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Hachijuni Bank Ltd (JP:8359)
:8359
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Hachijuni Bank (8359) AI Stock Analysis

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JP:8359

Hachijuni Bank

(OTC:8359)

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Neutral 65 (OpenAI - 4o)
Rating:65Neutral
Price Target:
¥1,461.00
▼(-6.91% Downside)
Hachijuni Bank's overall stock score is driven by its strong financial performance, characterized by solid revenue growth and operational efficiency. However, technical indicators suggest the stock may be overbought, posing a risk of a short-term correction. The reasonable valuation and attractive dividend yield add to the stock's potential appeal.

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

Hachijuni Bank Business Overview & Revenue Model

Company DescriptionThe 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 MoneyHachijuni Bank generates revenue through several key streams. The primary source of income is interest income derived from loans extended to individuals and businesses, which include mortgages, personal loans, and corporate financing. The bank also earns fees and commissions from various services such as financial advisory, brokerage services, and the sale of investment products like mutual funds and insurance. Additionally, Hachijuni Bank benefits from the spread between interest earned on assets and interest paid on deposits. The bank's strategic partnerships with other financial institutions and businesses also contribute to its revenue, enhancing its product offerings and expanding its customer base.

Hachijuni Bank Financial Statement Overview

Summary
Hachijuni Bank demonstrates solid 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
75
Positive
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
70
Positive
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
65
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue217.44B246.18B167.94B178.72B145.75B146.55B
Gross Profit217.44B201.46B167.94B178.72B143.12B137.73B
EBITDA41.63B39.47B56.79B40.29B43.62B37.66B
Net Income48.02B48.22B37.07B24.14B26.67B22.38B
Balance Sheet
Total Assets13.52T13.52T14.83T12.96T13.34T12.16T
Cash, Cash Equivalents and Short-Term Investments3.03T3.03T3.72T3.60T4.06T2.75T
Total Debt2.40T2.40T3.78T3.49T3.59T3.18T
Total Liabilities12.55T12.55T13.71T12.05T12.43T11.25T
Stockholders Equity963.51B963.51B1.11T913.12B909.20B906.29B
Cash Flow
Free Cash Flow95.73B95.73B-36.03B-595.84B801.96B1.36T
Operating Cash Flow105.25B105.25B-27.48B-588.48B810.18B1.37T
Investing Cash Flow-7.54B-7.54B-335.32B163.35B499.34B-264.45B
Financing Cash Flow-33.39B78.08B163.12B-19.86B381.54B-7.24B

Hachijuni Bank Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1569.50
Price Trends
50DMA
1408.12
Positive
100DMA
1286.71
Positive
200DMA
1135.18
Positive
Market Momentum
MACD
33.63
Negative
RSI
74.05
Negative
STOCH
85.84
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 1569.5 is above the 20-day moving average (MA) of 1470.47, above the 50-day MA of 1408.12, and above the 200-day MA of 1135.18, indicating a bullish trend. The MACD of 33.63 indicates Negative momentum. The RSI at 74.05 is Negative, neither overbought nor oversold. The STOCH value of 85.84 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
678.92B9.486.64%1.79%5.72%61.14%
72
Outperform
661.68B12.837.80%2.66%7.15%44.42%
71
Outperform
833.02B14.551.67%13.30%40.85%
70
Outperform
445.78B11.767.10%3.04%14.20%29.96%
67
Neutral
734.93B26.7516.55%0.39%23.73%12.39%
65
Neutral
$718.47B13.425.13%2.79%7.25%134.48%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8359
Hachijuni Bank
1,569.50
744.82
90.32%
GMBKF
Gunma Bank
9.92
3.92
65.33%
JP:5830
Iyogin Holdings,Inc.
2,240.50
899.99
67.14%
JP:7163
SBI Sumishin Net Bank Ltd
4,875.00
2,198.16
82.12%
JP:7167
Mebuki Financial Group, Inc.
959.30
391.56
68.97%
JP:7337
Hirogin Holdings, Inc.
1,465.50
380.44
35.06%

Hachijuni Bank Corporate Events

Hachijuni Bank Acquires Treasury Stock as Part of Capital Strategy
Aug 5, 2025

The Hachijuni Bank announced the acquisition of 1,100,900 shares of its own common stock from July 1 to July 31, 2025, at a total cost of approximately 1.38 billion yen. This move is part of a broader plan approved by the Board of Directors to acquire up to 10 million shares by the end of 2025, reflecting the bank’s strategy to manage its capital structure and potentially enhance shareholder value.

Hachijuni Bank Reports Strong Financial Performance for Q2 2025
Aug 1, 2025

The Hachijuni Bank reported a significant increase in its financial performance for the three months ended June 30, 2025, with ordinary income rising by 20.3% and profit attributable to owners of the parent increasing by 36.3% compared to the previous year. The bank’s total assets and net assets also saw growth, indicating a strong financial position. The bank has maintained its dividend forecast for the fiscal year ending March 31, 2026, with a slight increase in the expected year-end dividend, reflecting confidence in its ongoing financial stability.

