Want to see JP:8544 full AI Analyst Report?
Top Page
Keiyo Bank, Ltd.
(8544)
Select Model
Select Model
Rating:66Neutral
Price Target:
¥3,011.00
▲(73.74% 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
Strong Revenue Growth
The sharp acceleration in revenue indicates stronger earning activity across the bank’s core lending, deposit, and financial service operations. Sustained top-line expansion can improve operating leverage and strengthen earnings capacity over the coming quarters.
Negative Factors
Volatile Cash Generation
Large multi-year swings in operating cash flow reduce confidence in the consistency and quality of earnings conversion. Weak cash generation can constrain reinvestment, capital flexibility, and the bank’s ability to absorb unexpected funding or credit pressures.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
The sharp acceleration in revenue indicates stronger earning activity across the bank’s core lending, deposit, and financial service operations. Sustained top-line expansion can improve operating leverage and strengthen earnings capacity over the coming quarters.
Read all positive factors
Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥322.94B
Dividend Yield1.47%
Average Volume (3M)282.25K
Price to Earnings (P/E)18.9
Beta (1Y)1.35
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. Volume328,530
30 Day Avg. Volume282,250
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’s earnings are primarily generated through (1) net interest income and (2) fee and commission income, with additional contributions from securities-related income and other banking revenues.
1) Net interest income (core revenue): The b...
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
Positive
1733.00
Price Trends
2640.52
Positive
2484.11
Positive
2129.37
Positive
Market Momentum
24.02
Positive
55.76
Neutral
47.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8544, the sentiment is Positive. The current price of 1733 is below the 20-day moving average (MA) of 2702.00, below the 50-day MA of 2640.52, and below the 200-day MA of 2129.37, indicating a bullish trend. The MACD of 24.02 indicates Positive momentum. The RSI at 55.76 is Neutral, neither overbought nor oversold. The STOCH value of 47.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | ¥316.47B | 16.93 | ― | 3.46% | 12.74% | 38.29% | |
69 Neutral | ¥351.73B | 17.57 | ― | 2.55% | 22.23% | 45.07% | |
67 Neutral | ¥334.76B | 16.22 | ― | 2.27% | 39.26% | 34.23% | |
66 Neutral | ¥322.94B | 18.94 | ― | 2.13% | 19.41% | 60.52% | |
66 Neutral | ¥324.01B | 14.27 | 8.89% | 3.81% | 19.56% | 13.61% | |
62 Neutral | ¥284.67B | 19.75 | ― | 2.00% | 34.41% | 28.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8544
Keiyo Bank, Ltd.
2,852.00
1,669.97
141.28%
JP:8370
Kiyo Bank
5,100.00
2,290.13
81.50%
JP:7381
Hokkoku Financial Holdings,Inc.
1,273.00
673.51
112.35%
JP:8361
Ogaki Kyoritsu Bank, Ltd.
8,210.00
5,146.54
168.00%
JP:8367
Nanto Bank Ltd.
1,956.00
994.87
103.51%
JP:8386
Hyakujushi Bank, Ltd.
3,135.00
1,928.44
159.83%
Keiyo Bank, Ltd. Corporate Events
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...
Keiyo Bank Advances Share Buyback Program on Tokyo Stock Exchange
Jul 1, 2026
The Keiyo Bank, Ltd. has reported progress on its ongoing share buyback program, acquiring 1,005,600 common shares on the Tokyo Stock Exchange between June 1 and June 30, 2026, at a total cost of about 2.50 billion yen. These purchases form part o...
Keiyo Bank Details Progress of Share Buyback Program
Jun 1, 2026
The Keiyo Bank, Ltd. has disclosed the status of its ongoing share buyback program authorized under Japan’s Companies Act, targeting its common shares. The move reflects the bank’s continued efforts to optimize its capital structure an...
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.