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Musashino Bank, Ltd. (JP:8336)
:8336
Japanese Market

Musashino Bank, Ltd. (8336) AI Stock Analysis

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JP

Musashino Bank, Ltd.

(8336)

Rating:70Neutral
Price Target:
Musashino Bank, Ltd.'s stock score reflects strong profitability and an attractive valuation, offset by concerns over revenue growth decline and liquidity management. The technical indicators provide mixed signals, with a neutral RSI and bearish MACD. Overall, while the stock seems undervalued with a solid dividend yield, careful attention to cash flow and operational growth is necessary.

Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)

Musashino Bank, Ltd. Business Overview & Revenue Model

Company DescriptionMusashino Bank, Ltd. (8336) is a regional bank headquartered in Saitama, Japan. Established in 1952, the bank primarily serves the Saitama Prefecture, providing a wide range of financial services including personal and corporate banking, loans, deposits, and investment services. Musashino Bank focuses on delivering comprehensive financial solutions to both individual and business clients, with a strong emphasis on community-based banking and local economic development.
How the Company Makes MoneyMusashino Bank, Ltd. generates revenue primarily through interest income from loans and advances, which is the difference between the interest earned on loans and the interest paid on deposits. The bank also earns fees and commissions from various financial services such as account management, transaction services, foreign exchange transactions, and investment product sales. Additionally, Musashino Bank invests in securities and earns income from its investment portfolio. The bank's earnings are further supported by partnerships with other financial institutions and businesses that enhance its service offerings and customer reach. Its focus on local community development and support for small and medium-sized enterprises also contribute to its stable revenue streams.

Musashino Bank, Ltd. Financial Statement Overview

Summary
Musashino Bank, Ltd. shows robust profitability with strong margins and a solid balance sheet characterized by low leverage. However, the recent decline in revenue growth and lack of positive free cash flow in the TTM period are areas of concern, especially regarding growth sustainability and liquidity management.
Income Statement
75
Positive
Musashino Bank, Ltd. shows a healthy financial position with a gross profit margin of 96.68% and a net profit margin of 18.35% in the TTM (Trailing-Twelve-Months). The revenue growth rate from the previous year to the TTM period is -2.23%, indicating a slight decline. However, the EBIT margin of 41.98% and EBITDA margin of 8.26% reflect strong operating efficiency. The bank's profitability is solid, but the recent dip in revenue growth could be a concern.
Balance Sheet
70
Positive
The bank has a low debt-to-equity ratio of 0.11 in the TTM period, suggesting conservative leverage. The return on equity is 4.77%, which shows moderate profitability. The equity ratio stands at 5.02%, indicating a stable capital structure. While the bank maintains a strong balance sheet with low leverage, the modest ROE suggests potential areas for improvement in profitability.
Cash Flow
55
Neutral
Musashino Bank, Ltd.'s cash flow statement presents challenges, as the operating cash flow and free cash flow are both zero in the TTM period. Previously, free cash flow growth has been inconsistent, with significant negative figures in some years. The absence of positive free cash flow in the TTM period presents a risk to liquidity and operational funding.
Breakdown
TTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income StatementTotal Revenue
73.78B69.51B72.61B74.74B66.10B66.13B
Gross Profit
71.23B0.0072.61B74.74B66.10B66.13B
EBIT
24.53B15.52B15.87B11.81B10.33B10.08B
EBITDA
13.55B15.52B15.87B19.28B16.51B15.51B
Net Income Common Stockholders
13.03B13.15B11.26B10.87B9.00B8.02B
Balance SheetCash, Cash Equivalents and Short-Term Investments
196.75B0.00230.92B484.39B790.92B739.97B
Total Assets
5.44T5.47T5.40T5.33T5.49T5.32T
Total Debt
28.70B76.45B59.96B133.58B397.78B349.94B
Net Debt
-168.04B76.45B-230.92B-350.81B-393.14B-390.03B
Total Liabilities
5.17T5.21T5.13T86.67B5.24T5.07T
Stockholders Equity
273.08B267.93B274.10B252.88B250.52B249.15B
Cash FlowFree Cash Flow
0.0019.62B-33.09B-227.94B110.83B417.07B
Operating Cash Flow
0.0020.54B-29.68B-225.62B124.33B425.70B
Investing Cash Flow
0.00-158.54B-219.48B-77.62B-70.81B-57.73B
Financing Cash Flow
0.0068.31B43.88B-3.24B-2.66B-2.69B

Musashino Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3230.00
Price Trends
50DMA
3077.04
Positive
100DMA
3093.49
Positive
200DMA
2941.25
Positive
Market Momentum
MACD
41.66
Positive
RSI
53.24
Neutral
STOCH
37.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8336, the sentiment is Positive. The current price of 3230 is above the 20-day moving average (MA) of 3217.00, above the 50-day MA of 3077.04, and above the 200-day MA of 2941.25, indicating a bullish trend. The MACD of 41.66 indicates Positive momentum. The RSI at 53.24 is Neutral, neither overbought nor oversold. The STOCH value of 37.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8336.

Musashino Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$920.74B12.376.30%2.91%9.28%20.48%
71
Outperform
¥341.81B8.95
1.77%21.04%20.47%
70
Outperform
$758.15B10.357.30%3.55%15.35%-1.62%
70
Neutral
¥106.89B8.13
3.71%-1.59%20.55%
64
Neutral
$12.85B9.817.79%78.20%12.23%-7.93%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8336
Musashino Bank, Ltd.
3,225.00
178.29
5.85%
JP:8377
Hokuhoku Financial Group, Inc.
2,765.00
751.47
37.32%
JP:8354
Fukuoka Financial Group
3,918.00
-171.14
-4.19%
JP:8331
Chiba Bank
1,286.00
-56.04
-4.18%
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.