Musashino Bank, Ltd. (8336) AI Stock Analysis

• Market Cap: ¥169.77B
• Dividend Yield: 3%
• Average Volume (3M): 90.86K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 1.05
• Revenue Growth: 10.56%
• EPS Growth: 16.02%
• Country: JP
• Employees: 2,002
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 119.03
• Shares Outstanding: 33,405,457
• 10 Day Avg. Volume: 110,180
• 30 Day Avg. Volume: 90,860
• PEG Ratio: 0.48
• Price to Book (P/B): 0.40
• Price to Sales (P/S): 1.35
• P/FCF Ratio: 5.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥5,261.00 ▲(29.42% Upside)

Musashino Bank's strong financial performance and attractive valuation are the primary drivers of its stock score. The technical analysis suggests strong momentum, though overbought conditions may lead to short-term volatility. Overall, the bank is well-positioned for growth, with a solid financial foundation and appealing valuation metrics.

Positive Factors

Revenue Growth

The bank's robust revenue growth indicates successful business expansion and increased market penetration, supporting long-term growth prospects.

Profitability

Improved profitability through a higher net profit margin suggests effective cost management and operational efficiency, strengthening financial health.

Balance Sheet Health

A strong balance sheet with low leverage enhances financial stability and provides flexibility to invest in growth opportunities.

Negative Factors

Cash Flow Volatility

Volatile cash flows can impact the bank's ability to consistently fund operations and growth initiatives, posing a risk to financial stability.

Limited Equity Ratio Data

Lack of complete equity ratio data limits the ability to fully assess the bank's financial stability and risk profile, potentially obscuring vulnerabilities.

Moderate Cash Generation

Moderate cash generation relative to earnings may constrain the bank's ability to invest in growth and manage financial obligations effectively.

Musashino Bank, Ltd. Business Overview & Revenue Model

Company Description

Musashino Bank, Ltd. (8336) is a regional bank based in Japan that primarily serves the Tokyo metropolitan area and surrounding regions. The bank provides a wide range of financial services, including retail banking, corporate banking, and asset management. Its core products include savings accounts, loans, credit cards, and investment services tailored for both individual and business clients, focusing on fostering strong customer relationships and supporting local economic development.

How the Company Makes Money

Musashino Bank generates revenue primarily through interest income from loans issued to individuals and businesses, which constitutes a significant portion of its earnings. The bank also earns fees and commissions from various services, such as asset management, investment advisory, and transaction services. Additionally, it may engage in trading and investment activities that contribute to its income. The bank's partnerships with local businesses and its involvement in community development projects enhance its customer base and strengthen its revenue streams, while its focus on maintaining a strong capital base and managing operating costs helps to optimize profitability.

Musashino Bank, Ltd. Financial Statement Overview

Summary

Musashino Bank shows strong revenue growth and profitability with stable operational margins. The balance sheet is robust with low leverage, enhancing financial stability. Cash flow generation is improving, though historical volatility remains a concern.

Income Statement

Musashino Bank has demonstrated strong revenue growth with an 8.42% increase in the latest year, indicating robust business expansion. The net profit margin improved to 18.91%, showcasing enhanced profitability. Consistent EBIT and EBITDA margins around 22% reflect stable operational efficiency. However, the gross profit margin is not available, which limits a complete assessment of cost management.

Balance Sheet

The bank maintains a healthy debt-to-equity ratio of 0.29, indicating prudent leverage management. Return on equity improved to 4.91%, reflecting better utilization of shareholder funds. However, the equity ratio is not provided, which restricts a full evaluation of financial stability. The overall balance sheet shows a solid position with manageable debt levels.

Cash Flow

Musashino Bank's free cash flow growth is notably high, but this is due to a previous negative base, which skews the growth rate. The operating cash flow to net income ratio is 0.34, indicating moderate cash generation relative to earnings. The free cash flow to net income ratio of 0.96 suggests efficient cash conversion. However, past volatility in cash flows poses a potential risk.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	76.38B	79.98B	77.23B	77.86B	67.15B	67.40B
Gross Profit	76.38B	72.79B	72.61B	74.74B	66.10B	66.13B
EBITDA	18.09B	22.06B	20.16B	19.28B	16.51B	15.51B
Net Income	13.52B	13.15B	11.26B	10.87B	9.00B	8.02B
Balance Sheet
Total Assets	5.47T	5.47T	5.40T	5.33T	5.49T	5.32T
Cash, Cash Equivalents and Short-Term Investments	0.00	161.49B	230.92B	484.39B	790.92B	739.97B
Total Debt	76.45B	76.45B	70.92B	133.58B	397.78B	349.94B
Total Liabilities	5.20T	5.21T	5.13T	5.07T	5.24T	5.07T
Stockholders Equity	275.01B	267.93B	274.10B	252.88B	250.52B	249.15B
Cash Flow
Free Cash Flow	0.00	19.62B	2.85B	-227.94B	110.83B	417.07B
Operating Cash Flow	0.00	20.54B	4.60B	-225.62B	124.33B	425.70B
Investing Cash Flow	0.00	-158.54B	-219.48B	-77.62B	-70.81B	-57.73B
Financing Cash Flow	0.00	68.31B	117.50B	-3.24B	-2.66B	-2.69B

