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Nanto Bank Ltd.
(8367)
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Rating:57Neutral
Price Target:
¥1,938.00
▼(-61.85% Downside)
Action:Reiterated
Date:07/30/26
The score is primarily held back by financial stability factors—especially volatile cash flow and inconsistent leverage—despite improving revenue and profitability versus 2023. Technically, the stock shows short-term weakness (below 20/50 DMA) even though the longer-term trend remains positive (above 100/200 DMA). Valuation is broadly reasonable with a moderate dividend yield, but not strong enough to offset the financial-risk signals.
Positive Factors
Improving Revenue Growth
Sustained revenue expansion indicates improving demand for Nanto Bank’s lending and financial services across its regional customer base. If maintained, broader business activity can support recurring interest income and fee generation over the coming quarters.
Negative Factors
Elevated and Inconsistent Leverage
Variable leverage reduces balance-sheet predictability and can heighten sensitivity to funding costs, credit losses and asset-value changes. This may constrain strategic flexibility and make future earnings less resilient through changing financial conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Revenue Growth
Sustained revenue expansion indicates improving demand for Nanto Bank’s lending and financial services across its regional customer base. If maintained, broader business activity can support recurring interest income and fee generation over the coming quarters.
Read all positive factors
Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥303.30B
Dividend Yield2.31%
Average Volume (3M)85.87K
Price to Earnings (P/E)16.1
Beta (1Y)1.31
Revenue Growth12.74%
EPS Growth38.29%
CountryJP
Employees2,352
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)115.52
Shares Outstanding165,128,280
10 Day Avg. Volume94,380
30 Day Avg. Volume85,873
Financial Highlights & Ratios
PEG Ratio0.49
Price to Book (P/B)0.74
Price to Sales (P/S)2.03
P/FCF Ratio33.85
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
Nanto Bank Ltd. Business Overview & Revenue Model
Company Description
Headquartered in Nara, Japan, and established in 1934, The Nanto Bank, Ltd. operates a diverse portfolio of financial and related businesses, including banking, securities, leasing, and credit guarantees. The institution's core banking activities ...
How the Company Makes Money
Nanto Bank primarily earns money through interest-based banking activities and fee-based financial services. The largest and most typical profit driver for a regional bank is net interest income: the bank collects interest on loans (e.g., corporat...
Nanto Bank Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 114.40B | 109.12B | 98.01B | 82.86B | 65.88B | 73.34B |
| Gross Profit | 96.78B | 93.11B | 83.75B | 74.95B | 60.71B | 70.41B |
| EBITDA | 25.54B | 29.06B | 23.78B | 20.13B | 9.73B | 21.21B |
| Net Income | 18.14B | 17.06B | 13.51B | 12.04B | 4.73B | 11.87B |
Balance Sheet | ||||||
| Total Assets | 6.93T | 6.68T | 6.85T | 6.79T | 6.54T | 7.00T |
| Cash, Cash Equivalents and Short-Term Investments | 637.36B | 449.69B | 678.27B | 963.53B | 1.09T | 1.50T |
| Total Debt | 387.77B | 360.30B | 606.02B | 952.83B | 554.25B | 1.01T |
| Total Liabilities | 6.63T | 6.38T | 6.58T | 6.49T | 6.28T | 6.71T |
| Stockholders Equity | 305.76B | 300.12B | 277.80B | 298.63B | 262.80B | 286.47B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.54B | 23.64B | 6.52B | -520.15B | 364.62B |
| Operating Cash Flow | 0.00 | 10.94B | 33.76B | 9.61B | -513.86B | 367.58B |
| Investing Cash Flow | 0.00 | -47.25B | -111.62B | -91.87B | 108.36B | -59.37B |
| Financing Cash Flow | 0.00 | -207.80B | -5.45B | -3.59B | -5.17B | -2.76B |
Nanto Bank Ltd. Technical Analysis
Positive
5080.00
Price Trends
1827.90
Positive
1714.76
Positive
1485.11
Positive
Market Momentum
17.37
Positive
51.57
Neutral
26.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8367, the sentiment is Positive. The current price of 5080 is above the 20-day moving average (MA) of 1835.60, above the 50-day MA of 1827.90, and above the 200-day MA of 1485.11, indicating a bullish trend. The MACD of 17.37 indicates Positive momentum. The RSI at 51.57 is Neutral, neither overbought nor oversold. The STOCH value of 26.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8367.
Nanto Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥346.29B | 21.38 | ― | 2.53% | 23.28% | 40.80% | |
69 Neutral | ¥334.52B | 16.65 | ― | 2.55% | 22.23% | 45.07% | |
67 Neutral | ¥317.10B | 15.31 | ― | 2.27% | 39.26% | 34.23% | |
66 Neutral | ¥310.56B | 13.72 | 8.89% | 3.81% | 19.56% | 13.61% | |
62 Neutral | ¥307.06B | 17.82 | ― | 2.13% | 19.41% | 60.52% | |
57 Neutral | ¥303.30B | 16.12 | ― | 3.46% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8367
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Nanto Bank Ltd. Corporate Events
Nanto Bank Keeps Capital Ratios Steady While Tweaking Securities Portfolio
Aug 12, 2026
The Nanto Bank reported a consolidated capital adequacy ratio of 12.81 percent as of June 30, 2026, effectively unchanged from 12.82 percent at the end of March, with capital rising to ¥298 billion and total risk-weighted assets increasing to...
Nanto Bank lifts quarterly profit and keeps full-year earnings guidance intact
Jul 28, 2026
Nanto Bank reported a strong first quarter for the three months ended June 30, 2026, with ordinary income rising 21.7% year on year to ¥34.0 billion and ordinary profit up 15.9% to ¥6.5 billion. Profit attributable to owners of the paren...
Nanto Bank Books Provisions After Counterparty ZENTOSHIN Enters Bankruptcy
Jul 10, 2026
The Nanto Bank, Ltd. has disclosed that ZENTOSHIN Co., Ltd., a credit card payment processing company and its transaction counterparty, was ordered into bankruptcy proceedings by the Osaka District Court on July 6, 2026. ZENTOSHIN, which operates ...
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.