Hachijuni Bank Ltd (JP:8359)
:8359
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Hachijuni Bank
(8359)
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Rating:76Outperform
Price Target:
¥2,698.00
▲(50.10% Upside)
Action:Reiterated
Date:05/16/26
The score is driven primarily by improving fundamentals (strong revenue and net income momentum and a strengthening equity base), supported by bullish technicals with the stock trading well above major moving averages. Valuation is also favorable with a low P/E and a modest dividend yield, while leverage and cash-flow volatility remain key watchpoints.
Positive Factors
Multi-year revenue and profit rebound
Hachijuni has delivered a sustained multi-year rebound in core earnings, with revenue and net income accelerating through 2026. This trend indicates rising loan demand, stronger fee activity or securities income and supports a structurally healthier earnings base over the medium term.
Negative Factors
Elevated and rising leverage
Leverage remains a material constraint: debt rose again in 2026 after prior improvement, and historical debt-to-equity was elevated. Persistent leverage increases financial sensitivity to interest costs and funding strains, limiting strategic flexibility and raising capital risk in adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and profit rebound
Hachijuni has delivered a sustained multi-year rebound in core earnings, with revenue and net income accelerating through 2026. This trend indicates rising loan demand, stronger fee activity or securities income and supports a structurally healthier earnings base over the medium term.
Read all positive factors
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.05T
Dividend Yield2.87%
Average Volume (3M)1.12M
Price to Earnings (P/E)16.4
Beta (1Y)1.16
Revenue Growth21.54%
EPS Growth39.13%
CountryJP
Employees4,140
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)141.32
Shares Outstanding493,767,430
10 Day Avg. Volume1,136,670
30 Day Avg. Volume1,121,530
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.76
Price to Sales (P/S)2.98
P/FCF Ratio1.92
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)160.51
Revenue Forecast (FY)¥341.40B
Hachijuni Bank Business Overview & Revenue Model
Company Description
The Hachijuni Bank, Ltd. provides various banking products and services to individual customers, corporations, and sole proprietors. It offers foreign currency, structured, time, property, public, payment, relay, savings, and fixed deposits; housi...
How the Company Makes Money
Hachijuni Bank makes money mainly through (1) interest income and (2) fee-based income, supplemented by (3) gains/losses on securities and other financial operations.
1) Net interest income (core earnings driver)
- The bank collects interest on l...
Hachijuni Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 295.77B | 242.53B | 214.44B | 187.40B | 140.75B |
| Gross Profit | 241.57B | 196.70B | 176.30B | 165.06B | 134.65B |
| EBITDA | 85.96B | 71.05B | 56.79B | 40.29B | 43.62B |
| Net Income | 64.57B | 47.98B | 37.07B | 24.14B | 26.67B |
Balance Sheet | |||||
| Total Assets | 13.55T | 13.52T | 14.83T | 12.96T | 13.34T |
| Cash, Cash Equivalents and Short-Term Investments | 2.91T | 3.03T | 3.72T | 3.60T | 4.05T |
| Total Debt | 2.27T | 2.18T | 3.29T | 3.05T | 3.59T |
| Total Liabilities | 12.40T | 12.55T | 13.71T | 12.05T | 12.43T |
| Stockholders Equity | 1.15T | 963.51B | 1.11T | 913.12B | 909.20B |
Cash Flow | |||||
| Free Cash Flow | 458.09B | 95.73B | -36.03B | 6.61B | 12.55B |
| Operating Cash Flow | 469.91B | 105.25B | -27.48B | 13.97B | 20.78B |
| Investing Cash Flow | 13.99B | 129.06B | -327.81B | -13.10B | -352.81B |
| Financing Cash Flow | -719.32B | -915.67B | 456.42B | -446.08B | 1.63T |
Hachijuni Bank Technical Analysis
Positive
1797.50
Price Trends
2122.00
Positive
2007.89
Positive
1743.48
Positive
Market Momentum
59.36
Positive
55.19
Neutral
50.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8359, the sentiment is Positive. The current price of 1797.5 is below the 20-day moving average (MA) of 2267.40, below the 50-day MA of 2122.00, and above the 200-day MA of 1743.48, indicating a bullish trend. The MACD of 59.36 indicates Positive momentum. The RSI at 55.19 is Neutral, neither overbought nor oversold. The STOCH value of 50.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8359.
Hachijuni Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥1.05T | 16.36 | 6.30% | 2.87% | 21.54% | 39.13% | |
69 Neutral | ¥1.29T | 13.03 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.17T | 14.82 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.24T | 14.50 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥917.86B | 11.80 | ― | 2.10% | 8.96% | 42.70% | |
66 Neutral | ¥850.26B | 14.53 | 8.19% | 3.14% | 22.63% | 36.09% |
* Financial Sector Average
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Hachijuni Bank Corporate Events
Hachijuni Nagano Bank Moves to Broaden Representative Director Authority
May 15, 2026
Hachijuni Nagano Bank, Ltd. has approved a proposal to amend its Articles of Incorporation to give the board more flexibility in designating representative directors. The change would allow a small number of directors, not limited to executive dir...
