Daito Bank, Ltd. AI Stock Analysis
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Daito Bank, Ltd. (8563) AI Stock Analysis
Daito Bank, Ltd.
(TSE/TYO:8563)
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.
Daito Bank, Ltd. (8563) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 14.22B
- Dividend Yield
- 3.54%
- Average Volume (3M)
- 63.90K
- Price to Earnings (P/E)
- 8.4
- Beta (1Y)
- 0.94
- Revenue Growth
- 18.72%
- EPS Growth
- 19.57%
- Country
- Japan
- Employees
- 413
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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 provid...
How the Company Makes Money
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Daito Bank, Ltd. Financial Statement Overview
Summary
Income statement is solid (Score 72) with a strong 2026 revenue rebound (~23% YoY) and steady net margins (~10–11%). Balance sheet improved (Score 68) with leverage de-risking and ROE rising to ~5.8%, but historical leverage volatility remains a concern. Cash flow is the main drag (Score 55) due to large negative OCF/FCF in 2022–2023 and inconsistent conversion despite positive 2025–2026 figures.
Income Statement
72PositiveBalance Sheet
68PositiveCash Flow
55Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.81B | 15.22B | 11.72B | 11.85B | 11.56B | 11.61B |
| Gross Profit | 13.56B | 13.53B | 11.14B | 11.82B | 11.52B | 11.54B |
| EBITDA | 2.09B | 2.99B | 2.60B | 2.31B | 2.40B | 2.30B |
| Net Income | 1.68B | 1.68B | 1.33B | 1.25B | 1.28B | 1.20B |
Balance Sheet | ||||||
| Total Assets | 870.98B | 870.98B | 851.06B | 876.89B | 895.00B | 970.15B |
| Cash, Cash Equivalents and Short-Term Investments | 34.32B | 34.32B | 35.32B | 72.28B | 72.49B | 135.22B |
| Total Debt | 100.00M | 100.00M | 4.50B | 40.22B | 50.65B | 114.29B |
| Total Liabilities | 840.95B | 840.95B | 818.35B | 838.38B | 858.23B | 930.51B |
| Stockholders Equity | 29.14B | 29.14B | 31.84B | 37.64B | 35.91B | 38.77B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 4.84B | 5.38B | 0 | -93.42B | -34.14B |
| Operating Cash Flow | 0 | 5.22B | 5.57B | 0 | -92.83B | -33.87B |
| Investing Cash Flow | 0 | -28.04B | -18.74B | 9.42B | 31.35B | 4.58B |
| Financing Cash Flow | 0 | 21.89B | -23.73B | -6.89B | -384.00M | -378.00M |
Daito 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:8563, the sentiment is Positive. The current price of 1129.00 is below the 20-day moving average (MA) of 1166.90, below the 50-day MA of 1193.68, and above the 200-day MA of 1055.16, indicating a neutral trend. The MACD of -33.36 indicates Positive momentum. The RSI at 45.04 is Neutral, neither overbought nor oversold. The STOCH value of 48.76 is Neutral, 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
Overall Rating
JP:834979Outperform
JP:838378Outperform- JP:856373Outperform
JP:836573Outperform
JP:856266Neutral
JP:841648Neutral
Financial Indicators
| 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 | 78Outperform | JPY 15.68B | 8.53 | ― | 2.91% | 22.16% | 44.08% |
| JP:8563 | 73Outperform | 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:8562 | 66Neutral | JPY 11.37B | 12.47 | ― | 1.47% | 20.99% | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8416 | 48Neutral | JPY 9.41B | 61.27 | ― | 2.65% | 16.28% | 56.59% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8563 | Daito Bank, Ltd. | 1129.00 | 373.35 | 49.41% | |
| JP:8349 | Tohoku Bank, Ltd. | 1418.00 | 101.33 | 7.70% | |
| JP:8365 | Bank of Toyama Ltd. | 1909.00 | 165.76 | 9.51% | |
| JP:8383 | TOTTORI BANK, LTD. | 1716.00 | 388.52 | 29.27% | |
| JP:8416 | Bank of Kochi, Ltd. | 944.00 | 116.80 | 14.12% | |
| JP:8562 | Fukushima Bank, Ltd. | 340.00 | 108.19 | 46.67% |
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