock’s low P/E ratio and high dividend yield are appealing for value-seeking investors. Overall, the stock score is moderate, reflecting both the strengths in valuation and the weaknesses in financial stability and cash flow.

Kiyo Bank Business Overview & Revenue Model

Company Description

Kiyo Bank (8370) is a regional bank headquartered in Japan, primarily serving the Kyushu region. It operates in the financial services sector, offering a wide range of banking products and services. These include personal and corporate banking, savings and checking accounts, loans, credit cards, and asset management services. Additionally, Kiyo Bank provides various financial solutions tailored to meet the needs of individual and business clients.

How the Company Makes Money

Kiyo Bank generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and business loans. The bank also earns from fees and commissions associated with its financial services, such as transaction fees, account maintenance fees, and fees for asset management and advisory services. Additionally, Kiyo Bank invests in securities and other financial instruments, contributing to its income through investment returns. The bank's earnings are further supported by strategic partnerships and collaborations with other financial institutions and service providers, enhancing its product offerings and customer reach.

Kiyo Bank Financial Statement Overview

Summary

Kiyo Bank exhibits strong profitability and revenue growth, with a solid income statement performance. However, high leverage on the balance sheet and cash flow challenges highlight potential risks. The bank must focus on improving cash flow management to sustain growth and financial health.

Income Statement

Kiyo Bank's income statement shows strong profitability with a TTM gross profit margin of 99.47% and a net profit margin of 20.25%. The bank's EBIT margin is robust at 51.08%. Revenue growth from the prior year to TTM was 11.86%, indicating healthy improvement. However, the EBITDA margin for TTM is relatively low at 14.17%, which suggests high non-cash expenses or interest costs.

Balance Sheet

The balance sheet of Kiyo Bank shows stability with a debt-to-equity ratio of 3.26, which is typical for banks but indicates high leverage. The return on equity stands at 7.01% for TTM, suggesting moderate profitability for shareholders. The equity ratio is 3.97%, reflecting a stable but low equity base compared to total assets, which is a common trait in the banking industry.

Cash Flow

Kiyo Bank's cash flow statement reveals challenges with cash generation. The operating cash flow and free cash flow for TTM are reported as zero, indicating potential difficulties in cash management. The free cash flow growth rate is unclear due to a lack of data, and the operating cash flow to net income ratio is not available. This poses a risk regarding liquidity and operational funding.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
80.89B	90.18B	68.25B	72.90B	74.57B	71.10B
	Gross Profit
80.47B	0.00	68.25B	72.90B	74.57B	71.10B
	EBIT
41.33B	23.96B	14.66B	4.62B	24.09B	20.66B
	EBITDA
18.25B	23.96B	22.92B	0.00	26.76B	0.00
	Net Income Common Stockholders
16.39B	17.62B	15.02B	3.92B	15.46B	13.59B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
751.36B	0.00	983.68B	1.00T	1.38T	1.22T
	Total Assets
5.89T	5.93T	5.83T	5.48T	5.88T	5.66T
	Total Debt
763.00B	882.76B	803.28B	530.31B	795.20B	709.31B
	Net Debt
11.64B	882.76B	-180.40B	-471.54B	-579.90B	-507.46B
	Total Liabilities
5.65T	5.69T	5.59T	594.41B	5.64T	5.42T
	Stockholders Equity
233.88B	235.19B	237.15B	222.02B	241.14B	244.04B
Cash Flow		Free Cash Flow
0.00	45.99B	-6.93B	-585.29B	72.24B	712.94B
	Operating Cash Flow
0.00	48.82B	-3.32B	-582.29B	75.53B	715.23B
	Investing Cash Flow
0.00	-297.70B	-130.55B	214.64B	87.36B	-2.06B
	Financing Cash Flow
0.00	72.23B	89.70B	-5.61B	-4.57B	-4.39B

Kiyo Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 2511.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8370, the sentiment is Neutral. The current price of 2511 is below the 20-day moving average (MA) of 2536.20, above the 50-day MA of 2386.16, and above the 200-day MA of 2088.85, indicating a neutral trend. The MACD of 30.96 indicates Positive momentum. The RSI at 52.67 is Neutral, neither overbought nor oversold. The STOCH value of 14.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8370.

Kiyo Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$915.38B	12.30	6.30%	3.28%	9.28%	20.48%
8367	72 Outperform	¥129.08B	9.24		5.30%	38.28%	247.94%
8377	71 Outperform	¥338.19B	8.85		1.45%	21.04%	20.47%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%
8370	61 Neutral	¥160.79B	9.21	7.36%	5.18%	3.55%	―
8304	42 Neutral	¥287.57B	13.48	4.83%	4.23%	1.12%	6.36%

Kiyo Bank Corporate Events

Kiyo Bank Upgrades Financial Forecasts for FY 2025

The Kiyo Bank has revised its financial forecasts for the fiscal year ending March 31, 2025, showing an increase in expected ordinary income, ordinary profit, and profit attributable to owners of the parent. This upward revision is driven by anticipated higher net interest income and net fees, alongside lower credit costs, indicating a positive impact on the bank’s financial performance and market positioning.