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Keiyo Bank, Ltd.
(8544)
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Rating:66Neutral
Price Target:
¥2,568.00
▲(48.18% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed financial performance—strong FY2026 revenue and profitability but meaningfully weakened by highly volatile cash flows and notable leverage. Technicals add support with a clear uptrend and moderate momentum. Valuation is neutral-to-slightly negative due to a mid-range P/E and modest dividend yield.
Positive Factors
Revenue Growth
The sharp FY2026 revenue acceleration indicates stronger business activity across the bank’s lending, deposit, and service franchise. If maintained, this growth can expand the earnings base, support investment in customer relationships, and improve operating leverage over the next several quarters.
Negative Factors
Cash Flow Volatility
The steep decline in operating cash flow and repeated multi-year swings make earnings conversion less dependable than the income statement alone suggests. Uneven cash generation can restrict internally funded growth, complicate capital planning, and reduce flexibility when lending or funding conditions change.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The sharp FY2026 revenue acceleration indicates stronger business activity across the bank’s lending, deposit, and service franchise. If maintained, this growth can expand the earnings base, support investment in customer relationships, and improve operating leverage over the next several quarters.
Read all positive factors
Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥279.72B
Dividend Yield2.32%
Average Volume (3M)313.73K
Price to Earnings (P/E)16.2
Beta (1Y)1.47
Revenue Growth19.41%
EPS Growth60.52%
CountryJP
Employees1,837
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)150.56
Shares Outstanding126,427,860
10 Day Avg. Volume353,340
30 Day Avg. Volume313,726
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)0.75
Price to Sales (P/S)2.30
P/FCF Ratio93.28
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
Keiyo Bank, Ltd. Business Overview & Revenue Model
Company Description
Keiyo Bank, Ltd. is a Japanese financial institution that delivers a broad spectrum of banking solutions and services. The bank manages customer deposits and provides various credit facilities, including residential mortgages, general consumer fin...
How the Company Makes Money
Keiyo Bank, Ltd. makes money primarily through (1) net interest income and (2) non-interest (fee) income, with additional contribution from (3) gains/losses and income on securities and other treasury activities.
1) Net interest income (core earn...
Keiyo Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 122.28B | 105.60B | 76.15B | 66.88B | 61.49B | 63.65B |
| Gross Profit | 105.92B | 90.95B | 70.97B | 65.67B | 62.99B | 60.02B |
| EBITDA | 25.66B | 28.80B | 22.24B | 18.91B | 18.63B | 19.80B |
| Net Income | 18.12B | 15.91B | 12.76B | 10.88B | 10.39B | 11.19B |
Balance Sheet | ||||||
| Total Assets | 6.76T | 6.65T | 6.56T | 6.55T | 6.58T | 6.90T |
| Cash, Cash Equivalents and Short-Term Investments | 1.01T | 874.63B | 917.71B | 1.05T | 1.23T | 1.72T |
| Total Debt | 590.80B | 661.15B | 685.98B | 737.66B | 495.90B | 2.73T |
| Total Liabilities | 6.43T | 6.32T | 6.25T | 6.22T | 6.28T | 6.61T |
| Stockholders Equity | 324.92B | 323.99B | 303.98B | 322.75B | 290.54B | 290.77B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.60B | 29.78B | 1.84B | -517.96B | 1.33T |
| Operating Cash Flow | 0.00 | 5.15B | 32.08B | -181.72B | -510.17B | 1.33T |
| Investing Cash Flow | 0.00 | -263.07B | -232.97B | -1.38B | 26.68B | -118.57B |
| Financing Cash Flow | 0.00 | 209.60B | 72.00B | -4.35B | -3.72B | -4.27B |
Keiyo Bank, Ltd. Technical Analysis
Negative
1733.00
Price Trends
2760.90
Negative
2656.32
Negative
2352.78
Positive
Market Momentum
-104.78
Positive
34.04
Neutral
19.82
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8544, the sentiment is Negative. The current price of 1733 is below the 20-day moving average (MA) of 2743.15, below the 50-day MA of 2760.90, and below the 200-day MA of 2352.78, indicating a neutral trend. The MACD of -104.78 indicates Positive momentum. The RSI at 34.04 is Neutral, neither overbought nor oversold. The STOCH value of 19.82 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8544.
Keiyo Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥303.74B | 14.55 | ― | 5.92% | 39.26% | 34.23% | |
69 Neutral | ¥303.91B | 12.90 | 9.31% | 6.68% | 19.56% | 13.61% | |
69 Neutral | ¥299.86B | 14.90 | ― | 2.56% | 22.23% | 45.07% | |
66 Neutral | ¥279.72B | 16.21 | ― | 2.66% | 19.41% | 60.52% | |
62 Neutral | ¥245.10B | 17.07 | ― | 2.68% | 34.41% | 28.29% | |
57 Neutral | ¥283.70B | 15.04 | ― | 3.18% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8544
Keiyo Bank, Ltd.
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Keiyo Bank, Ltd. Corporate Events
Keiyo Bank to Fully Integrate Card and Guarantee Subsidiaries
Sep 30, 2026
Keiyo Bank, Ltd. has resolved to acquire additional shares in two consolidated subsidiaries, Keiyo Bank Card Co., Ltd. and Keiyo Bank Guarantee Service Co., Ltd., in order to convert them into wholly owned units. The decision reflects the bankR...
Keiyo Bank Nears Limit of Share Buyback Program With Latest Repurchases
Aug 7, 2026
Keiyo Bank has completed a share buyback authorized under its Articles of Incorporation, acquiring 403,900 common shares on the Tokyo Stock Exchange between August 1 and August 6, 2026, at a total cost of about 1.08 billion yen. This transaction f...
Keiyo Bank Advances Share Buyback, Repurchasing 3.86 Million Shares by July 2026
Aug 3, 2026
Keiyo Bank, Ltd. has been executing a share repurchase program authorized by its board of directors to acquire up to 6.5 million common shares and spend as much as ¥11 billion between February 10, 2026 and January 29, 2027. The purchases are ...
Keiyo Bank Delivers Strong Q1 Earnings and Signals Higher Dividends
Jul 31, 2026
Keiyo Bank reported a sharp jump in earnings for the three months ended June 30, 2026, with ordinary income up 74.2 percent year on year to ¥39.9 billion and profit attributable to owners of parent rising 53.6 percent to ¥6.3 billion. Ba...
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.