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Musashino Bank, Ltd.
(8336)
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Rating:72Outperform
Price Target:
¥3,004.00
▼(-26.10% Downside)
Action:Reiterated
Date:05/12/26
The score is driven primarily by improving financial performance and a significantly stronger leverage profile, tempered by notable cash-flow volatility. Technicals add support via a strong uptrend and positive momentum, while valuation is reasonable with a mid-teens P/E and a modest dividend yield.
Positive Factors
Revenue Growth & Margin Stability
Acceleration to ~27% revenue growth in 2026 alongside stable mid‑teen net margins indicates the franchise can scale earnings without margin erosion. Sustained top‑line momentum with margin stability supports durable net interest and fee income expansion and capacity to reinvest in the franchise over time.
Negative Factors
Volatile Cash Generation
Marked swings in operating and free cash flow indicate cash generation is inconsistent. That volatility can constrain internal funding for loans, dividends and technology/branch investment, and may force reliance on market funding or capital actions during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth & Margin Stability
Acceleration to ~27% revenue growth in 2026 alongside stable mid‑teen net margins indicates the franchise can scale earnings without margin erosion. Sustained top‑line momentum with margin stability supports durable net interest and fee income expansion and capacity to reinvest in the franchise over time.
Read all positive factors
Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥257.45B
Dividend Yield2.2%
Average Volume (3M)90.86K
Price to Earnings (P/E)16.0
Beta (1Y)1.08
Revenue Growth30.51%
EPS Growth18.50%
CountryJP
Employees2,043
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)161.38
Shares Outstanding100,216,370
10 Day Avg. Volume110,180
30 Day Avg. Volume90,860
Financial Highlights & Ratios
PEG Ratio0.77
Price to Book (P/B)0.74
Price to Sales (P/S)2.23
P/FCF Ratio5.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Musashino Bank, Ltd. Business Overview & Revenue Model
Company Description
The Musashino Bank, Ltd., operating with its subsidiaries, provides a comprehensive suite of banking and financial services throughout Japan. Its primary offerings encompass a variety of deposit products, loans, and loan guarantees, complemented b...
How the Company Makes Money
Musashino Bank makes money primarily through its banking intermediation and fee-based financial services. The largest driver is generally net interest income: the bank gathers funds via customer deposits and other funding sources, then earns inter...
Musashino Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.71B | 92.75B | 78.55B | 68.99B | 70.42B | 57.27B |
| Gross Profit | 85.42B | 75.57B | 70.32B | 64.33B | 66.56B | 54.03B |
| EBITDA | 25.58B | 26.87B | 22.06B | 20.16B | 19.28B | 16.51B |
| Net Income | 15.93B | 15.41B | 13.15B | 11.26B | 10.87B | 9.00B |
Balance Sheet | ||||||
| Total Assets | 5.62T | 5.65T | 5.47T | 5.40T | 5.33T | 5.49T |
| Cash, Cash Equivalents and Short-Term Investments | 163.31B | 218.96B | 161.49B | 230.92B | 484.39B | 790.92B |
| Total Debt | 83.44B | 105.87B | 76.45B | 70.92B | 133.58B | 415.30B |
| Total Liabilities | 5.34T | 5.37T | 5.21T | 5.13T | 5.07T | 5.24T |
| Stockholders Equity | 274.42B | 280.44B | 267.93B | 274.10B | 252.88B | 250.52B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 36.94B | 19.62B | 2.85B | -227.94B | 110.83B |
| Operating Cash Flow | 0.00 | 37.85B | 20.54B | 4.60B | -225.62B | 124.33B |
| Investing Cash Flow | 0.00 | -118.12B | -158.54B | -219.48B | -77.62B | -70.81B |
| Financing Cash Flow | 0.00 | 136.26B | 68.31B | 117.50B | -3.24B | -2.66B |
Musashino Bank, Ltd. Technical Analysis
Positive
4065.00
Price Trends
2550.12
Positive
2431.20
Positive
2046.29
Positive
Market Momentum
20.38
Positive
53.32
Neutral
54.72
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 4065 is above the 20-day moving average (MA) of 2645.85, above the 50-day MA of 2550.12, and above the 200-day MA of 2046.29, indicating a bullish trend. The MACD of 20.38 indicates Positive momentum. The RSI at 53.32 is Neutral, neither overbought nor oversold. The STOCH value of 54.72 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥257.45B | 15.97 | ― | 3.00% | 30.51% | 18.50% | |
70 Outperform | ¥1.80T | 19.64 | 7.67% | 1.89% | 22.65% | 28.42% | |
69 Neutral | ¥154.74B | 18.99 | ― | 0.58% | 24.02% | 15.27% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥491.86B | 9.95 | ― | 1.95% | 17.98% | 34.51% | |
66 Neutral | ¥324.48B | 17.14 | ― | 2.55% | 18.30% | 38.07% |
* Financial Sector Average
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Musashino Bank, Ltd. Corporate Events
Musashino Bank Details Progress of Share Buyback After Stock Split
Jul 2, 2026
Musashino Bank, Ltd., a regional Japanese lender listed on the TSE Prime, offers standard banking services such as deposit-taking and lending to individuals and businesses in its home market. The bank actively adjusts its equity base through actio...
Musashino Bank Details Progress of Post‑Split Share Buyback Program
Jun 5, 2026
Musashino Bank has disclosed the latest status of its ongoing share repurchase program, conducted under provisions of the Companies Act that allow the board to authorize buybacks via its articles of incorporation. Following a three-for-one stock s...
Musashino Bank Revamps Director Stock Compensation Ahead of Governance Shift
May 11, 2026
The Musashino Bank, Ltd. has resolved to partially revise its stock-based compensation system for directors, in line with its planned transition to a Company with Audit and Supervisory Committee structure. The updated plan, in place since 2016, ai...
Musashino Bank to Revamp Governance and Capital Policy with Articles Amendment
May 11, 2026
Musashino Bank’s board has approved a proposal to partially amend its Articles of Incorporation, to be put before shareholders at the 103rd Ordinary General Meeting on June 25, 2026. The key change is a transition to a company with an Audit ...
Musashino Bank lifts profits, boosts dividends ahead of share split
May 11, 2026
The Musashino Bank reported a strong fiscal year to March 31, 2026, with ordinary income rising 25.6% to ¥105.7 billion and ordinary profit up 25.9% to ¥22.8 billion, while profit attributable to owners of the parent climbed 17.2% to ...
Musashino Bank Reports Progress on Post-Split Share Buyback Program
May 8, 2026
Musashino Bank has disclosed the latest progress of its share repurchase program, conducted under provisions of Japan’s Companies Act and following a three-for-one stock split effective April 1, 2026. Between April 1 and April 30, the bank b...
Musashino Bank Lifts FY2026 Earnings and Dividend Forecasts on Stronger Interest Income
Apr 30, 2026
The Musashino Bank raised its full-year earnings forecasts for the fiscal year ended March 31, 2026, citing stronger-than-expected non-consolidated performance driven mainly by higher net interest income. Consolidated ordinary income is now projec...
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.