Want to see JP:8367 full AI Analyst Report?
Top Page
Nanto Bank Ltd.
(8367)
Select Model
Select Model
Rating:57Neutral
Price Target:
¥1,818.00
▼(-64.21% 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
Sustained revenue growth
Nanto Bank has posted multi-year revenue expansion through 2024–2026, indicating improving core banking activity and stronger interest/fee income. Consistent top-line momentum supports capacity to absorb shocks, fund investments, and sustain medium-term earnings improvements.
Negative Factors
Volatile cash generation
Cash flow history shows large swings, including a sharp 2023 drawdown, which undermines confidence in earnings quality and predictability. For a regional bank, such volatility raises funding and liquidity planning risks and complicates dividend and capital allocation decisions over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth
Nanto Bank has posted multi-year revenue expansion through 2024–2026, indicating improving core banking activity and stronger interest/fee income. Consistent top-line momentum supports capacity to absorb shocks, fund investments, and sustain medium-term earnings improvements.
Read all positive factors
Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥283.21B
Dividend Yield2.5%
Average Volume (3M)85.87K
Price to Earnings (P/E)14.9
Beta (1Y)1.18
Revenue Growth12.74%
EPS Growth38.29%
CountryJP
Employees2,352
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)108.63
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 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 109.12B | 98.01B | 82.86B | 65.88B | 73.34B |
| Gross Profit | 93.11B | 83.75B | 74.95B | 60.71B | 70.41B |
| EBITDA | 29.06B | 23.78B | 20.13B | 9.73B | 21.21B |
| Net Income | 17.06B | 13.51B | 12.04B | 4.73B | 11.87B |
Balance Sheet | |||||
| Total Assets | 6.68T | 6.85T | 6.79T | 6.54T | 7.00T |
| Cash, Cash Equivalents and Short-Term Investments | 449.69B | 678.27B | 963.53B | 1.09T | 1.50T |
| Total Debt | 360.30B | 606.02B | 952.83B | 554.25B | 1.01T |
| Total Liabilities | 6.38T | 6.58T | 6.49T | 6.28T | 6.71T |
| Stockholders Equity | 300.12B | 277.80B | 298.63B | 262.80B | 286.47B |
Cash Flow | |||||
| Free Cash Flow | 6.54B | 23.64B | 6.52B | -520.15B | 364.62B |
| Operating Cash Flow | 10.94B | 33.76B | 9.61B | -513.86B | 367.58B |
| Investing Cash Flow | -47.25B | -111.62B | -91.87B | 108.36B | -59.37B |
| Financing Cash Flow | -207.80B | -5.45B | -3.59B | -5.17B | -2.76B |
Nanto Bank Ltd. Technical Analysis
Negative
5080.00
Price Trends
1783.28
Negative
1645.21
Positive
1414.66
Positive
Market Momentum
42.17
Negative
62.80
Neutral
94.36
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8367, the sentiment is Negative. The current price of 5080 is above the 20-day moving average (MA) of 1852.95, above the 50-day MA of 1783.28, and above the 200-day MA of 1414.66, indicating a neutral trend. The MACD of 42.17 indicates Negative momentum. The RSI at 62.80 is Neutral, neither overbought nor oversold. The STOCH value of 94.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥300.31B | 13.80 | 8.89% | 3.81% | 17.66% | 24.54% | |
70 Outperform | ¥296.15B | 15.47 | ― | 2.27% | 33.67% | 31.83% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
66 Neutral | ¥324.48B | 17.14 | ― | 2.55% | 18.30% | 38.07% | |
66 Neutral | ¥323.41B | 18.51 | ― | 2.53% | 23.28% | 40.80% | |
57 Neutral | ¥283.21B | 14.89 | ― | 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
Nanto Bank Ltd.
1,720.00
847.83
97.21%
JP:8370
Kiyo Bank
4,690.00
2,036.72
76.76%
JP:8361
Ogaki Kyoritsu Bank, Ltd.
7,210.00
4,358.25
152.83%
JP:8386
Hyakujushi Bank, Ltd.
2,846.00
1,679.34
143.94%
JP:8388
Awa Bank, Ltd.
8,340.00
5,253.59
170.22%
JP:8544
Keiyo Bank, Ltd.
2,650.00
1,549.89
140.89%
Nanto Bank Ltd. Corporate Events
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 ...
Nanto Bank Raises ROE and Dividend Targets in Corrected Medium-Term Plan
May 20, 2026
The Nanto Bank, Ltd. has issued a correction to previously released reference materials related to its medium-term management plan, identifying errors in reported figures for return on equity, dividend per share, and total dividends. The revised d...
Nanto Bank Posts Double-Digit Rise in Ordinary Income on Higher Interest Earnings
May 8, 2026
The Nanto Bank, Ltd. reported a strong year-on-year rise in ordinary income for the fiscal year ended March 31, 2026, reflecting robust core banking performance. Consolidated ordinary income increased from ¥103,085 million to ¥115,665 mi...
Nanto Bank Raises Year-End Dividend on Stronger Earnings
May 8, 2026
The Nanto Bank, Ltd. announced that its board has approved a proposal to increase the year-end dividend for the fiscal year ended March 31, 2026, to 120 yen per share, up from the previously forecast 110 yen, reflecting stronger-than-expected net ...
Nanto Bank Sharply Raises Profitability Targets in Medium-Term Plan
May 8, 2026
The Nanto Bank has revised key performance targets in its medium-term management plan, “Creating Regional Vitality Through Human Capital,” which covers the period from April 2025 through March 2028. The plan reflects the bank’s s...
Nanto Bank posts double-digit profit growth and hikes dividend ahead of stock split
May 8, 2026
Nanto Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 12.2% to ¥115.7 billion and ordinary profit up 26.1% to ¥24.8 billion. Profit attributable to owners of the parent clim...
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.