Musashino Bank, Ltd. (8336) AI Stock Analysis

• Market Cap: ¥131.71B
• Dividend Yield: 3.14%
• Average Volume (3M): 90.77K
• Price to Earnings (P/E): 9.7
• Beta (1Y): 1.05
• Revenue Growth: 5.74%
• EPS Growth: 10.39%
• Country: JP
• Employees: 2,002
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 126.12
• Shares Outstanding: 33,405,457
• 10 Day Avg. Volume: 101,710
• 30 Day Avg. Volume: 90,773
• 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: ¥4,381.00
• Price Target Upside: 10.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: ¥4,381.00 ▲(10.08% Upside)

Musashino Bank's strong financial performance, characterized by robust revenue growth and profitability, is the primary driver of its high score. The technical analysis supports a bullish outlook with positive momentum indicators. The attractive valuation further enhances the stock's appeal, making it a compelling investment opportunity in the regional banking sector.

Musashino Bank, Ltd. Business Overview & Revenue Model

Company Description

Musashino Bank, Ltd. (8336) is a regional bank based in Japan, primarily serving the Tokyo and Saitama prefectures. The bank provides a wide range of financial services including retail banking, corporate banking, and asset management. Its core products encompass personal loans, mortgages, deposits, investment services, and foreign exchange services, catering to both individual and business customers.

How the Company Makes Money

Musashino Bank generates revenue primarily through interest income from loans and advances to customers, which typically represents the largest portion of its earnings. This includes personal loans, mortgages, and corporate lending. Additionally, the bank earns fees and commissions from various financial services such as asset management, investment advisory, and transaction services. Other revenue streams include income from foreign exchange operations and investment securities. The bank may also benefit from partnerships with local businesses and financial institutions, enhancing its service offerings and customer base, which can lead to increased deposits and lending activities.

Musashino Bank, Ltd. Financial Statement Overview

Summary

Musashino Bank exhibits strong revenue growth and profitability, supported by 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	75.25B	77.86B	67.15B	64.90B
Gross Profit	76.38B	74.70B	75.25B	77.14B	66.10B	64.90B
EBITDA	18.09B	22.06B	20.16B	19.28B	16.51B	13.18B
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: 3980.00
• 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 3980 is above the 20-day moving average (MA) of 3950.18, above the 50-day MA of 3843.17, and above the 200-day MA of 3291.14, indicating a neutral trend. The MACD of 34.62 indicates Positive momentum. The RSI at 52.10 is Neutral, neither overbought nor oversold. The STOCH value of 46.89 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
8336	78 Outperform	¥131.71B	9.74	―	3.14%	5.74%	10.39%
8544	76 Outperform	¥152.06B	13.41	―	2.72%	6.37%	-11.55%
8361	74 Outperform	¥147.14B	9.37	―	2.81%	-7.59%	76.05%
8386	71 Outperform	¥141.18B	10.20	―	2.99%	-6.76%	34.71%
8388	70 Outperform	¥138.05B	11.13	―	2.71%	3.78%	1.63%
7381	69 Neutral	¥145.16B	12.78	―	2.49%	-4.66%	144.51%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%