Gunma Bank Ltd (JP:8334)
:8334
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Gunma Bank
(8334)
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Rating:66Neutral
Price Target:
¥2,396.00
▲(32.27% 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
Revenue and net income growth
Sustained multi-year revenue and net income expansion, including 13.95% revenue growth in 2026, indicates the bank’s core lending and fee franchises have strengthened. This provides a durable earnings base to support lending capacity, investment in services, and resilience to moderate headwinds.
Negative Factors
Elevated leverage
A leverage profile at roughly 2x increases sensitivity to interest rate moves and credit shocks, constraining capital flexibility. For a regional bank, meaningful leverage limits room for large loan losses or aggressive expansion and raises the importance of conservative funding and capital management.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and net income growth
Sustained multi-year revenue and net income expansion, including 13.95% revenue growth in 2026, indicates the bank’s core lending and fee franchises have strengthened. This provides a durable earnings base to support lending capacity, investment in services, and resilience to moderate headwinds.
Read all positive factors
Gunma Bank (8334) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥877.28B
Dividend Yield3.14%
Average Volume (3M)1.14M
Price to Earnings (P/E)13.3
Beta (1Y)1.15
Revenue Growth22.63%
EPS Growth36.09%
CountryJP
Employees2,983
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)121.98
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
¥2,650.00Price Target Upside46.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)168.79
Revenue Forecast (FY)¥138.00B
Gunma Bank Business Overview & Revenue Model
Company Description
The Gunma Bank, Ltd. provides various banking and financial products and services in Japan. The company engages in the fund management activities, including investment in securities and funding in the call market; and accepting deposits and negoti...
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 | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 223.45B | 254.61B | 215.99B | 196.41B | 174.53B | 143.96B |
| Gross Profit | 171.93B | 192.15B | 163.25B | 155.87B | 158.00B | 134.59B |
| EBITDA | 65.36B | 90.33B | 67.70B | 49.17B | 45.47B | 46.65B |
| Net Income | 46.80B | 58.86B | 43.90B | 31.13B | 27.93B | 26.44B |
Balance Sheet | ||||||
| Total Assets | 10.63T | 10.86T | 10.56T | 10.82T | 10.66T | 11.15T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.37T | 1.28T | 1.84T | 1.83T | 2.65T |
| Total Debt | 1.18T | 1.36T | 1.10T | 1.65T | 1.02T | 4.17T |
| Total Liabilities | 10.05T | 10.24T | 9.99T | 10.25T | 10.15T | 10.62T |
| Stockholders Equity | 579.50B | 619.32B | 562.94B | 573.09B | 515.81B | 529.25B |
Cash Flow | ||||||
| Free Cash Flow | -603.17B | 71.20B | -603.17B | 22.76B | -661.97B | 453.61B |
| Operating Cash Flow | -597.11B | 76.58B | -597.11B | 27.10B | -656.17B | 459.59B |
| Investing Cash Flow | 54.96B | -123.21B | 54.96B | 411.00B | -153.32B | -127.81B |
| Financing Cash Flow | -32.30B | 123.12B | -32.30B | -13.53B | -8.07B | -9.28B |
Gunma Bank Technical Analysis
Positive
1811.50
Price Trends
2175.39
Positive
2067.05
Positive
1808.35
Positive
Market Momentum
40.35
Negative
59.01
Neutral
68.76
Neutral
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 2192.63, below the 50-day MA of 2175.39, and above the 200-day MA of 1808.35, indicating a bullish trend. The MACD of 40.35 indicates Negative momentum. The RSI at 59.01 is Neutral, neither overbought nor oversold. The STOCH value of 68.76 is Neutral, 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 | ¥1.07T | 13.65 | 6.30% | 2.87% | 21.54% | 39.13% | |
71 Outperform | ¥637.12B | 11.79 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥1.21T | 13.40 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥581.88B | 11.64 | ― | 3.15% | 14.92% | 43.45% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥945.43B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
66 Neutral | ¥877.28B | 13.32 | 8.19% | 3.14% | 22.63% | 36.09% |
* Financial Sector Average
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Gunma Bank Corporate Events
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...
Gunma Bank and Daishi Hokuetsu to Form Major Regional Financial Group via Share Exchange
Mar 26, 2026
Gunma Bank and Daishi Hokuetsu Financial Group have agreed to a business integration via a share exchange, forming a new regional financial group that aims to rank among Japan’s top regional banks in both scale and management quality. The de...
Gunma Bank Rejects Media Speculation, Sets Date for Integration Decision with Daishi Hokuetsu
Mar 25, 2026
The Gunma Bank, Ltd. said recent media reports about a potential business integration with DAISHI HOKUETSU Financial Group, Inc. are not based on any announcement from the bank itself. The clarification seeks to temper market speculation and ensur...
Gunma Bank Revamps Top Leadership, Appoints Two New Deputy Presidents
Feb 25, 2026
The Gunma Bank has announced a planned reshuffle of its top management, appointing Senior Managing Directors Akihiro Goto and Takeo Uchibori as Deputy Presidents and Representative Directors following the expiration of current officers’ term...
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.