Fukuoka Financial Group Inc (JP:8354)
:8354
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Fukuoka Financial Group
(8354)
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Rating:66Neutral
Price Target:
¥6,367.00
▲(1.05% Upside)
Action:ReiteratedDate:02/06/26
The score is driven primarily by moderate financial strength (good profitability/cash generation but pressured by high leverage and declining revenue). Technicals are strong but overbought, which adds short-term risk, while valuation appears reasonable with a modest dividend.
Positive Factors
Free cash flow generation
A strong free cash flow-to-net-income ratio shows the bank converts accounting profits into real cash, supporting durable dividend capacity, debt servicing and targeted reinvestment. Reliable FCF enhances financial flexibility and funds strategic initiatives without immediate external financing.
Negative Factors
High leverage
Elevated leverage and a low equity ratio reduce the capital cushion against credit losses and market stress. This constrains strategic flexibility, may necessitate stricter lending policies or capital raises in downturns, and increases regulatory and refinancing risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow generation
A strong free cash flow-to-net-income ratio shows the bank converts accounting profits into real cash, supporting durable dividend capacity, debt servicing and targeted reinvestment. Reliable FCF enhances financial flexibility and funds strategic initiatives without immediate external financing.
Read all positive factors
Fukuoka Financial Group (8354) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.21T
Dividend Yield3.06%
Average Volume (3M)733.88K
Price to Earnings (P/E)8.9
Beta (1Y)1.32
Revenue Growth12.77%
EPS Growth9.22%
CountryJP
Employees7,995
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)141.67
Shares Outstanding193,029,080
10 Day Avg. Volume807,660
30 Day Avg. Volume733,883
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)0.80
Price to Sales (P/S)1.66
P/FCF Ratio2.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥6,738.44Price Target Upside6.94% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)445.87
Revenue Forecast (FY)¥288.63B
Fukuoka Financial Group Business Overview & Revenue Model
Company Description
Fukuoka Financial Group, Inc., through its subsidiaries, provides various banking services to individual and corporate customers. The company accepts various deposits, such as current deposits, ordinary and other demand deposits, time deposits, an...
How the Company Makes Money
Fukuoka Financial Group primarily earns money through its banking and related financial services businesses. Key revenue streams include: (1) Net interest income: interest earned on loans (e.g., to individuals and small-to-medium enterprises) and ...
Fukuoka Financial Group Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 500.52B | 448.33B | 441.71B | 318.16B | 273.20B | 259.53B |
| Gross Profit | 336.13B | 312.43B | 311.35B | 267.65B | 260.07B | 245.75B |
| EBITDA | 115.81B | 117.31B | 90.11B | 57.20B | 87.44B | 71.60B |
| Net Income | 81.75B | 72.14B | 61.18B | 31.15B | 54.12B | 44.65B |
Balance Sheet | ||||||
| Total Assets | 34.01T | 32.26T | 32.65T | 29.92T | 29.17T | 27.51T |
| Cash, Cash Equivalents and Short-Term Investments | 7.25T | 7.16T | 8.45T | 7.71T | 7.85T | 6.09T |
| Total Debt | 10.22T | 9.08T | 9.57T | 7.07T | 5.37T | 8.58T |
| Total Liabilities | 32.95T | 31.33T | 31.63T | 29.02T | 28.23T | 26.55T |
| Stockholders Equity | 1.05T | 929.18B | 1.02T | 900.41B | 940.93B | 958.79B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 249.94B | -69.00B | 112.19B | 84.42B | 111.71B |
| Operating Cash Flow | 0.00 | 256.24B | -58.69B | 115.72B | 88.91B | 115.88B |
| Investing Cash Flow | 0.00 | -1.17T | -1.23T | -988.70B | 58.98B | -923.51B |
| Financing Cash Flow | 0.00 | -375.25B | 1.96T | 740.86B | 1.62T | 2.34T |
Fukuoka Financial Group Technical Analysis
Positive
6301.00
Price Trends
6232.00
Negative
5569.85
Positive
4876.08
Positive
Market Momentum
-55.26
Positive
50.46
Neutral
72.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8354, the sentiment is Positive. The current price of 6301 is above the 20-day moving average (MA) of 6171.95, above the 50-day MA of 6232.00, and above the 200-day MA of 4876.08, indicating a neutral trend. The MACD of -55.26 indicates Positive momentum. The RSI at 50.46 is Neutral, neither overbought nor oversold. The STOCH value of 72.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8354.
Fukuoka Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥1.43T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
75 Outperform | ¥1.31T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.21T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
66 Neutral | ¥524.72B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% | |
64 Neutral | ¥1.10T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
62 Neutral | ¥1.54T | 14.17 | ― | 3.04% | 9.16% | 29.12% |
* Financial Sector Average
JP:8354
Fukuoka Financial Group
6,301.00
2,263.21
56.05%
JP:8331
Chiba Bank
2,082.50
655.17
45.90%
JP:7180
Kyushu Financial Group
1,195.50
435.07
57.21%
JP:5831
Shizuoka Financial Group, Inc.
2,824.00
1,195.51
73.41%
JP:5844
Kyoto Financial Group,Inc.
4,477.00
2,132.74
90.98%
JP:7167
Mebuki Financial Group, Inc.
1,263.50
527.03
71.56%
Fukuoka Financial Group Corporate Events
Fukuoka Financial Group Overhauls Board and Governance Structure for 2026
Mar 17, 2026
Fukuoka Financial Group has announced a slate of changes to its board of directors and executive officers across the holding company and key banking subsidiaries, effective April 1, 2026. The reshuffle underscores ongoing efforts to refresh govern...
Fukuoka Financial Group Revamps Shareholder Perks, Drops Cashless Rewards
Mar 10, 2026
Fukuoka Financial Group will partially revise its shareholder benefit program, maintaining eligibility requirements but reshaping the menu of perks offered to long-term investors. The move reflects a review of how shareholders use existing options...
Fukuoka Financial Group Maintains Solid Capital Buffers as Asset Base Grows
Feb 10, 2026
Fukuoka Financial Group reported a consolidated total capital ratio of 12.28% as of Dec. 31, 2025, slightly higher than three months earlier, with total capital and risk‑weighted assets both increasing, indicating a stable capital base again...
Fukuoka Financial Group Releases Q3 FY2025 Capital Structure Disclosure
Feb 10, 2026
Fukuoka Financial Group has disclosed its consolidated capital structure information for the third quarter of the fiscal year ending March 31, 2026, in accordance with Financial Services Agency Notification No. 7 of 2014. The disclosure details le...
Fukuoka Financial Group Lifts Q3 Earnings, Reaffirms FY2025 Dividend Plan
Feb 4, 2026
The group reported third-quarter FY2025 ordinary income of ¥401.9 billion, ordinary profit of ¥100.0 billion, and net attributable income of ¥70.3 billion, reflecting double-digit growth in top-line metrics even as net income slowed...
Fukuoka Financial Group Hikes Profit Guidance and Dividend for FY2025
Feb 4, 2026
Fukuoka Financial Group lifted its FY2025 ordinary profit target to ¥124 billion and net income to ¥85 billion on stronger core banking performance, marking roughly 6% growth over prior guidance and building on last year’s profit b...
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.