Hachijuni Bank (8359) AI Stock Analysis

• Market Cap: ¥587.02B
• Dividend Yield: 4.8%
• Average Volume (3M): 1.29M
• Price to Earnings (P/E): 11.9
• Beta (1Y): 1.09
• Revenue Growth: 16.68%
• EPS Growth: 1.73%
• Country: JP
• Employees: 4,140
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 34.73
• Shares Outstanding: 493,767,430
• 10 Day Avg. Volume: 1,265,350
• 30 Day Avg. Volume: 1,294,610
• PEG Ratio: -1.38
• Price to Book (P/B): 0.30
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.47
• 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

Hachijuni 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 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

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

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

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

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.

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
EBITDA	52.27B	39.47B	56.79B	40.29B	43.62B	37.66B
Net Income	36.03B	48.22B	37.07B	24.14B	26.67B	22.38B
Balance Sheet
Total Assets	13.88T	13.52T	14.83T	12.96T	13.34T	12.16T
Cash, Cash Equivalents and Short-Term Investments	2.97T	0.00	3.72T	3.60T	4.06T	2.75T
Total Debt	2.04T	2.40T	3.78T	3.05T	3.59T	2.32T
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: 1187.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$970.76B	13.04	6.30%	3.24%	9.27%	20.49%
8334	69 Neutral	¥479.85B	10.79	7.63%	4.07%	-4.47%	30.59%
Sector *	67 Neutral	¥718.51B	10.84	7.44%	3.36%	7.82%	15.26%
8359	65 Neutral	¥587.02B	11.93	4.55%	4.80%	16.68%	1.73%
8386	65 Neutral	¥121.78B	9.00		2.77%	-0.27%	38.79%
8344	52 Neutral	¥45.57B	10.73		3.66%	-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.