Daito Bank, Ltd. AI Stock Analysis
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Daito Bank, Ltd. (8563) AI Stock Analysis
Daito Bank, Ltd.
(TSE/TYO:8563)
The overall score reflects a combination of strong, de-risked financials, supportive technical momentum, and an attractive valuation. The biggest driver is the conservative balance sheet and steadily improving earnings, which indicate financial stability without the high returns seen in top-tier banks. Technical trends are clearly positive, with the price above key moving averages and robust momentum, though RSI near overbought levels suggests gains may moderate. The low P/E and solid dividend yield further support the investment case, making the stock appear reasonably attractive but not without some constraints from modest profitability and historically volatile cash flows.
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
Financial performance is solid and improving: revenue grew about 23% in the latest year, net income has trended upward over five years, and net margins around 10–11% indicate healthy profitability. The balance sheet is a clear strength, with debt-to-equity reduced from nearly 3x to near zero, lowering risk and supporting better returns on equity. Cash flow broadly aligns with earnings and is currently positive, but historical volatility in operating and free cash flow reduces predictability, keeping the overall score below top-tier levels.
Income Statement
76PositiveBalance Sheet
82Very PositiveCash Flow
61Positive| 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:856379Outperform
JP:838378Outperform
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:8563 | 79Outperform | JPY 14.08B | 8.35 | ― | 3.54% | 18.72% | 19.57% |
| JP:8383 | 78Outperform | JPY 15.68B | 8.53 | ― | 2.91% | 22.16% | 44.08% |
| 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