Hachijuni Bank (8359) AI Stock Analysis

• Market Cap: ¥777.98B
• Dividend Yield: 2.88%
• Average Volume (3M): 1.12M
• Price to Earnings (P/E): 13.5
• Beta (1Y): 1.15
• Revenue Growth: 14.57%
• EPS Growth: 100.81%
• Country: JP
• Employees: 4,140
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 29.13
• Shares Outstanding: 493,767,430
• 10 Day Avg. Volume: 1,136,670
• 30 Day Avg. Volume: 1,121,530
• PEG Ratio: 0.32
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 2.43
• P/FCF Ratio: 5.23
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: ¥1,816.00 ▲(6.85% Upside)

Hachijuni Bank's stock is supported by strong technical momentum and a solid valuation profile. Financial performance is robust, though rising leverage and cash flow fluctuations warrant attention. The absence of earnings call and corporate events data does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for Hachijuni Bank's services and effective market penetration, supporting long-term business expansion.

Operational Efficiency

High operational efficiency suggests that Hachijuni Bank effectively controls costs and maximizes profitability, enhancing its competitive advantage.

Equity Position

A robust equity position provides financial stability and flexibility, enabling Hachijuni Bank to invest in growth opportunities and withstand economic downturns.

Negative Factors

Rising Leverage

Increasing leverage can heighten financial risk, potentially impacting Hachijuni Bank's ability to manage debt obligations and invest in future growth.

Cash Flow Fluctuations

Fluctuating cash flows can challenge Hachijuni Bank's ability to maintain liquidity and fund operations consistently, posing a risk to financial stability.

Net Profit Margin Fluctuations

Variability in net profit margins may indicate challenges in maintaining consistent profitability, affecting long-term financial performance and investor confidence.

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; housing, car, education card, remodeling, card, medical, overdraft, business, founding support, and Hachini free loans; public and private placement bonds; and life, medical, education, and fire insurance products. The company also provides credit and debit cards; pension plans; and investment trust, inheritance, internet and mobile banking, pension consultation, foreign currency reserve, payment collection, expense settlement, and management and business support services, as well as information on civil trust. It also engages in financial products brokerage business. As of March 31, 2022, the company operated 142 branches, 9 branch offices, and 221 ATMs in Japan; 1 branch in Hong Kong; and 3 representative offices in Shanghai, Bangkok, and Singapore. The Hachijuni Bank, Ltd. was founded in 1877 and is headquartered in Nagano, Japan.

How the Company Makes Money

Hachijuni Bank generates revenue primarily through interest income from loans and mortgages issued to individuals and businesses. The bank collects interest on these loans, which constitutes a significant portion of its earnings. Additionally, Hachijuni Bank earns fees from various services, including account maintenance, transaction services, and investment products. The bank also benefits from asset management services and wealth management fees. Significant partnerships with local businesses and government entities enhance its lending capabilities and provide avenues for cross-selling financial products, contributing positively to its revenue streams.

Hachijuni Bank Financial Statement Overview

Summary

Hachijuni Bank demonstrates strong revenue growth and operational efficiency with consistent profit margins and a robust equity position. However, rising leverage and fluctuating cash flows present potential risks that need careful monitoring.

Income Statement

Hachijuni Bank has demonstrated solid revenue growth over the years, with a notable increase from JPY 139.69 billion in 2021 to JPY 246.18 billion in 2025. The gross profit margin remains consistently high, indicating efficiency in managing its core operations. However, the net profit margin shows some fluctuation, with a significant improvement in 2025. The EBIT and EBITDA margins have remained relatively stable, showcasing operational strength despite market challenges.

Balance Sheet

The bank maintains a strong equity base, as evidenced by a substantial stockholders' equity position, although the debt-to-equity ratio has been rising, indicating increasing leverage. This could suggest potential risks if debt levels continue to grow. The equity ratio has shown slight improvements, reflecting a balanced approach to leveraging assets.

Cash Flow

The cash flow analysis reveals a mixed picture, with the operating cash flow exhibiting significant fluctuations. The free cash flow has been positive in recent years, but the free cash flow growth rate has been inconsistent. The operating cash flow to net income ratio indicates efficient cash generation relative to profits, although the bank needs to stabilize its cash flow patterns to mitigate potential risks.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	216.69B	246.18B	204.95B	192.62B	145.75B	146.64B
Gross Profit	216.69B	201.46B	167.94B	174.51B	141.43B	139.77B
EBITDA	45.11B	71.05B	56.79B	40.29B	43.62B	37.66B
Net Income	52.40B	47.98B	37.07B	24.14B	26.67B	22.38B
Balance Sheet
Total Assets	13.61T	13.52T	14.83T	12.96T	13.34T	12.16T
Cash, Cash Equivalents and Short-Term Investments	0.00	3.03T	3.72T	3.60T	4.05T	2.75T
Total Debt	2.36T	2.18T	3.29T	3.05T	3.59T	2.32T
Total Liabilities	12.61T	12.55T	13.71T	12.05T	12.43T	11.25T
Stockholders Equity	999.57B	963.51B	1.11T	913.12B	909.20B	906.29B
Cash Flow
Free Cash Flow	95.73B	95.73B	-36.03B	-595.84B	801.96B	1.36T
Operating Cash Flow	105.25B	105.25B	-27.48B	-588.48B	810.18B	1.37T
Investing Cash Flow	-7.54B	-7.54B	-335.32B	163.35B	499.34B	-264.45B
Financing Cash Flow	-33.39B	241.33B	163.12B	-19.86B	381.54B	-7.24B