Musashino Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4065.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 below the 20-day moving average (MA) of 4852.00, below the 50-day MA of 4600.30, and above the 200-day MA of 3724.44, indicating a bullish trend. The MACD of 140.15 indicates Negative momentum. The RSI at 78.10 is Negative, neither overbought nor oversold. The STOCH value of 89.54 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8388	77 Outperform	¥178.77B	12.78	―	2.53%	7.67%	11.03%
8544	75 Outperform	¥200.81B	15.43	―	2.13%	7.77%	5.80%
8336	72 Outperform	¥169.77B	11.93	―	3.00%	10.56%	16.02%
8361	72 Outperform	¥217.28B	11.99	―	2.27%	2.68%	74.80%
8386	71 Outperform	¥197.71B	12.50	―	2.55%	-0.36%	41.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7381	64 Neutral	¥203.50B	19.32	―	2.38%	8.43%	38.21%

Musashino Bank, Ltd. Corporate Events

Musashino Bank Issues Corrections to Financial Results

Musashino Bank, Ltd. announced corrections to its previously released consolidated financial results for the six months ended September 30, 2025, due to inaccuracies found in the reported data. These corrections, which pertain to non-performing loans and other financial metrics, are crucial for maintaining transparency and accuracy in financial reporting, impacting the bank’s stakeholders and its market positioning.

The most recent analyst rating on (JP:8336) stock is a Buy with a Yen4381.00 price target. To see the full list of analyst forecasts on Musashino Bank, Ltd. stock, see the JP:8336 Stock Forecast page.

Musashino Bank Announces Share Split and Articles Amendment

Musashino Bank, Ltd. announced a share split and amendments to its Articles of Incorporation to enhance investment accessibility and shareholder growth. The share split will occur at a 3-for-1 ratio, increasing the total issued shares significantly, with changes effective from April 1, 2026. This move is expected to broaden the investor base and improve stock liquidity, potentially impacting the company’s market positioning positively.

The most recent analyst rating on (JP:8336) stock is a Buy with a Yen4381.00 price target. To see the full list of analyst forecasts on Musashino Bank, Ltd. stock, see the JP:8336 Stock Forecast page.

Musashino Bank Increases Dividends and Revises Shareholder Return Policy

Musashino Bank has announced an increase in its interim and year-end dividends for the fiscal year ending March 31, 2026, reflecting a comprehensive assessment of recent business trends and shareholder support. The bank has also revised its shareholder return policy to enhance returns, targeting a dividend payout ratio of approximately 40% and planning flexible treasury share repurchases to align with regional growth and market trends.

The most recent analyst rating on (JP:8336) stock is a Buy with a Yen4381.00 price target. To see the full list of analyst forecasts on Musashino Bank, Ltd. stock, see the JP:8336 Stock Forecast page.

Musashino Bank Revises Earnings Forecast Upward for Fiscal Year 2026

Musashino Bank, Ltd. has revised its full-year earnings forecast for the fiscal year ending March 2026, citing better-than-expected second-quarter earnings driven by increased net interest income and gains on stock sales. The bank anticipates higher ordinary income and profit, reflecting a positive business environment and performance trends, which may enhance its market positioning and stakeholder confidence.

The most recent analyst rating on (JP:8336) stock is a Buy with a Yen4381.00 price target. To see the full list of analyst forecasts on Musashino Bank, Ltd. stock, see the JP:8336 Stock Forecast page.

Musashino Bank Reports Strong Financial Performance for H1 2025

Musashino Bank, Ltd. reported a strong financial performance for the six months ending September 30, 2025, with a notable increase in ordinary income and profit compared to the previous year. The bank’s comprehensive income surged significantly, indicating robust operational efficiency and financial health, which could positively impact its stakeholders and market positioning.

The most recent analyst rating on (JP:8336) stock is a Buy with a Yen4381.00 price target. To see the full list of analyst forecasts on Musashino Bank, Ltd. stock, see the JP:8336 Stock Forecast page.