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Hyakujushi Bank, Ltd.
(8386)
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Rating:69Neutral
Price Target:
¥3,378.00
▼(-51.95% Downside)
Action:Reiterated
Date:08/17/26
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.
Positive Factors
Accelerating Revenue and Profit Growth
The sharp 2026 acceleration indicates stronger earning capacity across the regional banking franchise. A larger revenue and profit base can improve resilience and provide more internal capital to support lending and customer growth.
Negative Factors
Highly Volatile Cash Flow
Large year-to-year swings reduce confidence in recurring cash generation and complicate capital planning. Even with strong 2026 cash flow, the prior volatility indicates that reported earnings may not consistently translate into available cash.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue and Profit Growth
The sharp 2026 acceleration indicates stronger earning capacity across the regional banking franchise. A larger revenue and profit base can improve resilience and provide more internal capital to support lending and customer growth.
Read all positive factors
Hyakujushi Bank, Ltd. (8386) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥351.73B
Dividend Yield1.9%
Average Volume (3M)298.16K
Price to Earnings (P/E)17.3
Beta (1Y)1.16
Revenue Growth22.23%
EPS Growth45.07%
CountryJP
Employees2,107
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)178.39
Shares Outstanding114,520,000
10 Day Avg. Volume270,070
30 Day Avg. Volume298,160
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)0.62
Price to Sales (P/S)2.38
P/FCF Ratio9.26
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
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, s...
How the Company Makes Money
Hyakujushi Bank primarily earns revenue through banking net interest income: it collects interest and fees on loans (e.g., corporate loans, SME lending, and consumer lending such as housing loans) and securities investments, funded largely by cust...
Hyakujushi Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
45
Neutral
| 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 | 0.00 | 25.63B | -715.00M | 0.00 | -154.66B | 0.00 |
| Operating Cash Flow | 0.00 | 28.13B | 1.44B | 0.00 | -152.15B | 0.00 |
| Investing Cash Flow | 0.00 | 6.09B | -162.56B | -16.58B | 227.01B | -29.11B |
| Financing Cash Flow | 0.00 | 9.99B | -67.45B | -33.92B | -3.19B | 105.75B |
Hyakujushi Bank, Ltd. Technical Analysis
Positive
7030.00
Price Trends
2904.28
Positive
2680.00
Positive
2324.12
Positive
Market Momentum
45.63
Positive
56.09
Neutral
31.71
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8386, the sentiment is Positive. The current price of 7030 is above the 20-day moving average (MA) of 3057.30, above the 50-day MA of 2904.28, and above the 200-day MA of 2324.12, indicating a bullish trend. The MACD of 45.63 indicates Positive momentum. The RSI at 56.09 is Neutral, neither overbought nor oversold. The STOCH value of 31.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8386.
Hyakujushi Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥321.24B | 16.89 | ― | 2.20% | 12.74% | 38.29% | |
69 Neutral | ¥351.73B | 17.29 | ― | 1.90% | 22.23% | 45.07% | |
67 Neutral | ¥335.99B | 16.16 | ― | 1.83% | 39.26% | 34.23% | |
66 Neutral | ¥324.01B | 14.16 | 9.31% | 2.71% | 19.56% | 13.61% | |
66 Neutral | ¥328.96B | 18.86 | ― | 1.48% | 19.41% | 60.52% | |
61 Neutral | ¥395.15B | 22.62 | ― | 1.07% | 23.28% | 40.80% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8386
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Hyakujushi Bank, Ltd. Corporate Events
Hyakujushi Bank Extends Performance-Based Stock Compensation Plan for Directors
Aug 5, 2026
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 achi...
Hyakujushi Bank Finalizes Adjusted Treasury Share Disposal for Employee Stock Incentives
Aug 5, 2026
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 empl...
Hyakujushi Bank Posts Strong Q1 FY2026 Earnings and Confirms Dividend Outlook
Aug 5, 2026
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 owne...
Hyakujushi Bank Says ZENTOSHIN Bankruptcy Will Not Alter Earnings Outlook
Jul 10, 2026
Hyakujushi Bank, Ltd. said that ZENTOSHIN Co., Ltd., a credit card payment processing firm and one of its transaction counterparties, has entered bankruptcy proceedings following an order from the Osaka District Court on July 6, 2026. ZENTOSHIN, h...
Hyakujushi Bank to Transfer Securities Accounts to Nomura Under Alliance
Jun 15, 2026
Hyakujushi Bank has approved a simplified absorption-type company split to transfer the rights and obligations related to its customer securities accounts to Nomura Securities, a wholly owned subsidiary of Nomura Holdings. The move is part of a br...
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.