Awa Bank, Ltd. AI Stock Analysis
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Awa Bank, Ltd. (8388) AI Stock Analysis
Awa Bank, Ltd.
(TSE/TYO:8388)
The overall score of 76 is driven primarily by the company's robust financial health, marked by a conservative balance sheet and long-term profitability. Strong technical momentum further supports the positive outlook. The high dividend yield provides a significant cushion against a somewhat elevated P/E ratio, making the stock attractive for total return. The primary risk to monitor is the historical volatility in cash flows and the recent dip in revenue growth.
Awa Bank, Ltd. (8388) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 378.66B
- Dividend Yield
- 6.09%
- Average Volume (3M)
- 811.07K
- Price to Earnings (P/E)
- 21.2
- Beta (1Y)
- 1.20
- Revenue Growth
- 23.28%
- EPS Growth
- 40.80%
- Country
- Japan
- Employees
- 1,410
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Awa Bank, Ltd. Business Overview & Revenue Model
Company Description
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,...
How the Company Makes Money
Awa Bank makes money primarily through (1) net interest income and (2) non-interest income. Net interest income is generated by taking in customer deposits and other funding at relatively low interest rates and deploying those funds into interest-ear...
Awa Bank, Ltd. Financial Statement Overview
Summary
Awa Bank demonstrates solid financial health with a strong balance sheet (Score 85) characterized by low leverage and consistent equity growth. The income statement (Score 75) shows long-term revenue and net income growth, though recent revenue decline and modest profitability temper the outlook. Cash flow (Score 70) is positive but historically volatile. Overall, the financial foundation is sound and trending positively.
Income Statement
75PositiveBalance Sheet
85Very PositiveCash Flow
70Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 111.53B | 93.94B | 75.71B | 72.81B | 85.75B | 66.11B |
| Gross Profit | 99.57B | 81.69B | 67.62B | 62.55B | 77.49B | 61.72B |
| EBITDA | 24.74B | 24.71B | 20.55B | 19.27B | 17.70B | 19.07B |
| Net Income | 17.56B | 15.53B | 13.20B | 11.26B | 10.21B | 11.11B |
Balance Sheet | ||||||
| Total Assets | 4.21T | 4.17T | 4.02T | 3.92T | 3.85T | 3.98T |
| Cash, Cash Equivalents and Short-Term Investments | 360.11B | 346.44B | 427.65B | 402.27B | 482.87B | 690.24B |
| Total Debt | 191.12B | 225.60B | 216.41B | 213.13B | 128.11B | 605.05B |
| Total Liabilities | 3.80T | 3.77T | 3.69T | 3.59T | 3.57T | 3.69T |
| Stockholders Equity | 414.39B | 399.62B | 334.22B | 332.62B | 278.76B | 288.40B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 11.78B | 36.74B | 2.49B | -325.82B | 92.37B |
| Operating Cash Flow | 0 | 14.17B | 38.54B | 5.69B | -321.75B | 96.67B |
| Investing Cash Flow | 0 | -104.15B | 1.99B | -72.30B | 93.25B | -37.03B |
| Financing Cash Flow | 0 | 33.73B | 65.85B | -13.75B | -3.60B | -2.27B |
Awa 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:8388, the sentiment is Positive. The current price of 1914.00 is below the 20-day moving average (MA) of 1918.35, below the 50-day MA of 2012.20, and above the 200-day MA of 1498.98, indicating a neutral trend. The MACD of -48.54 indicates Positive momentum. The RSI at 49.54 is Neutral, neither overbought nor oversold. The STOCH value of 51.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8388.
Awa Bank, Ltd. Peers Comparison
Overall Rating
JP:838682.5Outperform- JP:838876Outperform
JP:854475Outperform
JP:833671.9Outperform
JP:738162Neutral
JP:836754Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8386 | 83Outperform | JPY 324.60B | 13.97 | ― | 2.70% | 21.78% | 44.50% |
| 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:8336 | 72Outperform | JPY 255.26B | 14.14 | ― | 2.86% | 36.61% | 25.72% |
| JP:7381 | 62Neutral | JPY 259.12B | 13.76 | ― | 2.40% | 49.48% | 75.57% |
| 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:8388 | Awa Bank, Ltd. | 1914.00 | 1166.37 | 156.01% | |
| JP:7381 | Hokkoku Financial Holdings,Inc. | 1126.00 | 491.69 | 77.52% | |
| JP:8336 | Musashino Bank, Ltd. | 2548.00 | 1118.72 | 78.27% | |
| JP:8367 | Nanto Bank Ltd. | 1786.00 | 758.88 | 73.89% | |
| JP:8386 | Hyakujushi Bank, Ltd. | 2834.00 | 1403.09 | 98.06% | |
| JP:8544 | Keiyo Bank, Ltd. | 2335.00 | 936.34 | 66.95% |
Awa Bank, Ltd. Corporate Events
Awa Bank Restructures Awagin Connect in Alliance With Shikoku Broadcasting
The Awa Bank has approved a capital and business alliance among its subsidiary Awagin Connect and Shikoku Broadcasting, centered on e-commerce, content production and regional business support. Shikoku Broadcasting will acquire newly issued shares in...
Awa Bank Lifts Earnings Outlook and Ups Dividend Ahead of Share Split
The Awa Bank, Ltd. has raised its consolidated and non-consolidated forecasts for the fiscal year ending March 31, 2027, citing stronger-than-expected operating trends. Ordinary revenues, ordinary profit and profit attributable to owners of parent ar...
Awa Bank to Execute Five-for-One Stock Split and Revamp Shareholder Benefits
The Awa Bank, Ltd. will implement a five-for-one stock split effective October 1, 2026, increasing issued shares from 40 million to 200 million and authorized shares to 500 million to lower its investment unit price. The move is intended to enhance s...
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: Sep 30, 2026