Hyakujushi Bank, Ltd. AI Stock Analysis
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Hyakujushi Bank, Ltd. (8386) AI Stock Analysis
Hyakujushi Bank, Ltd.
(TSE/TYO:8386)
Driven by solid financial performance with revenue growth and balance sheet improvements, supported by positive technical indicators; reasonable valuation adds stability, though cash flow variability poses some risk.
Hyakujushi Bank, Ltd. (8386) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 322.65B
- Dividend Yield
- 2.70%
- Average Volume (3M)
- 378.94K
- Price to Earnings (P/E)
- 14.0
- Beta (1Y)
- 1.36
- Revenue Growth
- 21.78%
- EPS Growth
- 44.50%
- 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 revenue and net income growth, improving balance sheet with reduced leverage, but cash flow volatility tempers the score.
Income Statement
85Very PositiveBalance Sheet
78PositiveCash Flow
65Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.67B | 99.56B | 88.40B | 79.28B | 83.76B | 68.79B |
| Gross Profit | 100.30B | 76.88B | 70.22B | 63.76B | 74.52B | 67.41B |
| EBITDA | 35.03B | 31.92B | 22.47B | 17.13B | 16.34B | 18.29B |
| Net Income | 22.97B | 18.86B | 13.70B | 9.64B | 9.17B | 11.70B |
Balance Sheet | ||||||
| Total Assets | 5.78T | 5.85T | 5.75T | 5.84T | 5.81T | 5.75T |
| Cash, Cash Equivalents and Short-Term Investments | 969.75B | 919.08B | 861.93B | 1.08T | 1.20T | 1.12T |
| Total Debt | 372.14B | 473.88B | 621.79B | 630.88B | 644.79B | 736.57B |
| Total Liabilities | 5.40T | 5.46T | 5.43T | 5.51T | 5.53T | 5.46T |
| Stockholders Equity | 388.67B | 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 Positive. The current price of 2834.00 is above the 20-day moving average (MA) of 2734.05, below the 50-day MA of 2959.66, and above the 200-day MA of 2563.05, indicating a neutral trend. The MACD of -67.26 indicates Negative momentum. The RSI at 51.14 is Neutral, neither overbought nor oversold. The STOCH value of 76.02 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
Overall Rating
- JP:838679Outperform
JP:836179Outperform
JP:838876Outperform
JP:854475Outperform
JP:837064Neutral
JP:836754Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8386 | 79Outperform | JPY 324.60B | 13.97 | ― | 2.70% | 21.78% | 44.50% |
| JP:8361 | 79Outperform | JPY 320.44B | 15.01 | ― | 6.18% | 39.26% | 34.23% |
| JP:8388 | 76Outperform | JPY 384.83B | 21.24 | ― | 6.09% | 23.28% | 40.80% |
| JP:8544 | 75Outperform | JPY 273.81B | 16.02 | ― | 2.40% | 24.49% | 29.78% |
| JP:8370 | 64Neutral | JPY 305.10B | 11.27 | 10.51% | 6.90% | 21.89% | 36.89% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8367 | 54Neutral | JPY 295.89B | 13.29 | ― | 3.14% | 19.76% | 44.98% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8386 | Hyakujushi Bank, Ltd. | 2834.00 | 1403.09 | 98.06% | |
| 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:8388 | Awa Bank, Ltd. | 1914.00 | 1166.37 | 156.01% | |
| JP:8544 | Keiyo Bank, Ltd. | 2335.00 | 936.34 | 66.95% |
Hyakujushi Bank, Ltd. Corporate Events
Hyakujushi Bank Board Resolves to Acquire Treasury Shares
The bank said its board resolved on November 10, 2026, to acquire up to 2 million common shares, representing 1.76% of issued shares excluding treasury shares, for a maximum of ¥3 billion. The acquisition period is November 11, 2026, through March 24...
Hyakujushi Bank Reports Six-Month 2026 Consolidated Results
Hyakujushi Bank, Ltd. is a bank listed on the Tokyo Stock Exchange. For the six months ended September 30, 2026, consolidated ordinary income was ¥76,456 million, ordinary profit was ¥19,750 million, and profit attributable to owners of the parent wa...
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...
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