Keiyo Bank, Ltd. AI Stock Analysis
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Keiyo Bank, Ltd. (8544) AI Stock Analysis
Keiyo Bank, Ltd.
(TSE/TYO:8544)
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.
Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 272.51B
- Dividend Yield
- 2.37%
- Average Volume (3M)
- 380.18K
- Price to Earnings (P/E)
- 16.2
- Beta (1Y)
- 1.51
- 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
Income statement strength (Score 78) is offset by balance-sheet leverage (Score 60) and especially weak/volatile cash generation (Cash Flow Score 44). FY2026 showed strong revenue acceleration and solid profitability, but operating cash flow dropped sharply and multi-year cash-flow swings reduce confidence in earnings quality.
Income Statement
78PositiveBalance Sheet
60NeutralCash Flow
44Neutral| 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 | 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
Price Trends
Market Momentum
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 2363.00 is below the 20-day moving average (MA) of 2450.10, below the 50-day MA of 2691.23, and below the 200-day MA of 2391.16, indicating a bearish trend. The MACD of -121.66 indicates Positive momentum. The RSI at 41.86 is Neutral, neither overbought nor oversold. The STOCH value of 36.18 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
JP:838682.5Outperform
JP:836179Outperform- JP:854466Neutral
JP:837064Neutral
JP:836754Neutral
JP:738152Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8386 | 83Outperform | JPY 307.84B | 14.00 | ― | 2.69% | 21.78% | 44.50% |
| JP:8361 | 79Outperform | JPY 303.74B | 15.20 | ― | 6.05% | 39.26% | 34.23% |
| JP:8544 | 66Neutral | JPY 263.15B | 16.19 | ― | 2.37% | 24.49% | 29.78% |
| JP:8370 | 64Neutral | JPY 296.36B | 11.28 | 10.51% | 6.84% | 21.89% | 36.89% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8367 | 54Neutral | JPY 286.34B | 13.27 | ― | 3.12% | 19.76% | 44.98% |
| JP:7381 | 52Neutral | JPY 250.98B | 13.79 | ― | 2.36% | 49.48% | 75.57% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8544 | Keiyo Bank, Ltd. | 2363.00 | 986.84 | 71.71% | |
| JP:8370 | Kiyo Bank | 1536.00 | 564.74 | 58.14% | |
| JP:7381 | Hokkoku Financial Holdings,Inc. | 1146.00 | 506.80 | 79.29% | |
| JP:8361 | Ogaki Kyoritsu Bank, Ltd. | 1554.00 | 815.72 | 110.49% | |
| JP:8367 | Nanto Bank Ltd. | 1797.00 | 775.71 | 75.95% | |
| JP:8386 | Hyakujushi Bank, Ltd. | 2847.00 | 1401.46 | 96.95% |
Keiyo Bank, Ltd. Corporate Events
Keiyo Bank Reports Higher Ordinary Income for Six Months Ended September 30, 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
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
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...
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