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Miyazaki Bank Ltd.
(8393)
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Rating:68Neutral
Price Target:
¥3,314.00
▼(-53.19% 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
Accelerating revenue growth
Consistent revenue expansion, including acceleration in the latest annual period, indicates stronger business activity across the bank’s regional customer base. If sustained, this growth can support larger earning assets, broader customer relationships, and improved operating leverage over the coming quarters.
Negative Factors
Elevated leverage
Meaningful leverage increases the sensitivity of the balance sheet to weaker earnings or deterioration in asset quality. It can also constrain financial flexibility, because a larger portion of resources is committed to supporting obligations and maintaining stability during an adverse regional banking cycle.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue growth
Consistent revenue expansion, including acceleration in the latest annual period, indicates stronger business activity across the bank’s regional customer base. If sustained, this growth can support larger earning assets, broader customer relationships, and improved operating leverage over the coming quarters.
Read all positive factors
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥253.03B
Dividend Yield1.64%
Average Volume (3M)277.23K
Price to Earnings (P/E)16.9
Beta (1Y)1.17
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. Volume311,140
30 Day Avg. Volume277,230
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 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 as...
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
2579.54
Positive
2329.51
Positive
2004.20
Positive
Market Momentum
122.83
Negative
59.57
Neutral
74.75
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 2797.38, above the 50-day MA of 2579.54, and above the 200-day MA of 2004.20, indicating a bullish trend. The MACD of 122.83 indicates Negative momentum. The RSI at 59.57 is Neutral, neither overbought nor oversold. The STOCH value of 74.75 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 | ¥116.69B | 11.89 | ― | 1.59% | 15.70% | 63.78% | |
69 Neutral | ¥261.69B | 22.77 | 4.63% | 1.23% | 25.47% | 54.85% | |
68 Neutral | ¥253.03B | 16.89 | ― | 1.64% | 8.31% | 47.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥1.49T | 16.51 | 8.55% | 2.49% | 22.40% | 23.35% | |
65 Neutral | ¥138.07B | 14.16 | ― | 3.33% | 18.71% | 51.71% | |
63 Neutral | ¥756.02B | 20.31 | 4.82% | 1.98% | 14.57% | 7.83% |
* Financial Sector Average
JP:8393
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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...
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.