Kiyo Bank (8370) AI Stock Analysis

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Kiyo Bank

(TSE/TYO:8370)

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Rating:75Outperform

Price Target:JPY 1,728.00▲(13.61% Upside)

Action:reiterated

Date:09/30/26

Kiyo Bank's overall score of 75 reflects a solid investment profile. The most significant positive factors are its attractive valuation, underscored by a 9% dividend yield and reasonable P/E, and strong recent earnings growth. Technical trends are supportive with the stock in a steady uptrend. The primary risk is inconsistent historical cash flow generation, which slightly lowers the financial performance assessment and tempers the overall score.

Positive Factors

Revenue and Profit GrowthSteady revenue expansion accompanied by higher profits indicates improving operating performance rather than growth without earnings support. If this trend persists, it can strengthen internal capital generation, support customer lending activity, and provide a more durable base for future profitability.

Negative Factors

Elevated LeverageMeaningful leverage remains a central structural risk because it leaves the bank more exposed to balance-sheet stress and limits financial flexibility. Higher debt relative to equity can also constrain capital allocation and make future results more sensitive to changes in funding conditions.

Kiyo Bank (8370) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 296.36B
Dividend Yield: 6.84%
Average Volume (3M): 481.00K
Price to Earnings (P/E): 11.3
Beta (1Y): 1.07
Revenue Growth: 21.89%
EPS Growth: 36.89%
Country: Japan
Employees: 2,473
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Kiyo Bank Business Overview & Revenue Model

Company Description

The Kiyo Bank, Ltd. is a financial institution operating across Japan, offering a comprehensive array of banking solutions and services to individuals, corporate entities, and businesses. Its offerings span various deposit types, including Yen, time,...

How the Company Makes Money

Kiyo Bank’s earnings are primarily driven by its banking operations. The main revenue stream is net interest income: the bank collects interest on loans and other interest-earning assets and pays interest on customer deposits and other funding, with...

Kiyo Bank Financial Statement Overview

Summary

Kiyo Bank shows strong profitability with net income growing 45% over two years and margins above 20%. The balance sheet is solid with a reasonable debt-to-equity ratio of 3.4 and improving ROE of 8.8%. However, cash flow has been inconsistent, with past volatility and a large negative outflow in 2023, which tempers the overall financial health score.

Income Statement

82Very Positive

Balance Sheet

75Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	113.09B	102.39B	92.70B	77.82B	80.93B	78.02B
Gross Profit	96.37B	87.84B	85.30B	74.86B	76.71B	73.15B
EBITDA	31.99B	33.34B	26.50B	22.92B	7.45B	26.75B
Net Income	22.98B	21.82B	17.62B	15.02B	3.92B	15.46B
Balance Sheet
Total Assets	6.17T	6.12T	5.93T	5.83T	5.48T	5.88T
Cash, Cash Equivalents and Short-Term Investments	850.76B	846.23B	807.02B	983.68B	1.00T	1.38T
Total Debt	746.92B	848.33B	882.76B	856.00B	530.31B	1.99T
Total Liabilities	5.92T	5.87T	5.69T	5.59T	5.26T	5.64T
Stockholders Equity	247.99B	247.54B	235.19B	237.15B	222.02B	241.14B
Cash Flow
Free Cash Flow	0	17.37B	45.99B	0	-585.29B	72.24B
Operating Cash Flow	0	20.19B	48.82B	0	-582.29B	75.53B
Investing Cash Flow	0	-151.46B	16.95B	-130.55B	214.64B	87.36B
Financing Cash Flow	0	161.95B	45.50B	89.70B	-5.61B	-4.57B

Kiyo Bank Technical Analysis

Technical Analysis SentimentNeutral

Last Price1521.00

Price Trends

50DMA1649.86Negative

100DMA1597.38Negative

200DMA1465.07Positive

Market Momentum

MACD-44.92Positive

RSI44.58Neutral

STOCH35.75Neutral

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 1521.00 is below the 20-day moving average (MA) of 1559.00, below the 50-day MA of 1649.86, and above the 200-day MA of 1465.07, indicating a neutral trend. The MACD of -44.92 indicates Positive momentum. The RSI at 44.58 is Neutral, neither overbought nor oversold. The STOCH value of 35.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8370.

Kiyo Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:8370 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8386	83Outperform	JPY 307.84B	14.00	―	2.69%	21.78%	44.50%
JP:8361	79Outperform	JPY 303.74B	15.20	―	6.05%	39.26%	34.23%
JP:8388	76Outperform	JPY 370.92B	21.20	―	6.02%	23.28%	40.80%
JP:8544	75Outperform	JPY 263.15B	16.19	―	2.37%	24.49%	29.78%
JP:8370	75Outperform	JPY 296.36B	11.28	10.51%	6.84%	21.89%	36.89%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8367	54Neutral	JPY 286.34B	13.27	―	3.12%	19.76%	44.98%

* Financial Sector Average

Performance Comparison

JP:8370 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8370	Kiyo Bank	1521.00	561.34	58.49%
JP:8361	Ogaki Kyoritsu Bank, Ltd.	1520.00	790.51	108.36%
JP:8367	Nanto Bank Ltd.	1786.00	758.88	73.89%
JP:8386	Hyakujushi Bank, Ltd.	2834.00	1403.09	98.06%
JP:8388	Awa Bank, Ltd.	1914.00	1166.37	156.01%
JP:8544	Keiyo Bank, Ltd.	2335.00	936.34	66.95%

Kiyo Bank Corporate Events

Kiyo Bank Reports Strong First-Half Profit Growth

Nov 9, 2026

Kiyo Bank reported strong consolidated results for the six months ended September 30, 2026. Ordinary income rose 28.3% year-on-year to ¥67.928 billion, ordinary profit increased 33.3% to ¥19.548 billion, and profit attributable to owners of the paren...

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: Sep 30, 2026

Kiyo Bank AI Stock Analysis