Musashino Bank, Ltd. (JP:8336)
:8336
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Musashino Bank, Ltd.
(8336)
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Rating:70Outperform
Price Target:
¥2,649.00
▼(-34.83% Downside)
Action:ReiteratedDate:02/10/26
The score is primarily supported by strong financial performance (solid revenue growth, improved profitability, and low leverage) and a reasonable valuation (moderate P/E with a 2.42% dividend). The main offset is technical risk: despite an uptrend, indicators are overbought (RSI 82, Stoch 97.6), which can raise near-term pullback risk.
Positive Factors
Revenue and Margin Strength
Musashino Bank has delivered durable top-line expansion alongside sustained operating margins. An 8.42% revenue increase with near-22% EBIT/EBITDA and a 18.9% net margin indicates core banking operations and fee activities are generating stable profitability, supporting longer-term earnings resilience and reinvestment capacity.
Negative Factors
Moderate Operating Cash Generation
Operating cash flow at only ~34% of net income signals that reported profits are not fully matched by cash receipts, which can constrain liquidity for lending, provisioning or dividends. Over time this weakens the bank's ability to self-fund growth and increases sensitivity to funding market conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Margin Strength
Musashino Bank has delivered durable top-line expansion alongside sustained operating margins. An 8.42% revenue increase with near-22% EBIT/EBITDA and a 18.9% net margin indicates core banking operations and fee activities are generating stable profitability, supporting longer-term earnings resilience and reinvestment capacity.
Read all positive factors
Musashino Bank, Ltd. (8336) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥240.57B
Dividend Yield3%
Average Volume (3M)90.86K
Price to Earnings (P/E)8.5
Beta (1Y)1.13
Revenue Growth10.56%
EPS Growth16.02%
CountryJP
Employees2,002
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)47.37
Shares Outstanding100,216,370
10 Day Avg. Volume110,180
30 Day Avg. Volume90,860
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)0.40
Price to Sales (P/S)1.37
P/FCF Ratio5.50
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
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 m...
How the Company Makes Money
Musashino Bank primarily earns revenue through traditional banking intermediation and related fee businesses. The main earnings driver is net interest income: the bank pays interest on customer deposits and other funding, then lends those funds to...
Musashino Bank, Ltd. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 73.29B | 78.55B | 68.99B | 70.42B | 57.27B | 59.01B |
| Gross Profit | 64.55B | 70.32B | 64.33B | 66.56B | 54.03B | 54.03B |
| EBITDA | 19.08B | 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 | 415.30B | 711.02B |
| 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
Positive
4065.00
Price Trends
2050.98
Positive
1824.15
Positive
1525.70
Positive
Market Momentum
92.05
Negative
70.30
Negative
87.65
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 above the 20-day moving average (MA) of 2146.47, above the 50-day MA of 2050.98, and above the 200-day MA of 1525.70, indicating a bullish trend. The MACD of 92.05 indicates Negative momentum. The RSI at 70.30 is Negative, neither overbought nor oversold. The STOCH value of 87.65 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥372.49B | 7.80 | ― | 1.95% | 19.69% | 50.61% | |
75 Outperform | ¥1.51T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
71 Outperform | ¥262.22B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
70 Outperform | ¥240.57B | 8.55 | ― | 3.00% | 10.56% | 16.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥128.14B | 9.42 | ― | 0.58% | 15.03% | 16.66% | |
59 Neutral | ¥264.74B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
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Musashino Bank, Ltd. Corporate Events
Musashino Bank Reports Initial Progress on ¥10 Billion Share Buyback
Apr 2, 2026
Musashino Bank has disclosed the progress of a share repurchase program authorized under Japan’s Companies Act, targeting its own common stock via open-market purchases on the Tokyo Stock Exchange. Between March 17 and March 31, 2026, the ba...
Musashino Bank to Shift Governance Structure to Audit and Supervisory Committee Model
Mar 16, 2026
Musashino Bank has resolved to shift its governance structure from a Company with Audit and Supervisory Board to a Company with Audit and Supervisory Committee, pending shareholder approval at its June 25, 2026 general meeting. The move is aimed a...
Musashino Bank Launches Shareholder Perks Tied to Stock Split and Regional Promotion
Mar 16, 2026
The Musashino Bank, Ltd. will introduce a new shareholder benefit plan in conjunction with its April 2026 stock split, aiming to increase the attractiveness of its shares and broaden its investor base. By offering complimentary products sourced fr...
Musashino Bank Launches ¥10 Billion Share Buyback to Boost Capital Efficiency
Mar 16, 2026
The Musashino Bank’s board has approved a share buyback program to enhance capital efficiency and bolster shareholder returns. The move underscores the bank’s use of flexible capital policies to manage its balance sheet while signaling...
Musashino Bank Launches Four-Year MCP 2/3 Plan to Bolster Saitama-Focused Growth
Mar 16, 2026
The Musashino Bank, Ltd. has unveiled a new four-year medium-term management plan, dubbed MCP 2/3, running from April 1, 2026 to March 31, 2030, as the second phase of its long-term Musashino mirai-Creation Plan for Saitama Prefecture. The strateg...
Musashino Bank Announces Health-Related Resignation of Representative Director
Feb 16, 2026
The Musashino Bank, Ltd. announced that Senior Managing Director and Representative Director Ken Otomo will resign from his roles on February 28, 2026, citing health reasons. The bank confirmed that, following his resignation, the number of direct...
Musashino Bank Maintains Stable Capital Adequacy at End of Third Quarter FY2025
Feb 10, 2026
The Musashino Bank reported a consolidated capital adequacy ratio of 13.59% as of December 31, 2025, under the domestic standard, essentially unchanged from 13.60% at the end of the previous quarter. Consolidated capital stood at ¥241.0 billi...
Musashino Bank Posts Strong Nine-Month Earnings and Confirms Higher Dividend Payout
Jan 30, 2026
The Musashino Bank reported strong consolidated results for the nine months ended 31 December 2025, with ordinary income rising 22.3% year on year to ¥75.9 billion, ordinary profit climbing 30.7% to ¥18.3 billion, and profit attributable...
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.