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Hyakujushi Bank, Ltd. (8386) AI Stock Analysis
Hyakujushi Bank, Ltd.
(TSE/TYO:8386)
The score is driven primarily by strong technical momentum and trend confirmation (price above key moving averages with positive MACD). Financial performance is improving sharply in the latest year (higher revenue, profits, and lower leverage), but cash flow volatility and modest historical ROE reduce confidence in consistency. Valuation is neutral-to-slightly supportive with a mid-range P/E and a modest dividend yield.
Hyakujushi Bank, Ltd. (8386) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 306.58B
- Dividend Yield
- 2.82%
- Average Volume (3M)
- 373.33K
- Price to Earnings (P/E)
- 15.2
- Beta (1Y)
- 1.27
- Revenue Growth
- 22.23%
- EPS Growth
- 45.07%
- Country
- Japan
- Employees
- 2,107
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Hyakujushi Bank, Ltd. Business Overview & Revenue Model
Company Description
The Hyakujushi Bank, Ltd. focuses its core business on banking operations throughout Japan. Its operations are structured into two primary divisions: Banking and Leasing. The Banking segment delivers a comprehensive range of financial offerings, such...
How the Company Makes Money
Hyakujushi Bank’s earnings are primarily driven by traditional banking activities. The core revenue stream is interest income: the bank takes deposits and other funding (its cost of funds) and extends loans to customers (its earning assets); the spre...
Hyakujushi Bank, Ltd. Financial Statement Overview
Summary
Strong improvement in 2026 profitability and growth (revenue up ~24% and net income up to ¥18.9B with higher net margin), plus reduced leverage versus prior years. The score is held back by highly volatile cash flow across the period (including negative OCF/FCF in 2023 and weak/negative in 2025) and only modest ROE where provided.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
45Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 110.27B | 99.56B | 88.40B | 79.28B | 83.76B | 68.79B |
| Gross Profit | 91.93B | 76.88B | 70.22B | 63.76B | 74.52B | 67.41B |
| EBITDA | 30.99B | 31.92B | 22.47B | 17.13B | 16.34B | 18.29B |
| Net Income | 20.23B | 18.86B | 13.70B | 9.64B | 9.17B | 11.70B |
Balance Sheet | ||||||
| Total Assets | 5.87T | 5.85T | 5.75T | 5.84T | 5.81T | 5.75T |
| Cash, Cash Equivalents and Short-Term Investments | 1.05T | 919.08B | 861.93B | 1.08T | 1.20T | 1.12T |
| Total Debt | 409.34B | 473.88B | 621.79B | 630.88B | 644.79B | 736.57B |
| Total Liabilities | 5.48T | 5.46T | 5.43T | 5.51T | 5.53T | 5.46T |
| Stockholders Equity | 388.88B | 384.43B | 328.26B | 329.19B | 281.10B | 284.33B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 25.63B | -715.00M | 0 | -154.66B | 0 |
| Operating Cash Flow | 0 | 28.13B | 1.44B | 0 | -152.15B | 0 |
| Investing Cash Flow | 0 | 6.09B | -162.56B | -16.58B | 227.01B | -29.11B |
| Financing Cash Flow | 0 | 9.99B | -67.45B | -33.92B | -3.19B | 105.75B |
Hyakujushi Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8386, the sentiment is Negative. The current price of 2711.00 is below the 20-day moving average (MA) of 2888.80, below the 50-day MA of 2997.21, and above the 200-day MA of 2531.41, indicating a neutral trend. The MACD of -81.76 indicates Positive momentum. The RSI at 40.23 is Neutral, neither overbought nor oversold. The STOCH value of 79.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8386.
Hyakujushi Bank, Ltd. Peers Comparison
Overall Rating
JP:837081Outperform
JP:838876Outperform
JP:854475Outperform- JP:838669Neutral
JP:836162Neutral
JP:836761Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8370 | 81Outperform | JPY 305.89B | 12.95 | 9.31% | 10.19% | 19.56% | 13.61% |
| JP:8388 | 76Outperform | JPY 380.06B | 21.16 | ― | 6.09% | 23.28% | 40.80% |
| JP:8544 | 75Outperform | JPY 279.37B | 16.01 | ― | 2.32% | 19.41% | 60.52% |
| JP:8386 | 69Neutral | JPY 309.09B | 15.16 | ― | 2.82% | 22.23% | 45.07% |
| JP:8361 | 62Neutral | JPY 306.62B | 14.62 | ― | 6.32% | 39.26% | 34.23% |
| JP:8367 | 61Neutral | JPY 282.88B | 14.83 | ― | 3.03% | 12.74% | 38.29% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8386 | Hyakujushi Bank, Ltd. | 2711.00 | 1375.16 | 102.94% | |
| JP:8370 | Kiyo Bank | 1540.00 | 555.85 | 56.48% | |
| JP:8361 | Ogaki Kyoritsu Bank, Ltd. | 1487.00 | 780.94 | 110.61% | |
| JP:8367 | Nanto Bank Ltd. | 1718.00 | 721.95 | 72.48% | |
| JP:8388 | Awa Bank, Ltd. | 1912.00 | 1191.73 | 165.46% | |
| JP:8544 | Keiyo Bank, Ltd. | 2411.00 | 1138.51 | 89.47% |
Hyakujushi Bank, Ltd. Corporate Events
Hyakujushi Bank Upgrades Earnings Outlook on Strong Interest Income and Securities Gains
The Hyakujushi Bank has sharply raised its earnings forecasts for the six months to September 30, 2026 and the full fiscal year to March 31, 2027, reflecting stronger-than-expected core banking income. Revised consolidated projections now call for hi...
Hyakujushi Bank Creates CISO Role and Realigns Executive Structure
Hyakujushi Bank has restructured its leadership to strengthen governance and cybersecurity, creating the new post of Chief Information Security Officer and appointing Director and Managing Executive Officer Tetsuya Iwase to the role. The board also a...
Hyakujushi Bank Extends Performance-Based Stock Compensation Plan for Directors
The Hyakujushi Bank has decided to extend its performance-based stock compensation plan for internal directors, maintaining a structure that awards company shares and other benefits after retirement in line with each director’s role and achieve...
Hyakujushi Bank Finalizes Adjusted Treasury Share Disposal for Employee Stock Incentives
Hyakujushi Bank has completed payment procedures for the disposal of treasury shares used as restricted stock incentives for its employee shareholding association, following a board resolution passed in May 2026. The program aims to encourage employe...
Hyakujushi Bank Posts Strong Q1 FY2026 Earnings and Confirms Dividend Outlook
Hyakujushi Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income surging 70.7% year on year to ¥41.2 billion and ordinary profit rising 29.3% to ¥9.5 billion. Profit attributable to owners...
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: Aug 17, 2026