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Awa Bank, Ltd.
(8388)
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Rating:66Neutral
Price Target:
¥11,923.00
▲(158.63% Upside)
Action:Downgraded
Date:07/28/26
The score is driven primarily by improving profitability but held back by unstable cash-flow performance. Technicals are a clear positive with the stock trading above all major moving averages, while valuation is neutral-to-slightly negative given the ~22 P/E and modest ~1.64% dividend yield.
Positive Factors
Improving Net Income
The sustained increase in net income across three reported years indicates improving earnings capacity rather than a single-period uplift. Stronger profitability can support capital formation, technology investment, and resilience while reinforcing the bank’s position in its regional franchise.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow make cash conversion less predictable despite positive results in recent years. This variability can complicate capital planning, reduce confidence in internally generated funding, and limit the bank’s ability to consistently deploy cash.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Net Income
The sustained increase in net income across three reported years indicates improving earnings capacity rather than a single-period uplift. Stronger profitability can support capital formation, technology investment, and resilience while reinforcing the bank’s position in its regional franchise.
Read all positive factors
Awa Bank, Ltd. (8388) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥428.11B
Dividend Yield0.98%
Average Volume (3M)139.16K
Price to Earnings (P/E)24.5
Beta (1Y)1.05
Revenue Growth23.28%
EPS Growth40.80%
CountryJP
Employees1,410
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)450.51
Shares Outstanding40,000,000
10 Day Avg. Volume94,840
30 Day Avg. Volume139,156
Financial Highlights & Ratios
PEG Ratio0.72
Price to Book (P/B)0.56
Price to Sales (P/S)2.37
P/FCF Ratio18.91
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
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 accoun...
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-...
Awa Bank, Ltd. Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
64
Positive
Cash Flow
48
Neutral
| 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 | 0.00 | 11.78B | 36.74B | 2.49B | -325.82B | 92.37B |
| Operating Cash Flow | 0.00 | 14.17B | 38.54B | 5.69B | -321.75B | 96.67B |
| Investing Cash Flow | 0.00 | -104.15B | 1.99B | -72.30B | 93.25B | -37.03B |
| Financing Cash Flow | 0.00 | 33.73B | 65.85B | -13.75B | -3.60B | -2.27B |
Awa Bank, Ltd. Technical Analysis
Positive
4610.00
Price Trends
9198.80
Positive
8032.10
Positive
6651.08
Positive
Market Momentum
393.87
Negative
72.46
Negative
75.82
Neutral
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 4610 is below the 20-day moving average (MA) of 10076.00, below the 50-day MA of 9198.80, and below the 200-day MA of 6651.08, indicating a bullish trend. The MACD of 393.87 indicates Negative momentum. The RSI at 72.46 is Negative, neither overbought nor oversold. The STOCH value of 75.82 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥295.42B | 18.32 | ― | 1.92% | 30.51% | 18.50% | |
69 Neutral | ¥369.98B | 18.19 | ― | 1.80% | 22.23% | 45.07% | |
66 Neutral | ¥428.11B | 24.51 | ― | 0.98% | 23.28% | 40.80% | |
62 Neutral | ¥309.77B | 21.26 | ― | 1.68% | 34.41% | 28.29% | |
62 Neutral | ¥348.78B | 19.99 | ― | 1.40% | 19.41% | 60.52% | |
57 Neutral | ¥343.80B | 18.07 | ― | 2.06% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8388
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Awa Bank, Ltd. Corporate Events
Awa Bank Restructures Awagin Connect in Alliance With Shikoku Broadcasting
Sep 25, 2026
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...
Awa Bank Lifts Earnings Outlook and Ups Dividend Ahead of Share Split
Sep 25, 2026
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...
Awa Bank to Execute Five-for-One Stock Split and Revamp Shareholder Benefits
Aug 25, 2026
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 enhanc...
Awa Bank Posts Strong Quarterly Profit Growth and Affirms Dividend Outlook
Jul 31, 2026
Awa Bank reported a sharp improvement in earnings for the three months ended June 30, 2026, with ordinary income rising 73.6% year on year to ¥37.94 billion and ordinary profit up 56.5% to ¥8.33 billion. Profit attributable to owners of ...
Awa Bank Lifts Interim Earnings Forecast on Stronger Operating Trends
Jul 28, 2026
The Awa Bank, Ltd. has raised its consolidated earnings forecast for the six months ending September 30, 2026, citing better-than-expected operating trends. The bank now expects ordinary revenues of ¥65.7 billion, ordinary profit of ¥15....
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.