Hachijuni Bank (8359) AI Stock Analysis

• Market Cap: ¥575.60B
• Dividend Yield: 3.37%
• Average Volume (3M): 1.30M
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.09
• Revenue Growth: 16.68%
• EPS Growth: 1.73%
• Country: JP
• Employees: 4,140
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 34.73
• Shares Outstanding: 493,767,430
• 10 Day Avg. Volume: 1,192,870
• 30 Day Avg. Volume: 1,300,646
• PEG Ratio: 0.31
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• 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 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 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

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
224.55B	217.43B	167.94B	178.72B	141.40B	139.69B
	Gross Profit
232.68B	0.00	167.94B	178.72B	141.40B	139.69B
	EBIT
117.89B	39.47B	36.34B	36.42B	38.36B	32.11B
	EBITDA
52.27B	39.47B	56.79B	40.29B	43.62B	37.66B
	Net Income Common Stockholders
36.03B	48.22B	37.07B	24.14B	26.67B	22.38B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.97T	0.00	3.72T	3.60T	4.05T	2.75T
	Total Assets
13.88T	13.52T	14.83T	12.96T	13.34T	12.16T
	Total Debt
2.04T	2.40T	3.78T	3.05T	3.59T	2.32T
	Net Debt
-932.88B	2.40T	-3.72T	-548.09B	-456.79B	-438.10B
	Total Liabilities
12.85T	12.55T	13.71T	1.89T	12.43T	11.25T
	Stockholders Equity
1.03T	963.51B	1.11T	913.12B	909.20B	906.29B
Cash Flow		Free Cash Flow
0.00	95.73B	454.97B	-595.84B	801.96B	1.36T
	Operating Cash Flow
0.00	105.25B	454.97B	-588.48B	810.18B	1.37T
	Investing Cash Flow
0.00	129.06B	-335.32B	163.35B	499.34B	-264.45B
	Financing Cash Flow
0.00	-915.67B	163.12B	-19.86B	-6.86B	-7.24B

Hachijuni Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1184.50
• 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 1184.5 is above the 20-day moving average (MA) of 1163.25, above the 50-day MA of 1060.37, and above the 200-day MA of 962.51, indicating a bullish trend. The MACD of 37.13 indicates Positive momentum. The RSI at 62.87 is Neutral, neither overbought nor oversold. The STOCH value of 62.27 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
8331	73 Outperform	$926.10B	12.44	6.30%	2.93%	9.28%	20.48%
8334	69 Neutral	¥465.79B	10.48	7.63%	3.62%	-4.47%	30.59%
8359	65 Neutral	¥575.60B	11.70	4.56%	3.37%	16.68%	1.73%
8386	65 Neutral	¥110.81B	8.19		3.68%	-0.27%	38.79%
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%
8344	52 Neutral	¥46.52B	10.95		2.97%	-16.07%	43.79%

Hachijuni Bank Corporate Events

Hachijuni Bank Joins Mt. Fuji ・Alps Alliance for Regional Growth

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

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.