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Miyazaki Bank Ltd.
(8393)
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Rating:68Neutral
Price Target:
¥2,722.00
▼(-61.55% Downside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving financial performance (strong recent revenue and net income growth) and supportive technicals (price above key moving averages with positive momentum). Offsetting factors are balance-sheet leverage and historically volatile cash flows, while valuation is reasonable but not deeply discounted and the dividend yield is modest.
Positive Factors
Revenue Growth
Sustained revenue expansion indicates improving business activity across Miyazaki Bank’s lending and financial-services franchise. Continued growth can support earnings resilience and broaden the bank’s income base over the next several quarters.
Negative Factors
Elevated Leverage
Meaningful leverage remains a structural risk for a regional bank because weaker earnings or asset quality could increase pressure on capital and funding flexibility. The risk is partly offset by recent equity growth but remains important over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue expansion indicates improving business activity across Miyazaki Bank’s lending and financial-services franchise. Continued growth can support earnings resilience and broaden the bank’s income base over the next several quarters.
Read all positive factors
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥223.36B
Dividend Yield1.51%
Average Volume (3M)267.24K
Price to Earnings (P/E)14.8
Beta (1Y)1.12
Revenue Growth8.31%
EPS Growth47.11%
CountryJP
Employees1,392
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)178.51
Shares Outstanding85,667,000
10 Day Avg. Volume241,170
30 Day Avg. Volume267,236
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.67
Price to Sales (P/S)1.69
P/FCF Ratio6.51
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
Miyazaki Bank Ltd. Business Overview & Revenue Model
Company Description
The Miyazaki Bank, Ltd. provides a full spectrum of financial and banking services to both individual consumers and corporate clients across Japan. Its offerings encompass fundamental services such as deposit accounts, various lending options, and...
How the Company Makes Money
Miyazaki Bank’s earnings are primarily driven by banking spread and fee-based services. Its core revenue stream is interest income from loans and other interest-earning assets, net of interest expense paid on customer deposits and other funding (n...
Miyazaki Bank Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.64B | 88.42B | 78.32B | 67.09B | 62.00B | 58.36B |
| Gross Profit | 72.11B | 65.27B | 58.76B | 54.46B | 56.16B | 53.08B |
| EBITDA | 20.70B | 22.62B | 16.78B | 12.96B | 14.63B | 14.23B |
| Net Income | 14.99B | 14.09B | 9.78B | 7.09B | 8.13B | 7.47B |
Balance Sheet | ||||||
| Total Assets | 4.11T | 4.08T | 4.07T | 4.11T | 4.03T | 4.24T |
| Cash, Cash Equivalents and Short-Term Investments | 819.60B | 772.17B | 828.46B | 925.05B | 1.02T | 1.19T |
| Total Debt | 541.73B | 594.21B | 379.01B | 500.41B | 602.30B | 947.19B |
| Total Liabilities | 3.88T | 3.85T | 3.88T | 3.92T | 3.86T | 4.08T |
| Stockholders Equity | 232.38B | 222.34B | 189.64B | 189.85B | 163.16B | 159.13B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 23.03B | 79.98B | 64.20B | -198.67B | 485.93B |
| Operating Cash Flow | 0.00 | 23.73B | 80.68B | 65.51B | -196.26B | 487.69B |
| Investing Cash Flow | 0.00 | -25.43B | 30.54B | -134.71B | 27.26B | -14.87B |
| Financing Cash Flow | 0.00 | -54.66B | 3.97B | -22.57B | -1.90B | -1.73B |
Miyazaki Bank Ltd. Technical Analysis
Positive
7080.00
Price Trends
2355.12
Positive
2180.30
Positive
1840.37
Positive
Market Momentum
66.21
Negative
61.69
Neutral
76.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8393, the sentiment is Positive. The current price of 7080 is above the 20-day moving average (MA) of 2480.25, above the 50-day MA of 2355.12, and above the 200-day MA of 1840.37, indicating a bullish trend. The MACD of 66.21 indicates Negative momentum. The RSI at 61.69 is Neutral, neither overbought nor oversold. The STOCH value of 76.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8393.
Miyazaki Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥109.89B | 10.83 | ― | 2.29% | 15.70% | 63.78% | |
69 Neutral | ¥230.80B | 20.09 | 4.63% | 1.22% | 25.47% | 54.85% | |
68 Neutral | ¥223.36B | 14.85 | ― | 2.29% | 8.31% | 47.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥1.52T | 16.40 | 8.55% | 2.38% | 22.40% | 23.35% | |
65 Neutral | ¥138.07B | 13.97 | ― | 2.46% | 18.71% | 51.71% | |
63 Neutral | ¥711.03B | 18.71 | 4.82% | 1.80% | 14.57% | 7.83% |
* Financial Sector Average
JP:8393
Miyazaki Bank Ltd.
2,651.00
1,802.82
212.55%
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JP:8392
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1,914.21
144.93%
Miyazaki Bank Ltd. Corporate Events
Miyazaki Bank Delivers Strong Q1 Results and Maintains Full-Year Guidance
Aug 6, 2026
Miyazaki Bank reported a strong first quarter for the fiscal year ending March 31, 2027, with ordinary income rising 33.1% year on year to ¥28.4 billion and ordinary profit up 18.7% to ¥6.0 billion. Profit attributable to owners of the p...
Miyazaki Bank Sets Terms for Management Stock Compensation Options
Aug 3, 2026
Miyazaki Bank has approved detailed terms for a new issuance of stock compensation-type stock options to its directors and executive officers. The move underscores the bank’s use of equity-linked incentives as part of its governance and comp...
Miyazaki Bank Introduces New Stock Option Plan for Executives
Jun 25, 2026
The Miyazaki Bank has approved the issuance of its 14th series of stock acquisition rights as stock compensation-type stock options for 12 eligible directors and executive officers. The program is structured to align management incentives with sha...
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.