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Hachijuni Bank (JP:8359)
:8359

Hachijuni Bank (8359) AI Stock Analysis

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JP

Hachijuni Bank

(OTC:8359)

Rating:65Neutral
Price Target:
Hachijuni Bank exhibits strong financial performance with notable revenue growth and profitability. However, technical analysis indicates bearish momentum, which may concern short-term investors. The valuation metrics offer an attractive proposition for value investors. The lack of cash flow clarity and technical momentum are key risks that should be addressed to improve the stock's appeal.

Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)

Hachijuni Bank Business Overview & Revenue Model

Company DescriptionHachijuni Bank (8359) is a regional bank headquartered in Nagano, Japan. It operates primarily in the banking sector, providing a wide range of financial services including retail and corporate banking, asset management, leasing, and securities. The bank serves individual customers, small and medium-sized enterprises (SMEs), and large corporations, primarily within the Nagano region and neighboring areas. With a strong focus on community banking, Hachijuni Bank aims to support local economic growth and development.
How the Company Makes MoneyHachijuni Bank generates revenue through various financial services it offers. The primary revenue streams include interest income from loans and advances to customers, which is a significant part of its earnings. The bank also earns fees and commissions from services such as account maintenance, transaction processing, and advisory services. Additionally, Hachijuni Bank generates income through securities trading and investments, leveraging its asset management capabilities. Partnerships with local businesses and participation in regional economic initiatives further enhance its revenue potential. While the bank focuses on traditional banking activities, it also seeks to innovate and expand its digital offerings to increase customer engagement and efficiency.

Hachijuni Bank Financial Statement Overview

Summary
Hachijuni Bank displays strong revenue growth and profitability metrics, reflecting operational efficiency and a stable financial position. However, cash flow uncertainties and liabilities require attention to ensure sustained financial health. Overall, the bank is well-positioned in the regional banking sector but should focus on enhancing cash flow transparency.
Income Statement
85
Very Positive
Hachijuni Bank shows a consistent revenue growth with a significant TTM revenue of ¥224.5B, up from ¥167.9B the previous year. The bank's gross profit margin remains robust, and net profit margin has shown improvement, reflecting strong operational efficiency. However, EBIT and EBITDA margins indicate some variability, which should be monitored for future stability.
Balance Sheet
78
Positive
The bank maintains a strong equity position with an equity ratio of approximately 7.41% in the latest TTM period, highlighting stability. Debt-to-equity ratio is manageable, but the high total liabilities need careful management to ensure long-term sustainability. The return on equity is healthy, indicating effective use of shareholder funds.
Cash Flow
60
Neutral
Cash flow metrics present a mixed picture. While free cash flow was positive in the last annual report, the TTM data lacks cash flow information. This creates uncertainty about the bank's current cash generation capacity. Previously, the operating cash flow to net income ratio was favorable, suggesting effective cash profit conversion.
BreakdownTTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue224.55B217.43B167.94B178.72B141.40B139.69B
Gross Profit232.68B0.00167.94B178.72B141.40B139.69B
EBITDA52.27B39.47B56.79B40.29B43.62B37.66B
Net Income36.03B48.22B37.07B24.14B26.67B22.38B
Balance Sheet
Total Assets13.88T13.52T14.83T12.96T13.34T12.16T
Cash, Cash Equivalents and Short-Term Investments2.97T0.003.72T3.60T4.06T2.75T
Total Debt2.04T2.40T3.78T3.05T3.59T2.32T
Total Liabilities12.85T12.55T13.71T1.89T12.43T11.25T
Stockholders Equity1.03T963.51B1.11T913.12B909.20B906.29B
Cash Flow
Free Cash Flow0.0095.73B454.97B-595.84B801.96B1.36T
Operating Cash Flow0.00105.25B454.97B-588.48B810.18B1.37T
Investing Cash Flow0.00129.06B-335.32B163.35B499.34B-264.45B
Financing Cash Flow0.00-915.67B163.12B-19.86B-6.86B-7.24B

Hachijuni Bank Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1187.00
Price Trends
50DMA
1137.88
Positive
100DMA
1054.97
Positive
200DMA
986.07
Positive
Market Momentum
MACD
11.00
Positive
RSI
58.95
Neutral
STOCH
86.13
Negative
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 1187 is above the 20-day moving average (MA) of 1177.87, above the 50-day MA of 1137.88, and above the 200-day MA of 986.07, indicating a bullish trend. The MACD of 11.00 indicates Positive momentum. The RSI at 58.95 is Neutral, neither overbought nor oversold. The STOCH value of 86.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8359.

Hachijuni Bank Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$970.76B13.046.30%3.24%9.27%20.49%
69
Neutral
¥479.85B10.797.63%4.07%-4.47%30.59%
67
Neutral
¥718.51B10.847.44%3.36%7.82%15.26%
65
Neutral
¥587.02B11.934.55%4.80%16.68%1.73%
65
Neutral
¥121.78B9.00
2.77%-0.27%38.79%
52
Neutral
¥45.57B10.73
3.66%-16.07%43.79%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8359
Hachijuni Bank
1,208.00
196.90
19.47%
JP:8344
Yamagata Bank, Ltd.
1,501.00
372.46
33.00%
JP:8386
Hyakujushi Bank, Ltd.
4,330.00
1,236.92
39.99%
JP:8334
Gunma Bank
1,228.50
266.21
27.66%
JP:8331
Chiba Bank
1,358.50
28.10
2.11%

Hachijuni Bank Corporate Events

Hachijuni Bank Joins Mt. Fuji ・Alps Alliance for Regional Growth
Mar 27, 2025

Hachijuni Bank, along with Shizuoka Bank and Yamanashi Chuo Bank, has formed a comprehensive business alliance called the Mt. Fuji ・Alps Alliance. This collaboration aims to expand the existing Shizuoka Yamanashi Alliance by combining resources and strengths to address regional challenges and enhance revenue opportunities. The alliance seeks to contribute to local community growth by focusing on social value creation and corporate value growth while maintaining the independence of each bank.

Hachijuni Bank Reports Mixed Financial Results for December 2024
Feb 7, 2025

Hachijuni Bank reported a 12.6% year-over-year increase in ordinary revenues for December 2024, reaching ¥175,878 million. However, the profit attributable to the owners decreased slightly by 3.1%. The bank’s total assets and net assets showed a decrease compared to March 2024, with a slight decline in the capital adequacy ratio, indicating a potential area of concern for stakeholders.

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.Date of analysis: Apr 10, 2025