Keiyo Bank, Ltd. (8544) AI Stock Analysis

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Keiyo Bank, Ltd.

(TSE/TYO:8544)

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Rating:72Outperform

Price Target:JPY 2,592.00▲(10.91% Upside)

Action:reiterated

Date:08/17/26

Keiyo Bank scores 72, reflecting solid financial performance driven by strong revenue growth and profitability, coupled with a bullish technical trend. Valuation appears fair, balancing the positive outlook. Risks include inconsistent cash flow and moderate leverage.

Positive Factors

Strong revenue and earnings growthThe sharp FY2026 revenue increase and higher net income indicate stronger operating momentum and expanding earnings capacity. If growth is supported by the bank’s core lending and service activities, it can improve internal capital generation and support business investment over the next several quarters.

Negative Factors

Volatile operating cash generationThe steep decline in operating cash flow and prior negative years show that reported earnings have not translated consistently into cash. Unstable cash conversion can constrain internally funded growth, reduce flexibility during stress, and make future earnings quality less predictable.

Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 271.35B
Dividend Yield: 2.40%
Average Volume (3M): 375.49K
Price to Earnings (P/E): 16.0
Beta (1Y): 1.49
Revenue Growth: 24.49%
EPS Growth: 29.78%
Country: Japan
Employees: 1,837
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 financ...

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 earnings...

Keiyo Bank, Ltd. Financial Statement Overview

Summary

Strong revenue growth and profitability are offset by inconsistent cash flow and moderate leverage. The blended assessment of income statement (85), balance sheet (65), and cash flow (50) yields a fair overall financial position.

Income Statement

85Very Positive

Balance Sheet

65Positive

Cash Flow

50Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	123.04B	105.60B	76.15B	66.88B	61.49B	63.65B
Gross Profit	103.17B	90.95B	70.97B	65.67B	62.99B	60.02B
EBITDA	24.56B	28.80B	22.24B	18.91B	18.63B	19.80B
Net Income	17.35B	15.91B	12.76B	10.88B	10.39B	11.19B
Balance Sheet
Total Assets	6.69T	6.65T	6.56T	6.55T	6.58T	6.90T
Cash, Cash Equivalents and Short-Term Investments	812.31B	874.63B	917.71B	1.05T	1.23T	1.72T
Total Debt	546.51B	661.15B	685.98B	737.66B	495.90B	2.73T
Total Liabilities	6.36T	6.32T	6.25T	6.22T	6.28T	6.61T
Stockholders Equity	317.71B	323.99B	303.98B	322.75B	290.54B	290.77B
Cash Flow
Free Cash Flow	0	2.60B	29.78B	1.84B	-517.96B	1.33T
Operating Cash Flow	0	5.15B	32.08B	-181.72B	-510.17B	1.33T
Investing Cash Flow	0	-263.07B	-232.97B	-1.38B	26.68B	-118.57B
Financing Cash Flow	0	209.60B	72.00B	-4.35B	-3.72B	-4.27B

Keiyo Bank, Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price2337.00

Price Trends

50DMA2673.13Negative

100DMA2646.31Negative

200DMA2396.37Negative

Market Momentum

MACD-110.26Negative

RSI40.71Neutral

STOCH54.68Neutral

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 2337.00 is below the 20-day moving average (MA) of 2421.35, below the 50-day MA of 2673.13, and below the 200-day MA of 2396.37, indicating a bearish trend. The MACD of -110.26 indicates Negative momentum. The RSI at 40.71 is Neutral, neither overbought nor oversold. The STOCH value of 54.68 is Neutral, 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8544 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8386	83Outperform	JPY 323.12B	14.07	―	2.68%	21.78%	44.50%
JP:8370	81Outperform	JPY 302.12B	11.31	10.51%	6.88%	21.89%	36.89%
JP:8361	79Outperform	JPY 313.43B	15.01	―	6.18%	36.04%	27.52%
JP:8544	72Outperform	JPY 270.56B	16.03	―	2.40%	24.49%	29.78%
JP:7381	56Neutral	JPY 254.60B	13.65	―	2.42%	49.48%	75.57%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
JP:8367	54Neutral	JPY 294.08B	13.26	―	3.14%	19.76%	44.98%

* General Sector Average

Performance Comparison

JP:8544 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8544	Keiyo Bank, Ltd.	2337.00	964.75	70.30%
JP:8370	Kiyo Bank	1527.00	572.81	60.03%
JP:7381	Hokkoku Financial Holdings,Inc.	1117.00	500.28	81.12%
JP:8361	Ogaki Kyoritsu Bank, Ltd.	1520.00	784.65	106.70%
JP:8367	Nanto Bank Ltd.	1782.00	762.65	74.82%
JP:8386	Hyakujushi Bank, Ltd.	2854.00	1435.28	101.17%

Keiyo Bank, Ltd. Corporate Events

Keiyo Bank Reports Higher Ordinary Income for Six Months Ended September 30, 2026

Nov 10, 2026

The Keiyo Bank, Ltd. is a bank listed on the Tokyo Stock Exchange Prime Market under securities code 8544.For the six months ended September 30, 2026, consolidated ordinary income rose to ¥68,438 million from ¥49,657 million a year earlier, an increa...

Keiyo Bank Reports Higher First-Half Income and Profit

Nov 10, 2026

The Keiyo Bank, Ltd., a Tokyo Stock Exchange-listed bank, reported consolidated results for the six months ended September 30, 2026. Ordinary income increased 37.8% year over year to ¥68,438 million, ordinary profit rose 17.2% to ¥15,499 million, and...

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 bank’s inte...

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.

Date of analysis: Aug 17, 2026

Keiyo Bank, Ltd. AI Stock Analysis