Hachijuni Bank Completes Treasury Stock Disposal for Compensation
Jul 18, 2025

Hachijuni Bank has completed the payment procedures for the disposal of treasury stock as restricted stock compensation, a decision initially resolved at a Board of Directors meeting on June 20, 2025. This disposal involves 77,702 shares of common stock, with a total value of 91,882,615 yen, allocated to directors and executive officers, potentially impacting the company’s financial structuring and stakeholder interests.

Hachijuni Bank Reports Progress on Treasury Stock Acquisition
Jul 3, 2025

Hachijuni Bank has announced the status of its treasury stock acquisition, reporting the purchase of 1,049,000 shares between June 1 and June 30, 2025, at a total cost of 1,240,672,500 yen. This move is part of a broader plan authorized by the Board of Directors to acquire up to 10 million shares by the end of December 2025, aiming to enhance shareholder value and optimize capital structure.

Hachijuni Bank to Implement Restricted Stock Compensation Plan
Jun 20, 2025

Hachijuni Bank announced a resolution to dispose of 77,702 shares of treasury stock as part of a restricted stock compensation plan aimed at motivating directors and executive officers. This initiative is designed to align the interests of the bank’s leadership with shareholders by linking compensation to stock performance, thereby potentially enhancing the bank’s long-term value.

Hachijuni Bank Acquires Treasury Stock as Part of Strategic Capital Management
Jun 4, 2025

Hachijuni Bank announced the acquisition of 779,800 shares of its treasury stock between May 12 and May 31, 2025, amounting to 896,455,050 yen. This acquisition is part of a broader resolution by the Board of Directors to acquire up to 10 million shares by December 30, 2025, reflecting the bank’s strategic move to manage its capital structure and potentially enhance shareholder value.

Hachijuni Bank Issues Correction on Shareholder Proposal Notice
May 16, 2025

Hachijuni Bank issued a correction notice regarding a previous announcement about shareholder proposals. The correction involved removing unnecessary underlining in a table related to proposed amendments to the Articles of Incorporation concerning the disclosure of directors’ compensation. This correction ensures clarity and accuracy in the bank’s communications with its stakeholders.

Hachijuni Bank’s Board Opposes Shareholder Proposals
May 9, 2025

The Board of Directors of Hachijuni Bank has decided to oppose shareholder proposals submitted by LIM Japan Event Master Fund for the upcoming Annual General Meeting. The proposals included amendments to the Articles of Incorporation concerning disclosure of investments and directors’ compensation, among others. The Board’s opposition is based on the belief that the current systems and policies in place are sufficient and that the proposals do not align with the bank’s strategic interests or compliance standards.

Hachijuni Bank Announces Leadership Changes to Strengthen Market Position
May 9, 2025

Hachijuni Bank announced a series of changes in its leadership, including the appointment of Maiko Onoda as a new Outside Director and the retirement of Chairman Takahiko Asai. These changes, effective after the Annual General Meeting on June 20, 2025, are part of the bank’s strategic efforts to strengthen its leadership team and enhance its market position.

Hachijuni Bank Reports Significant Financial Growth in Fiscal Year 2025
May 9, 2025

Hachijuni Bank reported a significant increase in its financial results for the fiscal year ending March 31, 2025, compared to the previous year. The bank’s consolidated ordinary income rose by 19.7%, while non-consolidated ordinary income increased by 22.8%, driven by higher interest income and gains on the sale of equity securities.

Hachijuni Bank Announces Dividend Increase and Merger Commemorative Dividend
May 9, 2025

Hachijuni Bank announced an increase in its dividend forecast for the fiscal year ending March 31, 2026, projecting a total annual dividend of 50 yen per share. This includes a 5 yen commemorative dividend in light of its upcoming merger with The Nagano Bank, Ltd., scheduled for January 1, 2026, highlighting the bank’s commitment to rewarding shareholders and marking a significant strategic move in its regional banking operations.

Hachijuni Bank Announces Increased Year-End Dividend
May 9, 2025

Hachijuni Bank has announced a significant increase in its year-end dividend for the fiscal year ending March 31, 2025, raising it to 29 yen per share from the previously forecasted 21 yen. This decision reflects the bank’s strong financial performance and commitment to its medium-term management targets, resulting in a total annual dividend of 42 yen per share, up from 24 yen in the previous fiscal year.

Hachijuni Bank Announces Treasury Stock Acquisition
May 9, 2025

Hachijuni Bank has announced a resolution to acquire up to 10 million shares of its common stock, representing 2.16% of its total issued shares, excluding treasury stock. This strategic move aims to adapt to changes in the business environment and enhance shareholder returns, with the acquisition period set from May 12, 2025, to December 30, 2025, through market purchases.

Hachijuni Bank Reports Robust Financial Results for FY 2025
May 9, 2025

Hachijuni Bank reported strong financial results for the fiscal year ending March 31, 2025, with a notable increase in ordinary revenues and profits. The bank’s ordinary revenues rose by 19.7% to ¥254,193 million, and ordinary profit surged by 81.2% to ¥63,838 million. Despite a decline in total assets and net assets, the bank increased its dividends significantly, reflecting confidence in its future performance. The bank’s strategic focus on improving profitability and shareholder returns is evident in its financial results and dividend forecasts.

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: Jul 25, 2025