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Nanto Bank Ltd. (JP:8367)
:8367
Japanese Market
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Nanto Bank Ltd. (8367) AI Stock Analysis

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JP:8367

Nanto Bank Ltd.

(8367)

Rating:69Neutral
Price Target:
¥5,475.00
▲(10.16% Upside)
Nanto Bank Ltd. receives a score of 69, driven by strong technical indicators and a fair valuation. However, financial performance is mixed due to high leverage and modest returns, which are potential risks.

Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)

Nanto Bank Ltd. Business Overview & Revenue Model

Company DescriptionNanto Bank Ltd. (8367) is a regional financial institution based in Japan, primarily serving the Gifu and Aichi prefectures. The bank offers a range of financial products and services, including personal and business banking, loans, deposits, investment services, and asset management. Nanto Bank focuses on supporting local communities and businesses, providing tailored financial solutions to meet the needs of its clientele.
How the Company Makes MoneyNanto Bank generates revenue through various channels, primarily by earning interest on loans provided to individual and corporate customers. The bank offers personal loans, mortgages, and business loans, which are significant contributors to its interest income. Additional revenue streams include fees from account maintenance, transaction fees, and advisory services related to asset management and investment products. The bank also earns income from securities and investment activities. Partnerships with local businesses and organizations enhance its customer base and facilitate cross-selling opportunities, further contributing to its financial performance.

Nanto Bank Ltd. Financial Statement Overview

Summary
Nanto Bank Ltd. demonstrates a mixed financial performance. Positive revenue growth and improved cash flow are offset by high leverage and modest return on equity, indicating potential risks.
Income Statement
65
Positive
Nanto Bank Ltd. has shown a positive revenue growth rate of 1.163% in the latest year, indicating a recovery from previous declines. The net profit margin of 13.88% is healthy, although it has decreased from the previous year. The EBIT margin is stable at 17.58%, reflecting efficient cost management. However, the decline in EBITDA margin suggests potential pressure on operational efficiency.
Balance Sheet
55
Neutral
The debt-to-equity ratio of 2.18 indicates a high level of leverage, which could pose risks if interest rates rise. Return on equity is modest at 4.86%, showing room for improvement in generating returns for shareholders. The equity ratio is not provided, but the high debt levels suggest a need for careful financial management.
Cash Flow
70
Positive
The company has shown significant improvement in free cash flow, with a growth rate labeled as 'Infinity' due to a previous negative base. The operating cash flow to net income ratio is positive, indicating good cash generation relative to earnings. However, the free cash flow to net income ratio of 0.70 suggests that not all earnings are translating into free cash flow.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue91.91B91.91B70.19B64.42B64.90B70.08B
Gross Profit91.91B91.91B62.33B60.68B64.00B70.08B
EBITDA13.91B17.11B20.13B9.73B21.21B18.93B
Net Income13.51B13.51B12.04B4.73B11.87B10.86B
Balance Sheet
Total Assets6.85T6.85T6.79T6.54T7.00T6.56T
Cash, Cash Equivalents and Short-Term Investments678.27B678.27B963.53B1.09T1.50T1.19T
Total Debt606.02B606.02B612.90B500.31B891.53B632.97B
Total Liabilities6.58T6.58T6.49T6.28T6.71T6.27T
Stockholders Equity277.80B277.80B298.63B262.80B286.47B293.44B
Cash Flow
Free Cash Flow0.0023.64B6.52B-520.15B364.62B530.23B
Operating Cash Flow0.0033.76B-26.10B-513.86B367.58B532.08B
Investing Cash Flow0.00-111.62B-91.87B108.36B-59.37B-32.47B
Financing Cash Flow0.0091.94B-3.59B-5.17B-2.76B-2.61B

Nanto Bank Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4970.00
Price Trends
50DMA
4534.80
Positive
100DMA
4192.35
Positive
200DMA
3755.45
Positive
Market Momentum
MACD
126.96
Positive
RSI
59.90
Neutral
STOCH
53.52
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 4970 is above the 20-day moving average (MA) of 4819.00, above the 50-day MA of 4534.80, and above the 200-day MA of 3755.45, indicating a bullish trend. The MACD of 126.96 indicates Positive momentum. The RSI at 59.90 is Neutral, neither overbought nor oversold. The STOCH value of 53.52 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
¥146.50B12.92
2.40%6.37%-11.55%
71
Outperform
¥140.34B10.14
2.24%-6.76%34.71%
70
Outperform
¥143.70B18.16
3.42%1.98%-10.03%
70
Outperform
¥134.56B10.85
2.59%3.78%1.63%
69
Neutral
¥161.79B11.90
3.32%15.80%1.72%
69
Neutral
¥137.87B12.28
1.92%-4.66%144.51%
68
Neutral
$17.90B11.8610.29%3.72%9.74%1.66%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8367
Nanto Bank Ltd.
4,970.00
1,860.91
59.85%
JP:7381
Hokkoku Financial Holdings,Inc.
6,240.00
1,433.53
29.83%
JP:7389
Aichi Financial Group, Inc.
2,956.00
557.46
23.24%
JP:8386
Hyakujushi Bank, Ltd.
4,915.00
2,300.88
88.02%
JP:8388
Awa Bank, Ltd.
3,470.00
958.12
38.14%
JP:8544
Keiyo Bank, Ltd.
1,206.00
461.74
62.04%

Nanto Bank Ltd. Corporate Events

Nanto Bank Reports Strong Financial Growth for 2024
Feb 4, 2025

Nanto Bank Ltd. reported a significant increase in its consolidated financial results for the nine months ending December 31, 2024, with ordinary revenues rising by 17.7% and ordinary profit by 33.4% compared to the previous year. Despite a slight decrease in the capital adequacy ratio, the bank’s forecast for the fiscal year ending March 31, 2025, indicates continued growth in ordinary profit and profit attributable to owners, highlighting a robust financial performance that strengthens its market position.

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.Date of analysis: Aug 29, 2025