Fukushima Bank, Ltd. (8562) AI Stock Analysis

1 Followers

Fukushima Bank, Ltd.

(TSE/TYO:8562)

Select Model

Rating:60.5Neutral

Price Target:JPY 358.00▲(6.87% Upside)

Action:reiterated

Date:08/17/26

Fukushima Bank receives a moderate overall score of 60.5. The primary driver is the improving financial performance, supported by a solid balance sheet, though historical earnings volatility remains a concern. Technical analysis indicates a strong price trend but signals overbought conditions, suggesting caution. Valuation is fair. Investors should monitor the sustainability of the recent recovery.

Positive Factors

Revenue RecoveryThe 2026 revenue rebound indicates renewed business activity after a weaker period and provides a stronger base for future earnings. If sustained across its regional customer relationships, this growth can improve operating leverage and support reinvestment in lending and financial services.

Negative Factors

Earnings VolatilityThe sharp shift from healthy profitability to a substantial loss and then back to profit makes earnings power difficult to forecast. This volatility can complicate capital planning, weaken confidence in recurring returns, and make future results more sensitive to changes in the bank’s operating environment.

Fukushima Bank, Ltd. (8562) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 11.72B
Dividend Yield: 1.47%
Average Volume (3M): 274.21K
Price to Earnings (P/E): 12.5
Beta (1Y): 1.18
Revenue Growth: 20.99%
EPS Growth: ―
Country: Japan
Employees: 460
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Fukushima Bank, Ltd. Business Overview & Revenue Model

Company Description

The Fukushima Bank, Ltd. delivers a comprehensive array of financial products and services to both private individuals and corporate entities throughout Japan. Its core banking activities include accepting fixed-term deposits. The institution's diver...

How the Company Makes Money

Fukushima Bank makes money primarily through (1) net interest income and (2) fee and commission income, with other smaller sources such as gains/losses on securities and other operating income. 1) Net interest income (core earnings driver): The bank...

Fukushima Bank, Ltd. Financial Statement Overview

Summary

Fukushima Bank's financial performance shows signs of recovery with revenue growth of 9.2% and a net profit margin of 5.8% in the latest year, alongside a strong balance sheet (debt-to-equity 0.31) and healthy operating cash flow. However, historical volatility in earnings and low return on equity (3.1%) indicate ongoing challenges, resulting in a moderate score.

Income Statement

46Neutral

Balance Sheet

60Neutral

Cash Flow

50Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	14.77B	12.72B	12.16B	12.06B	12.03B	11.96B
Gross Profit	11.92B	10.19B	11.62B	11.96B	11.93B	11.86B
EBITDA	1.04B	1.29B	-921.00M	1.72B	1.76B	1.43B
Net Income	934.00M	736.00M	-1.25B	866.00M	868.00M	826.00M
Balance Sheet
Total Assets	803.80B	794.05B	805.10B	828.95B	839.88B	842.25B
Cash, Cash Equivalents and Short-Term Investments	45.95B	32.45B	55.58B	79.11B	76.26B	90.61B
Total Debt	1.65B	7.37B	2.11B	2.13B	47.63B	35.59B
Total Liabilities	779.53B	770.11B	781.04B	803.87B	815.60B	814.89B
Stockholders Equity	24.11B	23.78B	23.91B	24.94B	24.13B	27.22B
Cash Flow
Free Cash Flow	0	12.91B	6.03B	0	-7.67B	12.79B
Operating Cash Flow	0	13.07B	7.31B	0	-7.43B	13.18B
Investing Cash Flow	0	-14.30B	-3.38B	1.49B	-6.45B	-14.22B
Financing Cash Flow	0	-22.71B	-20.80B	-140.00M	-140.00M	-1.00M

Fukushima Bank, Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price335.00

Price Trends

50DMA372.54Negative

100DMA360.94Negative

200DMA361.51Negative

Market Momentum

MACD-15.34Positive

RSI46.42Neutral

STOCH47.37Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8562, the sentiment is Negative. The current price of 335.00 is below the 20-day moving average (MA) of 341.35, below the 50-day MA of 372.54, and below the 200-day MA of 361.51, indicating a bearish trend. The MACD of -15.34 indicates Positive momentum. The RSI at 46.42 is Neutral, neither overbought nor oversold. The STOCH value of 47.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8562.

Fukushima Bank, Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:8562 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8349	79Outperform	JPY 13.37B	7.75	―	3.53%	18.00%	49.68%
JP:8383	79Outperform	JPY 15.68B	8.53	―	2.91%	22.16%	44.08%
JP:8563	79Outperform	JPY 14.08B	8.35	―	3.54%	18.72%	19.57%
JP:8365	73Outperform	JPY 10.30B	9.84	―	3.01%	2.75%	18.36%
JP:8542	72Outperform	JPY 19.55B	9.93	―	2.94%	8.68%	23.14%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8562	61Neutral	JPY 11.37B	12.47	―	1.47%	20.99%	―

* Financial Sector Average

Performance Comparison

JP:8562 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8562	Fukushima Bank, Ltd.	335.00	101.22	43.30%
JP:8349	Tohoku Bank, Ltd.	1401.00	104.66	8.07%
JP:8365	Bank of Toyama Ltd.	1884.00	135.88	7.77%
JP:8383	TOTTORI BANK, LTD.	1695.00	371.41	28.06%
JP:8542	Tomato Bank, Ltd.	1691.00	321.09	23.44%
JP:8563	Daito Bank, Ltd.	1110.00	351.45	46.33%

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

Fukushima Bank, Ltd. AI Stock Analysis