Fukui Bank, Ltd. (JP:8362)
:8362
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Fukui Bank, Ltd.
(8362)
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Rating:70Outperform
Price Target:
¥5,984.00
▲(118.00% Upside)
Action:Reiterated
Date:05/16/26
The score is driven by very attractive valuation (low P/E with a solid yield) and strong technical uptrend signals. Offsetting these positives, financial performance is improving but carries elevated balance-sheet leverage and highly volatile cash flow, which increases risk despite the earnings recovery.
Positive Factors
Sustained revenue growth
Revenue more than doubled over the period and recent growth accelerated, indicating durable expansion of lending, fee income or securities revenue in core markets. This strengthens the bank's ability to invest in services, absorb credit shocks and support long-term earnings stability.
Negative Factors
Elevated leverage and rising debt levels
High leverage amplifies sensitivity to credit losses, interest-rate swings and regulatory capital pressures. Growing debt reduces financial flexibility for lending or cushions, making the bank more vulnerable to adverse macro shocks or tighter funding conditions over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth
Revenue more than doubled over the period and recent growth accelerated, indicating durable expansion of lending, fee income or securities revenue in core markets. This strengthens the bank's ability to invest in services, absorb credit shocks and support long-term earnings stability.
Read all positive factors
Fukui Bank, Ltd. (8362) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥127.39B
Dividend Yield2.49%
Average Volume (3M)47.96K
Price to Earnings (P/E)15.0
Beta (1Y)0.94
Revenue Growth12.95%
EPS Growth16.68%
CountryJP
Employees1,770
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)255.74
Shares Outstanding24,144,669
10 Day Avg. Volume37,710
30 Day Avg. Volume47,963
Financial Highlights & Ratios
PEG Ratio0.50
Price to Book (P/B)0.49
Price to Sales (P/S)0.99
P/FCF Ratio2.66
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)N/A
Revenue Forecast (FY)N/A
Fukui Bank, Ltd. Business Overview & Revenue Model
Company Description
The Fukui Bank, Ltd., encompassing its various subsidiaries, offers a comprehensive range of financial and banking solutions. Its business operations are strategically divided into two main areas: Banking and Leasing. The Banking segment delivers ...
How the Company Makes Money
Fukui Bank makes money mainly through (1) net interest income—earning interest and loan-related fees on lending (e.g., corporate loans, SME finance, consumer loans, and mortgages) and investment securities, while paying interest on customer deposi...
Fukui Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 61.55B | 76.46B | 59.05B | 51.73B | 51.27B | 42.73B |
| Gross Profit | 61.55B | 64.99B | 56.12B | 50.94B | 50.15B | 42.65B |
| EBITDA | 6.39B | 15.05B | 10.43B | 7.04B | 2.05B | 4.63B |
| Net Income | 5.99B | 8.60B | 7.17B | 3.72B | 1.80B | 4.44B |
Balance Sheet | ||||||
| Total Assets | 4.32T | 4.31T | 4.29T | 4.16T | 4.00T | 4.19T |
| Cash, Cash Equivalents and Short-Term Investments | 898.56B | 807.58B | 872.38B | 896.18B | 1.11T | 1.20T |
| Total Debt | 656.22B | 690.10B | 523.51B | 572.89B | 448.32B | 647.87B |
| Total Liabilities | 4.17T | 4.16T | 4.15T | 4.02T | 3.87T | 4.05T |
| Stockholders Equity | 142.59B | 152.89B | 136.38B | 135.74B | 123.12B | 133.00B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 28.38B | 20.68B | -8.10B | -260.25B | 185.70B |
| Operating Cash Flow | 0.00 | 29.42B | 112.07B | -6.28B | -258.76B | 186.54B |
| Investing Cash Flow | 0.00 | -100.81B | -133.39B | -241.33B | 168.91B | 111.20B |
| Financing Cash Flow | 0.00 | 146.00M | -2.36B | 40.18B | -2.53B | -1.76B |
Fukui Bank, Ltd. Technical Analysis
Positive
2745.00
Price Trends
4579.50
Positive
3924.69
Positive
3083.07
Positive
Market Momentum
167.88
Positive
62.25
Neutral
54.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8362, the sentiment is Positive. The current price of 2745 is below the 20-day moving average (MA) of 5297.25, below the 50-day MA of 4579.50, and below the 200-day MA of 3083.07, indicating a bullish trend. The MACD of 167.88 indicates Positive momentum. The RSI at 62.25 is Neutral, neither overbought nor oversold. The STOCH value of 54.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8362.
Fukui Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥80.21B | 11.12 | ― | 2.34% | 3.68% | 26.05% | |
71 Outperform | ¥121.67B | 15.70 | ― | 3.35% | 26.63% | 35.24% | |
71 Outperform | ¥120.93B | 7.04 | ― | 3.05% | 24.77% | 156.11% | |
70 Outperform | ¥127.39B | 14.96 | ― | 2.49% | 12.95% | 16.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥103.46B | 16.19 | ― | 2.89% | 23.58% | 50.21% | |
65 Neutral | ¥86.52B | 10.27 | ― | 2.29% | 11.72% | 14.29% |
* Financial Sector Average
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Fukui Bank, Ltd. Corporate Events
Fukui Bank Reorganizes Board and Executive Roles Across Group Companies
May 15, 2026
Fukui Bank, Ltd. has announced planned changes to its board and executive lineup, centered on the reappointment of its existing directors, including Board Chair Masahiro Hayashi and President Eiichi Hasegawa, with no new director candidates propos...
Fukui Bank Finalizes Comprehensive Medium-Term Management Plan II and Updates Sustainability Policy
May 15, 2026
The Fukui Bank, Ltd. has finalized a comprehensive version of its Medium-Term Management Plan II, integrating specific tactics and detailed financial and capital policies following the full-year results for the fiscal year ended March 31, 2026. Th...
Fukui Bank Delivers Strong FY2026 Earnings and Sharp Dividend Hike
May 15, 2026
Fukui Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 22.8% to ¥79.1 billion and ordinary profit jumping 54.3% to ¥13.4 billion. Profit attributable to owners increased 20% ...
Fukui Bank Completes Merger with Fukuho Bank to Strengthen Regional Focus
May 7, 2026
The Fukui Bank, Ltd., a regional lender listed on the Tokyo Stock Exchange Prime Market, serves customers in Fukui Prefecture with a range of banking and financial services tailored to local businesses and communities. The bank positions itself as...
Fukui Bank Reports ¥6.46 Billion Unrealized Loss on Held-to-Maturity Securities
Apr 28, 2026
Fukui Bank has disclosed unrealized losses of ¥6,460 million on its held-to-maturity debt securities portfolio as of March 31, 2026, based on market values that can be reasonably calculated. The book value of the relevant securities was ¥...
Fukui Bank Lifts Profit Outlook and Nearly Doubles Annual Dividend
Apr 28, 2026
The Fukui Bank, Ltd. sharply raised its full-year earnings outlook for the fiscal year ending March 31, 2026, projecting consolidated ordinary income of ¥13.4 billion and net income attributable to owners of parent of ¥8.6 billion, well ...
Fukui Bank and Fukuho Bank Secure Approval for Merger to Form Enlarged Regional Lender
Apr 27, 2026
The Fukui Bank, Ltd. and THE FUKUHO BANK, LTD. have received regulatory approval to merge, consolidating their operations under the Fukui Bank name effective May 2, 2026. The combined institution will operate from Fukui Bank’s existing head ...
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.