Hyakujushi Bank, Ltd. (8386) AI Stock Analysis

• Market Cap: ¥103.64B
• Dividend Yield: 3.26%
• Average Volume (3M): 94.63K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.98
• Revenue Growth: -0.27%
• EPS Growth: 38.79%
• Country: JP
• Employees: 2,147
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 130.56
• Shares Outstanding: 28,630,000
• 10 Day Avg. Volume: 80,790
• 30 Day Avg. Volume: 94,630
• PEG Ratio: 0.65
• Price to Book (P/B): 0.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

Hyakujushi Bank's overall score reflects its strong profitability and robust valuation, with an attractive P/E ratio and solid dividend yield. However, technical indicators suggest potential short-term challenges, and cash flow concerns highlight the need for better liquidity management. The bank's conservative approach and stable financial structure provide a reliable foundation, but addressing cash flow issues is crucial for future growth.

Hyakujushi Bank, Ltd. Business Overview & Revenue Model

Company Description

Hyakujushi Bank, Ltd. (8386) is a regional bank headquartered in Japan, primarily serving the Kagawa Prefecture and surrounding areas. The bank offers a comprehensive range of financial products and services, including personal and corporate banking, loans, deposits, investment services, and foreign exchange. It operates through a network of branches, ATMs, and online platforms, catering to both individual and business clients.

How the Company Makes Money

Hyakujushi Bank, Ltd. generates revenue through a diversified range of banking activities. The primary source of income is the interest earned on loans extended to individuals and businesses, including mortgages, personal loans, and commercial loans. Additionally, the bank earns fees and commissions from various financial services, such as account management, investment services, and transaction processing. Deposits from customers provide a stable funding base, enabling the bank to engage in lending activities. The bank also invests in securities and earns interest on these investments. Partnerships with financial institutions and participation in local economic development projects further support its revenue streams.

Hyakujushi Bank, Ltd. Financial Statement Overview

Summary

Hyakujushi Bank exhibits strong profitability with a solid gross profit margin of 96.34% and a net profit margin of 17.00%. The revenue growth is stable at 1.00%, and the bank maintains a well-capitalized position with a high equity ratio. However, cash flow challenges are notable due to recent negative free cash flows and zero operating cash flow in the TTM, indicating liquidity management issues.

Income Statement

Hyakujushi Bank shows a solid TTM gross profit margin of 96.34% and a net profit margin of 17.00%, indicating strong profitability. The revenue growth rate from the previous year is 1.00%, reflecting stability rather than aggressive growth. The EBIT margin is 42.54%, which is quite robust, but the EBITDA margin of 15.80% is relatively lower due to significant amortization or depreciation expenses.

Balance Sheet

The bank maintains a high equity ratio of 5.73%, indicating a well-capitalized position, essential for its regional banking operations. The debt-to-equity ratio is at 1.91, which suggests moderate leverage. Return on equity (ROE) is at 3.81%, showing modest returns for shareholders, likely due to the bank's conservative financial strategy.

Cash Flow

The cash flow statement reveals challenges, with a significant negative free cash flow in the last reported annual period, indicating potential liquidity management issues. The operating cash flow to net income ratio is not computable due to zero reported operating cash flow in TTM, which raises concerns about cash generation from core operations.

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
74.24B	63.91B	73.51B	67.26B	62.56B	67.08B
	Gross Profit
71.52B	63.91B	73.51B	67.26B	62.56B	67.08B
	EBIT
31.59B	15.18B	10.08B	11.79B	1.78B	7.59B
	EBITDA
15.81B	0.00	16.34B	18.29B	0.00	14.35B
	Net Income Common Stockholders
12.63B	9.64B	9.17B	11.70B	2.56B	7.71B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
775.22B	1.08T	1.20T	1.12T	893.02B	652.01B
	Total Assets
5.79T	5.84T	5.81T	5.75T	5.38T	4.95T
	Total Debt
633.09B	630.88B	644.79B	723.87B	405.42B	340.39B
	Net Debt
-142.13B	-449.68B	-553.06B	-392.13B	-487.60B	-311.62B
	Total Liabilities
5.46T	5.51T	624.43B	5.46T	5.08T	4.70T
	Stockholders Equity
331.64B	329.19B	281.10B	284.33B	291.70B	249.83B
Cash Flow		Free Cash Flow
0.00	-96.38B	-154.66B	251.24B	213.53B	72.03B
	Operating Cash Flow
0.00	-92.45B	-152.15B	253.92B	216.35B	74.58B
	Investing Cash Flow
0.00	-16.58B	227.01B	-29.11B	27.36B	-249.75B
	Financing Cash Flow
0.00	-33.92B	-3.19B	-1.77B	-2.44B	-2.51B

Hyakujushi Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3280.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 3280 is above the 20-day moving average (MA) of 3203.65, above the 50-day MA of 3277.75, and above the 200-day MA of 2996.21, indicating a bullish trend. The MACD of 80.80 indicates Negative momentum. The RSI at 70.71 is Negative, neither overbought nor oversold. The STOCH value of 84.70 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$901.09B	12.10	6.30%	3.06%	9.55%	9.39%
8377	71 Outperform	¥338.13B	8.85		1.78%	21.04%	20.47%
8354	70 Outperform	$745.29B	10.17	7.30%	3.19%	15.35%	-1.62%
8386	65 Neutral	¥103.64B	7.66		3.26%	-0.27%	38.79%
Sector *	64 Neutral	$12.75B	9.93	7.86%	17015.07%	12.19%	-5.92%

Hyakujushi Bank, Ltd. Corporate Events

Hyakujushi Bank Reports Strong Financial Performance for 2024

Hyakujushi Bank reported a 4.2% increase in ordinary income for the nine months ended December 31, 2024, with significant growth in ordinary profit and profit attributable to owners. The bank maintains a stable financial position with slightly reduced total assets and a slightly improved capital adequacy ratio, indicating a positive trajectory in its financial health.