Hachijuni Bank (8359) AI Stock Analysis

• Market Cap: ¥660.89B
• Dividend Yield: 3.09%
• Average Volume (3M): 1.34M
• Price to Earnings (P/E): 13.4
• Beta (1Y): 1.11
• Revenue Growth: 7.20%
• EPS Growth: 31.52%
• Country: JP
• Employees: 4,140
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 34.73
• Shares Outstanding: 493,767,430
• 10 Day Avg. Volume: 1,192,010
• 30 Day Avg. Volume: 1,336,980
• 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: ¥1,461.00 ▲(7.43%Upside)

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 Business Overview & Revenue Model

Company Description

Hachijuni Bank, Ltd., headquartered in Nagano, Japan, is a regional bank primarily engaged in banking operations. It offers a comprehensive range of financial services, including deposit products, loans, investment trusts, and foreign exchange services. The bank caters to individual and corporate clients, focusing on fostering economic growth and providing financial stability within the regions it serves.

How the Company Makes Money

Hachijuni 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 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: 1360.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 1360 is above the 20-day moving average (MA) of 1243.85, above the 50-day MA of 1198.64, and above the 200-day MA of 1020.55, indicating a bullish trend. The MACD of 43.84 indicates Negative momentum. The RSI at 85.48 is Negative, neither overbought nor oversold. The STOCH value of 93.63 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
8334	72 Outperform	$545.08B	12.26	7.63%	3.22%	-1.55%	45.42%
7167	71 Outperform	¥763.75B	14.40		1.90%	2.02%	92.64%
7163	70 Outperform	¥735.68B	26.16		0.39%	―	―
5830	69 Neutral	¥544.08B	10.08		2.22%	18.72%	81.14%
Sector *	68 Neutral	¥758.97B	11.02	7.55%	3.20%	7.82%	14.69%
7337	67 Neutral	¥400.92B	11.12		3.38%	<0.01%	56.12%
8359	65 Neutral	¥660.89B	13.43	4.55%	3.09%	7.20%	31.52%

Hachijuni Bank Corporate Events

Hachijuni Bank Completes Treasury Stock Disposal for Compensation

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

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

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

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

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

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

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

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

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

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

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

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.