Fukuoka Financial Group Inc (JP:8354)
:8354
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Fukuoka Financial Group
(8354)
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Rating:68Neutral
Price Target:
¥7,142.00
▲(9.54% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily driven by improving income-statement performance, but is held back by elevated balance-sheet leverage and volatile cash-flow consistency. Technicals are supportive (price above key moving averages with positive MACD), and valuation is reasonable with a moderate P/E and a ~2.75% yield.
Positive Factors
Top-line Momentum
A ~23% revenue jump in 2026 indicates durable growth in lending, fees and treasury income across the franchise. Persistent top-line expansion strengthens internal capital generation, funds reinvestment in products and distribution, and supports earnings resilience over the next several months.
Negative Factors
High Balance‑sheet Leverage
Debt of ~9–10x equity materially reduces financial flexibility and increases sensitivity to funding cost rises or market stress. Elevated leverage limits capacity for opportunistic lending, raises refinancing risk, and constrains the bank's ability to expand capital‑intensive initiatives over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Top-line Momentum
A ~23% revenue jump in 2026 indicates durable growth in lending, fees and treasury income across the franchise. Persistent top-line expansion strengthens internal capital generation, funds reinvestment in products and distribution, and supports earnings resilience over the next several months.
Read all positive factors
Fukuoka Financial Group (8354) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.26T
Dividend Yield3.06%
Average Volume (3M)733.88K
Price to Earnings (P/E)14.5
Beta (1Y)1.34
Revenue Growth22.25%
EPS Growth18.47%
CountryJP
Employees7,995
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)452.00
Shares Outstanding193,029,080
10 Day Avg. Volume807,660
30 Day Avg. Volume733,883
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)1.03
Price to Sales (P/S)1.80
P/FCF Ratio61.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥6,380.00Price Target Upside-2.15% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)517.43
Revenue Forecast (FY)¥329.25B
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 operations. The largest earnings driver is typically net interest income: the group collects interest on loans (such as corporate loans, SME lending, mortgages, and other consumer l...
Fukuoka Financial Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
45
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 617.38B | 448.33B | 441.71B | 318.16B | 273.20B |
| Gross Profit | 420.38B | 312.43B | 311.35B | 267.65B | 260.07B |
| EBITDA | 133.74B | 117.31B | 90.11B | 57.20B | 87.44B |
| Net Income | 85.43B | 72.14B | 61.18B | 31.15B | 54.12B |
Balance Sheet | |||||
| Total Assets | 33.56T | 32.26T | 32.65T | 29.92T | 29.17T |
| Cash, Cash Equivalents and Short-Term Investments | 7.13T | 7.16T | 8.45T | 7.71T | 7.85T |
| Total Debt | 10.08T | 9.08T | 9.57T | 7.07T | 5.37T |
| Total Liabilities | 32.48T | 31.33T | 31.63T | 29.02T | 28.23T |
| Stockholders Equity | 1.08T | 929.18B | 1.02T | 900.41B | 940.93B |
Cash Flow | |||||
| Free Cash Flow | 18.03B | 249.94B | -69.00B | 112.19B | 84.42B |
| Operating Cash Flow | 28.65B | 256.24B | -58.69B | 115.72B | 88.91B |
| Investing Cash Flow | -1.11T | -1.17T | -1.23T | -988.70B | 58.98B |
| Financing Cash Flow | 1.03T | -375.25B | 1.96T | 740.86B | 1.62T |
Fukuoka Financial Group Technical Analysis
Positive
6520.00
Price Trends
6382.50
Positive
6156.94
Positive
5291.01
Positive
Market Momentum
53.39
Positive
51.54
Neutral
23.30
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 6520 is below the 20-day moving average (MA) of 6572.85, above the 50-day MA of 6382.50, and above the 200-day MA of 5291.01, indicating a neutral trend. The MACD of 53.39 indicates Positive momentum. The RSI at 51.54 is Neutral, neither overbought nor oversold. The STOCH value of 23.30 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥1.59T | 17.27 | 7.38% | 2.62% | 22.66% | 28.39% | |
70 Outperform | ¥1.56T | 16.90 | ― | 3.04% | 15.67% | 22.94% | |
69 Neutral | ¥1.29T | 13.03 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.15T | 14.82 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.26T | 14.50 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥606.57B | 15.52 | 5.53% | 2.02% | 5.69% | 24.72% |
* Financial Sector Average
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Fukuoka Financial Group Corporate Events
Fukuoka Financial Group Discloses Capital Structure for Fiscal 2025
May 13, 2026
Fukuoka Financial Group has disclosed its consolidated capital structure information for fiscal year 2025, ended March 31, 2026, in line with Financial Services Agency regulatory requirements. The disclosure details the composition of core capital...
Fukuoka Financial Group Lifts Earnings, Capital and Dividends on Loan Growth
May 13, 2026
Fukuoka Financial Group reported steady growth for the fiscal year ended March 31, 2026, with total assets rising to ¥33.56 trillion and net assets increasing to ¥1.08 trillion, supported by loan growth to over ¥20.3 trillion and im...
Fukuoka Financial Group’s Ordinary Income Surges 36% on Stock Sale Gains
May 13, 2026
Fukuoka Financial Group reported a sharp year-on-year jump in consolidated ordinary income for the fiscal year ended March 31, 2026, with income rising 36.3% to ¥621.2 billion from ¥455.7 billion. The improvement underscores stronger ear...
Fukuoka Financial Group Publishes Capital Structure Data for FY2025
May 13, 2026
Fukuoka Financial Group, Inc., a regional banking group based in Fukuoka and listed on the TSE Prime Market and FSE, has disclosed capital structure information for the fiscal year ended March 31, 2026. The group operates in commercial and retail ...
Fukuoka Financial Group Lifts Earnings, Assets and Dividends in FY2025
May 13, 2026
Fukuoka Financial Group reported solid results for the fiscal year ended March 31, 2026, with total assets rising to ¥33.56 trillion and total net assets climbing to ¥1.08 trillion, driven by growth in loans and improved valuations in de...
Fukuoka Financial Group Boosts Ordinary Income by 36% on Stock Sale Gains
May 13, 2026
Fukuoka Financial Group reported a sharp year-on-year rise in consolidated ordinary income for the fiscal year ended March 31, 2026. The group’s ordinary income increased from ¥455.7 billion in the prior year to ¥621.2 billion, mar...
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...
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.