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Miyazaki Bank Ltd. (8393) AI Stock Analysis
Miyazaki Bank Ltd.
(TSE/TYO:8393)
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.
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 206.85B
- Dividend Yield
- 2.03%
- Average Volume (3M)
- 336.87K
- Price to Earnings (P/E)
- 13.8
- Beta (1Y)
- 1.21
- Revenue Growth
- 8.31%
- EPS Growth
- 47.11%
- 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
Income statement strength (Score 74) shows solid and accelerating revenue growth (+14.6% in 2026 vs. 2025) and meaningfully higher net income (14.1B vs. 9.8B). This is tempered by balance-sheet risk (Score 60) from elevated leverage and only mid-single-digit ROE, plus volatile cash-flow behavior (Score 55) with large historical swings that reduce confidence in cash-flow stability.
Income Statement
74PositiveBalance Sheet
60NeutralCash Flow
55Neutral| 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 | 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 2465.00 is below the 20-day moving average (MA) of 2574.05, below the 50-day MA of 2609.08, and above the 200-day MA of 2105.27, indicating a neutral trend. The MACD of -76.94 indicates Positive momentum. The RSI at 44.86 is Neutral, neither overbought nor oversold. The STOCH value of 82.60 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:839368Neutral
JP:839567Neutral
JP:835465Neutral
JP:839965Neutral
JP:718059Neutral
JP:839258Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8393 | 68Neutral | JPY 210.22B | 13.81 | ― | 2.03% | 8.31% | 47.11% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8395 | 67Neutral | JPY 107.74B | 10.71 | ― | 1.92% | 15.70% | 63.78% |
| JP:8354 | 65Neutral | JPY 1.32T | 14.39 | 8.55% | 2.88% | 22.40% | 23.35% |
| JP:8399 | 65Neutral | JPY 119.28B | 12.14 | ― | 3.91% | 18.71% | 51.71% |
| JP:7180 | 59Neutral | JPY 667.36B | 17.66 | 4.82% | 2.30% | 14.57% | 7.83% |
| JP:8392 | 58Neutral | JPY 225.26B | 19.39 | 4.63% | 1.45% | 25.47% | 54.85% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8393 | Miyazaki Bank Ltd. | 2465.00 | 1556.11 | 171.21% | |
| JP:8354 | Fukuoka Financial Group | 6955.00 | 2595.60 | 59.54% | |
| JP:7180 | Kyushu Financial Group | 1520.50 | 658.14 | 76.32% | |
| JP:8392 | Oita Bank | 2888.00 | 1886.30 | 188.31% | |
| JP:8395 | Bank of Saga Ltd. | 6500.00 | 3358.84 | 106.93% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2812.00 | 1367.34 | 94.65% |
Miyazaki Bank Ltd. Corporate Events
Miyazaki Bank Delivers Strong Q1 Results and Maintains Full-Year Guidance
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 pare...
Miyazaki Bank Sets Terms for Management Stock Compensation Options
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 compens...
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