Musashino Bank, Ltd. (8336) AI Stock Analysis

• Market Cap: ¥106.89B
• Dividend Yield: 3.71%
• Average Volume (3M): 65.21K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 1.03
• Revenue Growth: -1.59%
• EPS Growth: 20.55%
• Country: JP
• Employees: 2,002
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 89.29
• Shares Outstanding: 33,405,457
• 10 Day Avg. Volume: 64,290
• 30 Day Avg. Volume: 65,210
• PEG Ratio: 0.33
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.33
• 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

• Rating: 70 Neutral
• 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. Business Overview & Revenue Model

Company Description

Musashino 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 Money

Musashino 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

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

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

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
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
73.78B	69.51B	72.61B	74.74B	66.10B	66.13B
	Gross Profit
71.23B	0.00	72.61B	74.74B	66.10B	66.13B
	EBIT
24.53B	15.52B	15.87B	11.81B	10.33B	10.08B
	EBITDA
13.55B	15.52B	15.87B	19.28B	16.51B	15.51B
	Net Income Common Stockholders
13.03B	13.15B	11.26B	10.87B	9.00B	8.02B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
196.75B	0.00	230.92B	484.39B	790.92B	739.97B
	Total Assets
5.44T	5.47T	5.40T	5.33T	5.49T	5.32T
	Total Debt
28.70B	76.45B	59.96B	133.58B	397.78B	349.94B
	Net Debt
-168.04B	76.45B	-230.92B	-350.81B	-393.14B	-390.03B
	Total Liabilities
5.17T	5.21T	5.13T	86.67B	5.24T	5.07T
	Stockholders Equity
273.08B	267.93B	274.10B	252.88B	250.52B	249.15B
Cash Flow		Free Cash Flow
0.00	19.62B	-33.09B	-227.94B	110.83B	417.07B
	Operating Cash Flow
0.00	20.54B	-29.68B	-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	43.88B	-3.24B	-2.66B	-2.69B

Musashino Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3230.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$920.74B	12.37	6.30%	2.91%	9.28%	20.48%
8377	71 Outperform	¥341.81B	8.95		1.77%	21.04%	20.47%
8354	70 Outperform	$758.15B	10.35	7.30%	3.55%	15.35%	-1.62%
8336	70 Neutral	¥106.89B	8.13		3.71%	-1.59%	20.55%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%