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Awa Bank, Ltd. (JP:8388)
:8388
Japanese Market
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Awa Bank, Ltd. (8388) Price & Analysis

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8388 Stock Chart & Stats

¥4610.00
-¥1.00(-0.04%)
At close: 4:00 PM EST
¥4610.00
-¥1.00(-0.04%)

Bulls Say, Bears Say

Bulls Say
Improving ProfitabilityNet income increased from 11.3B in 2024 to 15.5B in 2026, while 2025 net and EBIT margins were about 17% and 23%. Improving profitability can strengthen retained earnings and support investment in lending and customer services over the next several quarters.
Stronger Capital BaseEquity rose from about 332.6B in 2024 to 399.6B in 2026, while debt-to-equity stayed around 0.50–0.65 in 2024–2025. This combination provides a stronger capital base and moderate leverage, helping the bank absorb stress while continuing to serve customers.
Diversified Banking IncomeRevenue is generated through both net interest income and fee-based services, including deposits, loans, payments and settlement. This mix gives Awa Bank multiple customer relationships and income channels across individuals, SMEs and local institutions, rather than relying on one product.
Bears Say
Modest Returns On EquityReturns on equity remained roughly 3%–4% from 2022 through 2025 despite improving earnings. Modest capital productivity can constrain retained-profit growth and indicates that stronger net income has not yet translated into robust returns for the bank over a sustained period.
Volatile Cash GenerationOperating cash flow was deeply negative in 2023 and then moved to 5.7B in 2024, 38.5B in 2025 and 14.2B in 2026; free cash flow also swung sharply. Such uneven conversion makes internally generated cash less predictable for funding and capital allocation.
Uneven Revenue TrajectoryRevenue growth has been uneven, with strong expansion in 2023 and 2026 but a notable decline in 2024. This inconsistency makes the earnings trajectory less dependable and suggests profitability improvement has not been supported by a steadily rising top line.

Awa Bank, Ltd. News

8388 FAQ

What was Awa Bank, Ltd.’s price range in the past 12 months?
Awa Bank, Ltd. lowest stock price was ¥712.00 and its highest was ¥2336.00 in the past 12 months.
    What is Awa Bank, Ltd.’s market cap?
    Awa Bank, Ltd.’s market cap is ¥387.02B.
      When is Awa Bank, Ltd.’s upcoming earnings report date?
      Awa Bank, Ltd.’s upcoming earnings report date is Nov 13, 2026 which is in 21 days.
        How were Awa Bank, Ltd.’s earnings last quarter?
        Awa Bank, Ltd. released its earnings results on Jul 31, 2026. The company reported ¥29.886 earnings per share for the quarter.
          Is Awa Bank, Ltd. overvalued?
          According to Wall Street analysts Awa Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Awa Bank, Ltd. pay dividends?
            Awa Bank, Ltd. pays a Semiannually dividend of ¥22 which represents an annual dividend yield of 5.98%. See more information on Awa Bank, Ltd. dividends here
              What is Awa Bank, Ltd.’s EPS estimate?
              Awa Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Awa Bank, Ltd. have?
              Awa Bank, Ltd. has 200,000,000 shares outstanding.
                What happened to Awa Bank, Ltd.’s price movement after its last earnings report?
                Awa Bank, Ltd. reported an EPS of ¥29.886 in its last earnings report. Following the earnings report the stock price went up 1.583%.
                  Which hedge fund is a major shareholder of Awa Bank, Ltd.?
                  Currently, no hedge funds are holding shares in JP:8388
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Awa Bank, Ltd.

                    The Awa Bank, Ltd. is a long-standing Japanese financial institution, delivering a comprehensive array of banking products and services to both individual and corporate clients across Japan. Its financial offerings encompass various deposit accounts, including current, savings, fixed-term, and foreign currency options, alongside certificates of deposit and investment trusts. The bank also extends a wide range of credit facilities, such as loans for housing, renovations, automobiles, credit cards, education, solar energy projects, industrial ventures, and general business support. Furthermore, it provides diverse insurance solutions, covering life, property, academic, and commercial needs, in addition to offering secure storage through safe deposit boxes. Complementing its core banking functions, The Awa Bank supplies online banking, pension services, convenience solutions, and management and business advisory support. Founded in 1896, the institution, which was initially known as Tokushima Commercial Bank, Ltd. before adopting its current name in 1964, operated through a network of 101 branches as of March 31, 2021. Its headquarters are located in Tokushima, Japan.

                    Awa Bank, Ltd. (8388) Earnings & Revenues

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