Miyazaki Bank Ltd. AI Stock Analysis
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Miyazaki Bank Ltd. (8393) AI Stock Analysis
Miyazaki Bank Ltd.
(TSE/TYO:8393)
Miyazaki Bank's strong financial performance, characterized by robust income growth and solid balance sheet, is the primary driver of the score. Positive technical indicators, including price above moving averages and bullish momentum, further support the outlook. Valuation appears fair, providing a balanced risk-reward profile.
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 205.59B
- Dividend Yield
- 2.33%
- Average Volume (3M)
- 345.15K
- Price to Earnings (P/E)
- 13.2
- Beta (1Y)
- 1.32
- Revenue Growth
- 9.60%
- EPS Growth
- 33.99%
- Country
- Japan
- Employees
- 1,392
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 bo...
How the Company Makes Money
Miyazaki Bank primarily earns money through interest-based banking activities and fee-based financial services. Its largest recurring income source is typically net interest income: the bank collects interest on loans and other interest-earning asset...
Miyazaki Bank Ltd. Financial Statement Overview
Summary
Miyazaki Bank shows strong revenue growth (14.6%) and net income surge (44%), with expanding margins. Balance sheet is healthy with increased equity and manageable leverage (D/E 2.67). Cash flow is positive but volatile, typical for banking. Overall financial health is solid.
Income Statement
85Very PositiveBalance Sheet
75PositiveCash Flow
65Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 98.22B | 88.42B | 78.32B | 67.09B | 62.00B | 58.36B |
| Gross Profit | 77.47B | 65.27B | 58.76B | 54.46B | 56.16B | 53.08B |
| EBITDA | 21.67B | 22.62B | 16.78B | 12.96B | 14.63B | 14.23B |
| Net Income | 15.53B | 14.09B | 9.78B | 7.09B | 8.13B | 7.47B |
Balance Sheet | ||||||
| Total Assets | 3.97T | 4.08T | 4.07T | 4.11T | 4.03T | 4.24T |
| Cash, Cash Equivalents and Short-Term Investments | 685.07B | 772.17B | 828.46B | 925.05B | 1.02T | 1.19T |
| Total Debt | 471.27B | 594.21B | 379.01B | 500.41B | 602.30B | 947.19B |
| Total Liabilities | 3.74T | 3.85T | 3.88T | 3.92T | 3.86T | 4.08T |
| Stockholders Equity | 233.31B | 222.34B | 189.64B | 189.85B | 163.16B | 159.13B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 23.03B | 79.98B | 64.20B | -198.67B | 485.93B |
| Operating Cash Flow | 0 | 23.73B | 80.68B | 65.51B | -196.26B | 487.69B |
| Investing Cash Flow | 0 | -25.43B | 30.54B | -134.71B | 27.26B | -14.87B |
| Financing Cash Flow | 0 | -54.66B | 3.97B | -22.57B | -1.90B | -1.73B |
Miyazaki 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:8393, the sentiment is Positive. The current price of 2450.00 is above the 20-day moving average (MA) of 2393.95, below the 50-day MA of 2596.65, and above the 200-day MA of 2148.42, indicating a neutral trend. The MACD of -50.79 indicates Negative momentum. The RSI at 49.21 is Neutral, neither overbought nor oversold. The STOCH value of 88.28 is Negative, 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
Overall Rating
JP:839978Outperform
JP:835475.2Outperform
JP:839575Outperform- JP:839375Outperform
JP:718072Outperform
JP:839266Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8399 | 78Outperform | JPY 112.83B | 11.52 | ― | 4.14% | 18.94% | 26.15% |
| JP:8354 | 75Outperform | JPY 1.37T | 13.44 | 9.26% | 2.78% | 27.18% | 32.25% |
| JP:8395 | 75Outperform | JPY 100.61B | 10.86 | ― | 2.06% | 15.58% | 15.08% |
| JP:8393 | 75Outperform | JPY 208.94B | 13.24 | ― | 2.33% | 9.60% | 33.99% |
| JP:7180 | 72Outperform | JPY 649.81B | 16.06 | 5.05% | 2.36% | 20.93% | 9.02% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8392 | 66Neutral | JPY 207.17B | 15.14 | 5.27% | 1.58% | 24.51% | 62.67% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8393 | Miyazaki Bank Ltd. | 2450.00 | 1435.33 | 141.46% | |
| JP:8354 | Fukuoka Financial Group | 7193.00 | 2783.06 | 63.11% | |
| JP:7180 | Kyushu Financial Group | 1480.50 | 610.53 | 70.18% | |
| JP:8392 | Oita Bank | 2656.00 | 1620.85 | 156.58% | |
| JP:8395 | Bank of Saga Ltd. | 6070.00 | 2845.54 | 88.25% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2660.00 | 1140.47 | 75.05% |
Miyazaki Bank Ltd. Corporate Events
Miyazaki Bank Raises Annual Dividend Forecast to ¥70 per Share
The Miyazaki Bank, Ltd. is a Japanese regional bank providing banking and financial services, primarily serving customers and businesses in Miyazaki and neighboring areas.The bank’s board approved an interim dividend of ¥35 per share for the six mont...
Miyazaki Bank Raises Full-Year Forecasts on Stronger Performance
The Miyazaki Bank raised its full-year consolidated forecast for the fiscal year ending March 2027, lifting ordinary revenues to ¥105.5 billion, ordinary profit to ¥24.5 billion and profit attributable to owners of the parent to ¥17 billion. The revi...
Miyazaki Bank Reports Stronger First-Half Earnings and Capital Position
Miyazaki Bank reported stronger consolidated results for the six months ended September 30, 2026. Ordinary income rose 30.3% year over year to ¥55.036 billion, ordinary profit increased 19.8% to ¥11.563 billion, and profit attributable to owners of t...
Miyazaki Bank Raises Six-Month Forecasts on Stronger Earnings
The Miyazaki Bank raised its consolidated forecasts for the six months ended September 30, 2026, projecting ordinary income of ¥55.0 billion, ordinary profit of ¥11.5 billion and profit attributable to owners of ¥8.2 billion. It also increased its no...
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