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Daito Bank, Ltd.
(8563)
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Rating:73Outperform
Price Target:
¥1,221.00
▲(29.07% Upside)
Action:Upgraded
Date:08/17/26
The score is driven by strong technical trend confirmation (price above all major DMAs with positive MACD) and favorable valuation (low P/E with a ~3.65% dividend). Financial performance is improving, led by the 2026 revenue rebound and a cleaner balance sheet, but is tempered by historically volatile cash flow that reduces confidence in earnings quality.
Positive Factors
Revenue rebound
A durable 23% revenue rebound in 2026 signals renewed core lending and fee activity after flat years, improving top-line momentum. Sustained revenue growth supports scale economics, underwriting capacity and funding of branch/SME initiatives, strengthening medium-term franchise resilience.
Negative Factors
Historic cash‑flow volatility
Large negative cash flows in 2022–2023 and a zero-year in 2024 show pronounced volatility in cash conversion. Such swings weaken confidence in earnings quality, complicate capital planning and elevate the risk that dividends, lending growth or contingency buffers may be unsustainable in stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound
A durable 23% revenue rebound in 2026 signals renewed core lending and fee activity after flat years, improving top-line momentum. Sustained revenue growth supports scale economics, underwriting capacity and funding of branch/SME initiatives, strengthening medium-term franchise resilience.
Read all positive factors
Daito Bank, Ltd. (8563) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥14.60B
Dividend Yield3.47%
Average Volume (3M)24.48K
Price to Earnings (P/E)8.6
Beta (1Y)0.83
Revenue Growth18.72%
EPS Growth19.57%
CountryJP
Employees413
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)132.63
Shares Outstanding12,701,462
10 Day Avg. Volume30,860
30 Day Avg. Volume24,476
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.42
Price to Sales (P/S)0.80
P/FCF Ratio2.53
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
Daito Bank, Ltd. Business Overview & Revenue Model
Company Description
The Daito Bank, Ltd. delivers a comprehensive suite of banking products and services to individual consumers and corporate entities throughout Japan. Its offerings include accepting fixed-term, savings, and foreign currency deposits, alongside pro...
How the Company Makes Money
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Daito Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
68
Positive
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 15.22B | 11.72B | 11.85B | 11.56B | 11.61B |
| Gross Profit | 13.53B | 11.14B | 11.82B | 11.52B | 11.54B |
| EBITDA | 2.99B | 2.60B | 2.31B | 2.40B | 2.30B |
| Net Income | 1.68B | 1.33B | 1.25B | 1.28B | 1.20B |
Balance Sheet | |||||
| Total Assets | 870.98B | 851.06B | 876.89B | 895.00B | 970.15B |
| Cash, Cash Equivalents and Short-Term Investments | 34.32B | 35.32B | 72.28B | 72.49B | 135.22B |
| Total Debt | 100.00M | 4.50B | 40.22B | 50.65B | 114.29B |
| Total Liabilities | 840.95B | 818.35B | 838.38B | 858.23B | 930.51B |
| Stockholders Equity | 29.14B | 31.84B | 37.64B | 35.91B | 38.77B |
Cash Flow | |||||
| Free Cash Flow | 4.84B | 5.38B | 0.00 | -93.42B | -34.14B |
| Operating Cash Flow | 5.22B | 5.57B | 0.00 | -92.83B | -33.87B |
| Investing Cash Flow | -28.04B | -18.74B | 9.42B | 31.35B | 4.58B |
| Financing Cash Flow | 21.89B | -23.73B | -6.89B | -384.00M | -378.00M |
Daito Bank, Ltd. Technical Analysis
Positive
946.00
Price Trends
1028.32
Positive
1005.92
Positive
961.27
Positive
Market Momentum
33.40
Negative
72.15
Negative
82.64
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8563, the sentiment is Positive. The current price of 946 is below the 20-day moving average (MA) of 1086.10, below the 50-day MA of 1028.32, and below the 200-day MA of 961.27, indicating a bullish trend. The MACD of 33.40 indicates Negative momentum. The RSI at 72.15 is Negative, neither overbought nor oversold. The STOCH value of 82.64 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8563.
Daito Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥14.60B | 8.61 | ― | 3.74% | 18.72% | 19.57% | |
71 Outperform | ¥15.71B | 9.08 | ― | 3.58% | 18.00% | 49.68% | |
69 Neutral | ¥12.83B | 12.36 | ― | 2.68% | 24.30% | -0.84% | |
66 Neutral | ¥18.40B | 9.89 | ― | 3.30% | 22.16% | 44.08% | |
59 Neutral | ¥13.15B | 14.07 | ― | 1.89% | 20.99% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | ¥12.03B | -38.86 | ― | 2.74% | 20.60% | -182.73% |
* General Sector Average
JP:8563
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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.