Hachijuni Nagano Bank Launches ¥10 Billion Share Buyback to Boost Shareholder Returns
May 15, 2026
Hachijuni Nagano Bank’s board has approved a share buyback of up to 4.2 million common shares, representing 0.92% of its outstanding stock, for a maximum of 10 billion yen. The purchases, to be conducted on the market between May 18 and Dece...
Hachijuni Nagano Bank Plans Higher Year-End Dividend and Boosts Annual Payout
May 15, 2026
Hachijuni Nagano Bank has proposed a year-end dividend of ¥40 per share for the fiscal year ended March 31, 2026, matching its latest forecast and including an ordinary dividend of ¥35 and a ¥5 merger commemorative dividend. The tot...
Hachijuni Nagano Bank Posts Strong Ordinary Income Growth on Higher Interest and Bond Gains
May 15, 2026
Hachijuni Nagano Bank reported a significant rise in ordinary income for the fiscal year ended March 31, 2026, with consolidated ordinary income climbing 20.1% year on year to 305.4 billion yen and non-consolidated ordinary income jumping 26.9% to...
Hachijuni Nagano Bank Lifts Earnings, Capital and Dividends on Strong FY2026 Results
May 15, 2026
Hachijuni Nagano Bank reported strong consolidated results for the year ended March 31, 2026, with ordinary income up 20.1% to ¥305.4 billion and profit attributable to owners rising 34.5% to ¥64.6 billion, lifting ROE to 6.1%. Total ass...
Hachijuni Nagano Bank Moves to Broaden Representative Director Structure
May 15, 2026
Hachijuni Nagano Bank’s board has approved a proposal to partially amend its Articles of Incorporation, to be put to shareholders at the 143rd annual general meeting on June 26, 2026. The change targets Article 24 on representative directors...
Hachijuni Nagano Bank Launches ¥10 Billion Share Buyback Program
May 15, 2026
Hachijuni Nagano Bank, Ltd. has approved a new share buyback program, authorizing the acquisition of up to 4.2 million shares, or about 0.92% of its outstanding stock, for a maximum of ¥10 billion. The purchases will be conducted on the marke...
Hachijuni Nagano Bank Lifts Annual Dividend to ¥60 Per Share on Strong Earnings
May 15, 2026
Hachijuni Nagano Bank’s board has approved a year-end dividend of ¥40 per share for the fiscal year ended March 31, 2026, to be put to a shareholder vote at the June 26 annual meeting. The payout, which includes a ¥5 merger commemo...
Hachijuni Nagano Bank Boosts Earnings on Higher Loan Interest and Bond Gains
May 15, 2026
Hachijuni Nagano Bank reported a significant year-on-year rise in ordinary income for the fiscal year ended March 31, 2026, at both consolidated and non-consolidated levels. Consolidated ordinary income increased 20.1% to 305.4 billion yen, while ...
Hachijuni Nagano Bank Lifts Earnings, Capital and Dividends on Strong FY2026 Results
May 15, 2026
Hachijuni Nagano Bank reported strong earnings for the fiscal year ended March 31, 2026, with ordinary income up 20.1% to ¥305.4 billion and profit attributable to owners of parent rising 34.5% to ¥64.6 billion. Return on equity improved...
Hachijuni Nagano Bank Overhauls Top Leadership to Strengthen Governance
Apr 24, 2026
Hachijuni Nagano Bank has announced a broad reshuffle of its top management, with President Masaki Matsushita set to become chairman and executive chairman, while current vice president Shohei Hidai will be promoted to representative director and ...
Hachijuni Bank Finalizes Adjusted Treasury Stock Disposal for Employee Share Plan
Apr 1, 2026
The Hachijuni Bank has completed payment for a disposal of treasury stock used as a restricted stock incentive for its Group Employee Shareholding Association. The move is part of an incentive plan designed to promote employee share ownership, ali...
Hachijuni Nagano Bank Lifts FY2026 Profit Outlook and Boosts Dividend Payout
Mar 19, 2026
Hachijuni Nagano Bank has sharply raised its full-year earnings outlook for the fiscal year ending March 31, 2026, citing stronger-than-expected profit on interest and improved net gains on equity securities. The bank now forecasts consolidated or...
Hachijuni Nagano Bank Launches First Medium-term Plan to Become Comprehensive Consulting Firm
Feb 20, 2026
Hachijuni Nagano Bank has unveiled its first medium-term management plan, covering fiscal years 2026 to 2028 as the initial phase of its Long-term Vision 2035 to “build a prosperous future together with the region.” The plan centers on...
Hachijuni Nagano Bank Reports Slightly Higher Capital Ratios at Year-End 2025
Feb 18, 2026
Hachijuni Nagano Bank has disclosed its capital ratios as of December 31, 2025, showing a modest strengthening of its regulatory capital position on both a consolidated and non-consolidated basis. The bank reported a consolidated total capital rat...
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.