Fukui Bank, Ltd. (JP:8362)
:8362
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Fukui Bank, Ltd.
(8362)
Select Model
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Rating:71Outperform
Price Target:
¥3,472.00
▲(26.48% Upside)
Action:UpgradedDate:03/05/26
The score is driven primarily by improved profitability and solid cash generation, tempered by high leverage and negative revenue growth. Technicals are mixed with short-term weakness but a constructive longer-term trend. Valuation is a clear positive due to the low P/E and supportive dividend yield.
Positive Factors
Improved profitability and margins
Net profit margin of 11.78% and an EBIT margin of 12.51% show the bank has materially improved core profitability. Sustained margins enhance internal capital generation and provide buffer against credit losses, supporting durable earnings power over the medium term.
Negative Factors
High leverage and low equity ratio
A debt-to-equity ratio above 5x and a low equity ratio imply significant leverage exposure. This constrains capital flexibility, raises sensitivity to interest rate and credit shocks, and limits capacity to absorb loan losses or pursue growth without raising equity or reducing dividends.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability and margins
Net profit margin of 11.78% and an EBIT margin of 12.51% show the bank has materially improved core profitability. Sustained margins enhance internal capital generation and provide buffer against credit losses, supporting durable earnings power over the medium term.
Read all positive factors
Fukui Bank, Ltd. (8362) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥80.44B
Dividend Yield2.49%
Average Volume (3M)47.96K
Price to Earnings (P/E)5.2
Beta (1Y)1.00
Revenue Growth7.08%
EPS Growth-46.44%
CountryJP
Employees1,770
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)125.72
Shares Outstanding24,144,669
10 Day Avg. Volume37,710
30 Day Avg. Volume47,963
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.31
Price to Sales (P/S)0.71
P/FCF Ratio2.02
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., together with its subsidiaries, provides various banking products and services. It operates through Banking and Leasing segments. The Banking segment offers deposits; lending services; credit cards; and domestic and foreign e...
How the Company Makes Money
Fukui Bank generates revenue primarily through the interest income from its lending activities, which includes personal loans, mortgages, and business loans to SMEs. The bank charges interest on these loans, which constitutes a significant portion...
Fukui Bank, Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
60
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 61.55B | 59.05B | 51.73B | 51.27B | 42.73B | 39.11B |
| Gross Profit | 61.55B | 56.12B | 50.94B | 50.15B | 42.65B | 38.86B |
| EBITDA | 6.39B | 10.43B | 7.04B | 2.05B | 4.63B | 5.42B |
| Net Income | 5.99B | 7.17B | 3.72B | 1.80B | 4.44B | 2.55B |
Balance Sheet | ||||||
| Total Assets | 4.32T | 4.29T | 4.16T | 4.00T | 4.19T | 3.51T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 872.38B | 896.18B | 1.11T | 1.20T | 903.66B |
| Total Debt | 656.22B | 523.51B | 572.89B | 448.32B | 647.87B | 475.89B |
| Total Liabilities | 4.17T | 4.15T | 4.02T | 3.87T | 4.05T | 3.38T |
| Stockholders Equity | 142.59B | 136.38B | 135.74B | 123.12B | 133.00B | 136.61B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.68B | -8.10B | -260.25B | 185.70B | 479.27B |
| Operating Cash Flow | 0.00 | 112.07B | -6.28B | -258.76B | 186.54B | 483.85B |
| Investing Cash Flow | 0.00 | -133.39B | -241.33B | 168.91B | 111.20B | -53.77B |
| Financing Cash Flow | 0.00 | -2.36B | 40.18B | -2.53B | -1.76B | -976.00M |
Fukui Bank, Ltd. Technical Analysis
Positive
2745.00
Price Trends
3231.68
Positive
2835.59
Positive
2384.56
Positive
Market Momentum
47.07
Negative
55.25
Neutral
80.54
Negative
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 3341.25, below the 50-day MA of 3231.68, and above the 200-day MA of 2384.56, indicating a bullish trend. The MACD of 47.07 indicates Negative momentum. The RSI at 55.25 is Neutral, neither overbought nor oversold. The STOCH value of 80.54 is Negative, 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 | ¥98.20B | 1.54 | ― | 3.05% | 8.75% | -12.68% | |
71 Outperform | ¥80.44B | 5.15 | ― | 2.49% | 7.08% | -46.44% | |
69 Neutral | ¥64.08B | 6.31 | ― | 2.34% | -0.97% | 27.62% | |
68 Neutral | ¥76.80B | 10.96 | ― | 2.89% | -0.24% | 95.49% | |
68 Neutral | ¥81.80B | 7.94 | ― | 2.29% | 7.97% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | ¥92.15B | 7.75 | ― | 3.35% | 15.96% | 81.27% |
* Financial Sector Average
JP:8362
Fukui Bank, Ltd.
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Fukui Bank, Ltd. Corporate Events
Fukui Bank Group Reports Stable Capital Adequacy Ratios at Year-End 2025
Feb 10, 2026
The Fukui Bank group reported largely stable capital adequacy ratios as of December 31, 2025, with the consolidated ratio edging up to 8.08% from 8.05% three months earlier as total capital increased to ¥138.4 billion alongside a rise in risk...
Fukui Bank Reports ¥5.7 Billion Unrealized Loss on Securities With No Change to Earnings Outlook
Feb 3, 2026
Fukui Bank has disclosed that, as of the end of the third quarter of the fiscal year ending March 31, 2026, it is carrying unrealized losses of ¥5.73 billion on its held-to-maturity debt securities, based on a book value of ¥298.5 billio...
Fukui Bank Lifts Profit and Dividend Outlook Despite Dip in Nine-Month Net Earnings
Feb 3, 2026
For the nine months ended December 31, 2025, Fukui Bank reported consolidated ordinary income of ¥56.6 billion, up 17.6% year on year, with ordinary profit rising 32.3% to ¥9.2 billion, while profit attributable to owners of parent slipp...
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.