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Gunma Bank
(8334)
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Rating:66Neutral
Price Target:
¥2,692.00
▲(48.61% Upside)
Action:Downgraded
Date:05/12/26
The score is primarily driven by improving profitability and growth, partially offset by elevated leverage and historically volatile cash flows. Technicals show an uptrend but mixed momentum signals, while valuation appears reasonable with a moderate P/E and a ~2.8% dividend yield.
Positive Factors
Profitability & revenue growth
Sustained revenue and net income expansion with improving margins indicates stronger core banking performance and better pricing or mix. These trends support durable earnings power driven by lending and fee income, improving ability to absorb shocks and reinvest in franchise growth.
Negative Factors
Elevated leverage
A meaningful leverage profile raises sensitivity to interest-rate swings and credit stress, constraining flexibility to absorb losses without eroding capital ratios. For a regional bank, sustained higher debt-to-equity increases funding and regulatory risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & revenue growth
Sustained revenue and net income expansion with improving margins indicates stronger core banking performance and better pricing or mix. These trends support durable earnings power driven by lending and fee income, improving ability to absorb shocks and reinvest in franchise growth.
Read all positive factors
Gunma Bank (8334) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥948.64B
Dividend Yield3.14%
Average Volume (3M)1.14M
Price to Earnings (P/E)16.1
Beta (1Y)1.06
Revenue Growth22.63%
EPS Growth36.09%
CountryJP
Employees2,983
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)155.14
Shares Outstanding395,888,180
10 Day Avg. Volume961,470
30 Day Avg. Volume1,136,676
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.27
Price to Sales (P/S)3.08
P/FCF Ratio11.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,800.00Price Target Upside54.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)173.79
Revenue Forecast (FY)¥138.00B
Gunma Bank Business Overview & Revenue Model
Company Description
Gunma Bank, Ltd. is a Japanese financial institution that delivers a diverse array of banking and financial solutions across the nation. Its operations encompass fund management activities, such as investing in various securities and sourcing capi...
How the Company Makes Money
Gunma Bank makes money mainly through (1) interest income and (2) fee and commission income, supplemented by other financial/operating income.
1) Net interest income (core earnings driver)
- Lending interest: The bank earns interest on loans exte...
Gunma Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 254.61B | 215.99B | 196.41B | 174.53B | 143.96B |
| Gross Profit | 192.15B | 163.25B | 155.87B | 158.00B | 134.59B |
| EBITDA | 90.33B | 67.70B | 49.17B | 45.47B | 46.65B |
| Net Income | 58.86B | 43.90B | 31.13B | 27.93B | 26.44B |
Balance Sheet | |||||
| Total Assets | 10.86T | 10.56T | 10.82T | 10.66T | 11.15T |
| Cash, Cash Equivalents and Short-Term Investments | 1.37T | 1.28T | 1.84T | 1.83T | 2.65T |
| Total Debt | 1.36T | 1.10T | 1.65T | 1.02T | 4.17T |
| Total Liabilities | 10.24T | 9.99T | 10.25T | 10.15T | 10.62T |
| Stockholders Equity | 619.32B | 562.94B | 573.09B | 515.81B | 529.25B |
Cash Flow | |||||
| Free Cash Flow | 71.20B | -603.17B | 22.76B | -661.97B | 453.61B |
| Operating Cash Flow | 76.58B | -597.11B | 27.10B | -656.17B | 459.59B |
| Investing Cash Flow | -123.21B | 54.96B | 411.00B | -153.32B | -127.81B |
| Financing Cash Flow | 123.12B | -32.30B | -13.53B | -8.07B | -9.28B |
Gunma Bank Technical Analysis
Positive
1811.50
Price Trends
2297.06
Positive
2219.23
Positive
1958.92
Positive
Market Momentum
56.36
Negative
66.95
Neutral
81.66
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8334, the sentiment is Positive. The current price of 1811.5 is below the 20-day moving average (MA) of 2375.58, below the 50-day MA of 2297.06, and below the 200-day MA of 1958.92, indicating a bullish trend. The MACD of 56.36 indicates Negative momentum. The RSI at 66.95 is Neutral, neither overbought nor oversold. The STOCH value of 81.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8334.
Gunma Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥1.17T | 18.05 | 6.30% | 2.87% | 21.54% | 39.15% | |
71 Outperform | ¥668.90B | 15.08 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥1.34T | 17.28 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥617.92B | 13.99 | ― | 3.15% | 14.92% | 43.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥987.55B | 12.84 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥948.64B | 16.07 | 8.19% | 3.14% | 22.63% | 36.09% |
* Financial Sector Average
JP:8334
Gunma Bank
2,492.50
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102.08%
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Gunma Bank Corporate Events
Gunma Bank to Dispose of Treasury Stock for Executive Share-Based Pay
Jun 23, 2026
The Gunma Bank has approved the disposal of treasury stock to fund restricted share and performance-linked stock remuneration for its directors and executive officers, issuing a total of 47,267 common shares at ¥2,335 per share. The program i...
Gunma Bank Delivers Record Profit and Higher ROE on Strong Interest Income
May 11, 2026
Gunma Bank reported consolidated core business net profit, excluding gains and losses on cancellation of investment trusts, of ¥71.1 billion for the year ended March 31, 2026, a ¥15.6 billion year-on-year increase driven mainly by higher...
Gunma Bank Lifts Profit, Capital and Dividends on Strong FY2025 Results
May 11, 2026
Gunma Bank reported solid consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising to ¥264.9 billion and profit attributable to owners of parent climbing to ¥84.8 billion, boosting return on equity to 10...
Gunma Bank Lifts Earnings Outlook to Record High and Hikes Dividend
Apr 28, 2026
Gunma Bank has revised its earnings projections for the fiscal year ended March 31, 2026, raising both consolidated and non-consolidated forecasts to record highs. The upgrade reflects steady growth in core net business profit, driven mainly by hi...
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.