Hachijuni Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1699.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1699.5 is above the 20-day moving average (MA) of 1667.08, above the 50-day MA of 1574.13, and above the 200-day MA of 1289.15, indicating a bullish trend. The MACD of 30.32 indicates Positive momentum. The RSI at 58.71 is Neutral, neither overbought nor oversold. The STOCH value of 44.36 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	¥777.98B	13.52	5.37%	2.88%	14.57%	100.81%
5830	75 Outperform	¥788.16B	11.54	―	2.11%	1.39%	52.58%
7337	70 Outperform	¥489.13B	12.79	―	3.20%	19.82%	29.59%
8334	69 Neutral	¥674.04B	13.83	8.19%	3.11%	15.77%	27.55%
7167	69 Neutral	¥927.85B	14.71	―	1.97%	18.45%	41.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7163	67 Neutral	―	―	―	―	23.73%	12.39%

Hachijuni Bank Corporate Events

Hachijuni Bank Acquires Treasury Stock to Optimize Capital Structure

Hachijuni Bank announced the acquisition of 794,900 shares of its common stock, amounting to approximately 1.24 billion yen, as part of its treasury stock acquisition plan. This move is part of a larger strategy approved by the Board of Directors to acquire up to 10 million shares, reflecting the bank’s efforts to manage its capital structure and potentially enhance shareholder value.

Hachijuni Bank Introduces Restricted Stock Incentive Plan

Hachijuni Bank has announced a plan to dispose of its treasury stock as part of a new Restricted Stock Incentive Plan aimed at its Group’s Employee Shareholding Association. This initiative is designed to enhance employee benefits by allowing eligible employees to acquire restricted stock, thereby aligning their interests with the bank’s shareholders and promoting sustainable corporate value growth.

Hachijuni Bank Announces Strategic Merger and Medium-term Plan

Hachijuni Bank has announced a merger with its subsidiary, The Nagano Bank, to form the Hachijuni Nagano Bank, effective January 1, 2026. This merger is part of a broader strategy outlined in their Medium-term Management Plan, which focuses on regional development, profitability, and sustainable growth. The plan includes enhancing digitalization, supporting regional industries, and investing in human capital and AI to strengthen competitiveness. The bank aims to create a prosperous future with its stakeholders, aligning with its long-term vision for 2035.

Hachijuni Bank Reports Capital Ratio for September 2025

Hachijuni Bank announced its capital ratio as of September 30, 2025, showing a total capital ratio of 16.44% on a consolidated basis. This reflects a slight increase from March 2025 but a decrease from September 2024, indicating fluctuations in its capital adequacy over the year. The announcement highlights the bank’s ongoing efforts to manage its financial stability and risk-weighted assets, which are crucial for maintaining investor confidence and regulatory compliance.

Hachijuni Bank Announces Leadership Changes Post-Merger

Hachijuni Bank, Ltd. announced a tentative decision to change the Directors and Executive Officers of the newly established Hachijuni Nagano Bank, Ltd., following a merger scheduled for January 1, 2026. This strategic move is expected to enhance the bank’s operational efficiency and strengthen its market position, with key appointments including Hitoshi Nishizawa as Executive Vice President.

Hachijuni Bank Reports Strong Financial Growth in Q2

Hachijuni Bank reported a significant increase in its financial results for the second quarter of the fiscal year ending March 31, 2026, compared to the previous year. The bank’s consolidated ordinary income rose by 18.3%, driven mainly by non-consolidated results, which saw a 26.8% increase due to higher interest income and gains from the sale of equity securities. This improvement reflects positively on the bank’s operational performance and may enhance its market positioning.

Hachijuni Bank Revises Financial Forecast Amid Upcoming Merger

Hachijuni Bank has revised its full-year financial forecast for the fiscal year ending March 31, 2026, citing better-than-expected non-consolidated net interest income and gains on securities. The revision also accounts for the anticipated merger with The Nagano Bank, Ltd., set for January 1, 2026, which is expected to positively impact the bank’s financial performance.

Hachijuni Bank Reports Strong Half-Year Financial Results with Increased Dividends

Hachijuni Bank reported a strong financial performance for the six months ending September 30, 2025, with a notable increase in ordinary income and profit attributable to owners of the parent, reflecting a positive year-on-year growth. The bank’s improved capital adequacy ratio and increased dividend forecast indicate a robust financial position and commitment to shareholder returns, signaling confidence in its future growth and stability.

Hachijuni Bank Advances Treasury Stock Acquisition Strategy

Hachijuni Bank announced the acquisition of 940,200 shares of its common stock for approximately 1.38 billion yen during October 2025. This move is part of a broader strategy authorized by the Board of Directors to acquire up to 10 million shares by the end of December 2025, reflecting the bank’s ongoing efforts to manage its capital structure effectively.

Hachijuni Bank Reports Progress in Treasury Stock Acquisition

The Hachijuni Bank announced the acquisition of 803,400 shares of its common stock during September 2025, as part of a broader plan to acquire up to 10 million shares by the end of the year. This move is part of the bank’s strategic initiative to manage its capital structure and potentially enhance shareholder value.

Hachijuni Bank Announces Merger with Nagano Bank

The Hachijuni Bank, Ltd. has announced the conclusion of an agreement for an absorption-type merger with its wholly-owned subsidiary, The Nagano Bank, Ltd. This merger aims to integrate the banks quickly, enhancing their ability to provide value to customers and the local community by leveraging combined expertise and resources. The merger, scheduled to be effective from January 1, 2026, will not require shareholder approval due to its simplified nature, and no new shares or payments will be issued as part of the merger process.