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Hachijuni Bank
(8359)
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Rating:76Outperform
Price Target:
¥3,022.00
▲(13.01% 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 net income rebound
Sustained revenue and net income growth over multiple years indicates durable improvement in core banking activity, likely from higher lending, fee income or securities returns. This strengthens earnings power and provides a firmer base for reinvestment and capital accumulation over the medium term.
Negative Factors
Rising absolute debt in 2026
An uptick in total debt after prior improvement raises leverage risks; historically debt-to-equity ran 3–4x and though improved to ~2.26x in 2025, rising debt can constrain capital allocation, raise funding costs and reduce resilience to rate or credit shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and net income rebound
Sustained revenue and net income growth over multiple years indicates durable improvement in core banking activity, likely from higher lending, fee income or securities returns. This strengthens earnings power and provides a firmer base for reinvestment and capital accumulation over the medium term.
Read all positive factors
Hachijuni Bank (8359) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.15T
Dividend Yield1.92%
Average Volume (3M)1.12M
Price to Earnings (P/E)15.9
Beta (1Y)1.14
Revenue Growth19.96%
EPS Growth40.57%
CountryJP
Employees4,128
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)170.86
Revenue Forecast (FY)¥341.40B
Hachijuni Bank Business Overview & Revenue Model
Company Description
The Hachijuni Bank, Ltd. provides a comprehensive array of financial products and services, serving individual clients, corporate entities, and independent entrepreneurs. Its offerings encompass a diverse range of deposit accounts, including time,...
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
2674.00
Price Trends
2455.10
Positive
2280.57
Positive
1998.32
Positive
Market Momentum
21.25
Positive
54.82
Neutral
40.67
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 2674 is above the 20-day moving average (MA) of 2574.60, above the 50-day MA of 2455.10, and above the 200-day MA of 1998.32, indicating a bullish trend. The MACD of 21.25 indicates Positive momentum. The RSI at 54.82 is Neutral, neither overbought nor oversold. The STOCH value of 40.67 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 | ¥1.15T | 15.90 | 6.08% | 1.80% | 19.96% | 40.57% | |
69 Neutral | ¥1.30T | 12.15 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | ¥1.30T | 16.81 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥1.41T | 16.28 | 8.30% | 2.38% | 22.25% | 18.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥1.10T | 14.32 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥966.15B | 16.36 | 9.80% | 2.33% | 22.63% | 36.09% |
* Financial Sector Average
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Hachijuni Bank Corporate Events
Hachijuni Nagano Bank Completes Restricted Stock Compensation Share Disposal
Jul 17, 2026
Hachijuni Nagano Bank, Ltd. has completed the payment procedures for the disposal of treasury stock used as restricted stock compensation, following a resolution passed by its board of directors in late June 2026. The move forms part of the bank&#...
Hachijuni Nagano Bank Advances Treasury Stock Buyback Program
Jul 3, 2026
Hachijuni Nagano Bank has disclosed the latest progress of its share buyback program authorized under the Companies Act, detailing treasury stock purchases conducted in June 2026. The bank acquired 570,000 shares of its common stock on the market ...
Hachijuni Nagano Bank Ties Executive Pay to Long-Term Stock Performance with Restricted Share Plan
Jun 26, 2026
Hachijuni Nagano Bank has approved the disposal of 41,549 shares of its treasury stock to implement a restricted stock compensation plan for four internal directors and sixteen executive officers, at a disposal price of 2,355.5 yen per share and a...
Hachijuni Nagano Bank Reports Progress on Share Buyback Program
Jun 3, 2026
Hachijuni Nagano Bank has disclosed progress on its share buyback program authorized under Japan’s Companies Act, detailing the acquisition of 240,000 shares of its common stock between May 18 and May 31, 2026, for a total of approximately &...
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...
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.