Hachijuni Bank Ltd (JP:8359)
:8359
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Hachijuni Bank
(8359)
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Rating:70Outperform
Price Target:
¥2,057.00
▲(14.44% Upside)
Action:ReiteratedDate:02/05/26
The score is primarily driven by solid financial performance (growth and operational stability) tempered by leverage and cash-flow volatility, alongside strong bullish technicals that are currently overbought. Valuation appears broadly fair with a modest dividend yield.
Positive Factors
Revenue Growth Trend
Sustained revenue expansion over several years reflects durable loan demand and successful fee-income growth. A rising top line enhances the bank's ability to absorb credit shocks, fund branch and product investments, and maintain profitability across economic cycles in its regional markets.
Negative Factors
Rising Leverage
An increasing debt-to-equity trend raises structural financial risk: it narrows cushions against adverse shocks, can elevate funding and interest costs, and may constrain future lending or dividend policies if capital ratios come under regulatory or market pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained revenue expansion over several years reflects durable loan demand and successful fee-income growth. A rising top line enhances the bank's ability to absorb credit shocks, fund branch and product investments, and maintain profitability across economic cycles in its regional markets.
Read all positive factors
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥956.28B
Dividend Yield2.87%
Average Volume (3M)1.12M
Price to Earnings (P/E)10.7
Beta (1Y)1.11
Revenue Growth14.57%
EPS Growth100.81%
CountryJP
Employees4,140
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)39.36
Shares Outstanding493,767,430
10 Day Avg. Volume1,136,670
30 Day Avg. Volume1,121,530
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)0.52
Price to Sales (P/S)2.06
P/FCF Ratio5.23
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)158.99
Revenue Forecast (FY)¥357.40B
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 primarily makes money through (1) net interest income and (2) fee and commission income, with additional contributions from securities and other financial activities.
1) Net interest income (core earnings driver)
- Lending: The ban...
Hachijuni Bank Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 275.26B | 242.53B | 214.44B | 187.40B | 140.75B | 147.56B |
| Gross Profit | 224.34B | 196.70B | 176.30B | 165.06B | 134.65B | 131.90B |
| EBITDA | 87.77B | 71.05B | 56.79B | 40.29B | 43.62B | 37.66B |
| Net Income | 63.88B | 47.98B | 37.07B | 24.14B | 26.67B | 22.38B |
Balance Sheet | ||||||
| Total Assets | 13.60T | 13.52T | 14.83T | 12.96T | 13.34T | 12.16T |
| Cash, Cash Equivalents and Short-Term Investments | 2.93T | 3.03T | 3.72T | 3.60T | 4.05T | 2.75T |
| Total Debt | 2.24T | 2.18T | 3.29T | 3.05T | 3.59T | 2.32T |
| Total Liabilities | 12.53T | 12.55T | 13.71T | 12.05T | 12.43T | 11.25T |
| Stockholders Equity | 1.06T | 963.51B | 1.11T | 913.12B | 909.20B | 906.29B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 95.73B | -36.03B | 6.61B | 12.55B | 47.42B |
| Operating Cash Flow | 0.00 | 105.25B | -27.48B | 13.97B | 20.78B | 54.31B |
| Investing Cash Flow | 0.00 | 129.06B | -327.81B | -13.10B | -352.81B | -194.33B |
| Financing Cash Flow | 0.00 | -915.67B | 456.42B | -446.08B | 1.63T | 1.24T |
Hachijuni Bank Technical Analysis
Positive
1797.50
Price Trends
1988.43
Positive
1841.98
Positive
1601.37
Positive
Market Momentum
41.15
Negative
55.13
Neutral
56.42
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 2022.32, below the 50-day MA of 1988.43, and above the 200-day MA of 1601.37, indicating a bullish trend. The MACD of 41.15 indicates Negative momentum. The RSI at 55.13 is Neutral, neither overbought nor oversold. The STOCH value of 56.42 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 | ¥865.29B | 9.65 | 8.19% | 3.14% | 15.77% | 27.55% | |
75 Outperform | ¥1.28T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
70 Outperform | ¥956.28B | 10.74 | 6.30% | 2.87% | 14.57% | 100.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥963.92B | 8.76 | ― | 2.10% | 1.39% | 52.58% | |
66 Neutral | ¥1.26T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
64 Neutral | ¥1.17T | 11.66 | ― | 2.00% | 18.45% | 41.89% |
* Financial Sector Average
JP:8359
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Hachijuni Bank Corporate Events
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...
Hachijuni Nagano Bank Posts Strong Nine-Month Profit Gain and Raises Dividend Outlook
Feb 6, 2026
Hachijuni Nagano Bank reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income rising 18.7% year on year to ¥208.9 billion and profit attributable to owners of parent surging 49.9% to ¥47.7 b...
Hachijuni Nagano Bank Launches Shareholder Perks Tied to Nagano Specialties
Jan 16, 2026
Hachijuni Nagano Bank has approved the introduction of a new shareholder benefits program designed both to reward existing investors and attract more long-term individual shareholders. Starting with a first record date of March 31, 2026, sharehold...
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.