Nanto Bank Ltd. (JP:8367)
:8367
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Nanto Bank Ltd.
(8367)
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Rating:65Neutral
Price Target:
¥1,678.00
▼(-66.97% Downside)
Action:ReiteratedDate:02/07/26
Overall score reflects mixed financial performance led by improved cash generation and stable profitability, but constrained by high leverage and modest ROE. Technicals are supportive due to a strong uptrend, though overbought signals add near-term risk. Valuation is reasonable with a solid dividend yield.
Positive Factors
Improving free cash flow
The firm reported a marked turnaround in free cash flow (growth described as 'Infinity' from a negative base) and FCF to net income of 0.70. Sustained cash generation strengthens internal funding for lending, dividends and reserves, reducing reliance on external financing over the medium term.
Negative Factors
High leverage
A debt-to-equity ratio of 2.18 signals elevated leverage for a regional bank. Higher indebtedness increases sensitivity to rising funding costs, constrains capital flexibility for lending or reserves, and raises the risk profile if credit conditions or interest rates deteriorate over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving free cash flow
The firm reported a marked turnaround in free cash flow (growth described as 'Infinity' from a negative base) and FCF to net income of 0.70. Sustained cash generation strengthens internal funding for lending, dividends and reserves, reducing reliance on external financing over the medium term.
Read all positive factors
Nanto Bank Ltd. (8367) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥249.62B
Dividend Yield3.46%
Average Volume (3M)85.87K
Price to Earnings (P/E)8.2
Beta (1Y)1.22
Revenue Growth9.73%
EPS Growth15.55%
CountryJP
Employees2,336
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)36.35
Shares Outstanding165,128,280
10 Day Avg. Volume94,380
30 Day Avg. Volume85,873
Financial Highlights & Ratios
PEG Ratio0.70
Price to Book (P/B)0.45
Price to Sales (P/S)1.27
P/FCF Ratio5.26
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
The Nanto Bank, Ltd., together with its subsidiaries, engages in banking, securities, leasing, and credit guarantee businesses in Japan. Its banking services include the acceptance of deposits, lending services, bills discounting, and remittance; ...
How the Company Makes Money
Nanto Bank primarily earns money through (1) net interest income—the spread between interest earned on loans and other interest-bearing assets and interest paid on deposits and other funding. This is generally driven by its loan portfolio (e.g., c...
Nanto Bank Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
55
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.19B | 98.01B | 82.86B | 65.88B | 73.34B | 72.41B |
| Gross Profit | 87.38B | 83.75B | 74.95B | 60.71B | 70.41B | 68.53B |
| EBITDA | 18.50B | 23.78B | 20.13B | 9.73B | 21.21B | 18.93B |
| Net Income | 13.12B | 13.51B | 12.04B | 4.73B | 11.87B | 10.86B |
Balance Sheet | ||||||
| Total Assets | 6.78T | 6.85T | 6.79T | 6.54T | 7.00T | 6.56T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 678.27B | 963.53B | 1.09T | 1.50T | 1.19T |
| Total Debt | 481.44B | 606.02B | 952.83B | 554.25B | 1.01T | 776.51B |
| Total Liabilities | 6.49T | 6.58T | 6.49T | 6.28T | 6.71T | 6.27T |
| Stockholders Equity | 289.17B | 277.80B | 298.63B | 262.80B | 286.47B | 293.44B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 23.64B | 6.52B | -520.15B | 364.62B | 530.23B |
| Operating Cash Flow | 0.00 | 33.76B | 9.61B | -513.86B | 367.58B | 532.08B |
| Investing Cash Flow | 0.00 | -111.62B | -91.87B | 108.36B | -59.37B | -32.47B |
| Financing Cash Flow | 0.00 | -5.45B | -3.59B | -5.17B | -2.76B | -2.61B |
Nanto Bank Ltd. Technical Analysis
Positive
5080.00
Price Trends
1455.56
Positive
1324.31
Positive
1128.83
Positive
Market Momentum
38.30
Negative
61.06
Neutral
73.66
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 1490.64, above the 50-day MA of 1455.56, and above the 200-day MA of 1128.83, indicating a bullish trend. The MACD of 38.30 indicates Negative momentum. The RSI at 61.06 is Neutral, neither overbought nor oversold. The STOCH value of 73.66 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥256.66B | 14.45 | ― | 2.13% | 11.80% | -4.44% | |
71 Outperform | ¥271.82B | 8.21 | 7.61% | 3.81% | 23.47% | 33.13% | |
68 Neutral | ¥300.11B | 9.68 | ― | 2.27% | 18.50% | 80.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥249.62B | 8.20 | ― | 3.46% | 9.73% | 15.55% | |
65 Neutral | ¥251.67B | 10.90 | ― | 2.53% | 11.64% | 28.24% | |
59 Neutral | ¥277.40B | 10.68 | ― | 2.55% | 8.16% | 35.67% |
* Financial Sector Average
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Nanto Bank Ltd. Corporate Events
Nanto Bank Lifts Earnings and Dividend Forecasts on Stronger Interest Income
Mar 25, 2026
The Nanto Bank has revised upward its full-year earnings forecast for the fiscal year ending March 31, 2026, citing stronger-than-expected net interest income driven mainly by higher interest on loans and discounts. Consolidated ordinary profit is...
Nanto Bank Overhauls Leadership to Strengthen Governance and Regional Growth Strategy
Feb 27, 2026
The Nanto Bank, Ltd. announced a series of leadership changes in directors and executive officers as part of its efforts to advance regional development and foster human resources under its Medium-Term Management Plan launched in April 2025. The b...
Nanto Bank Strengthens Capital Adequacy as Risk-Weighted Assets Decline
Feb 16, 2026
The Nanto Bank reported an improvement in its consolidated capital adequacy ratio to 12.15% as of December 31, 2025, up from 11.63% at the end of September, driven by an increase in capital to ¥293 billion and a reduction in total risk-weight...
Nanto Bank Lifts Nine-Month Profit and Plans Higher Dividend on Strong Capital Position
Feb 3, 2026
Nanto Bank reported solid growth for the nine months ended December 31, 2025, with ordinary income rising 12.5% year-on-year to ¥84.94 billion and ordinary profit up 14.2% to ¥18.97 billion. Profit attributable to owners of the parent cl...
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.