Hyakugo Bank Ltd (JP:8368)
:8368
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Hyakugo Bank
(8368)
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Rating:72Outperform
Price Target:
¥2,213.00
▲(137.70% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by improving financial performance (notably the 2026 revenue and earnings step-up) and strong bullish technicals (price above key moving averages with positive MACD). The main constraints are cash-flow volatility in prior years and still-elevated leverage, while valuation is reasonable but not especially compelling.
Positive Factors
Revenue and profit momentum
A large 2026 revenue jump (+29.6%) and higher net income (¥26.8B) reflect meaningful improvement in core lending and fee performance. Sustained higher top-line and improved net margin (~16.7%) strengthen earnings power, supporting reinvestment, loan capacity and reserve building over the medium term.
Negative Factors
Elevated absolute debt
Despite a lower D/E ratio, a high absolute debt stock (¥654.5B) leaves interest expense and refinancing exposure material. In an economic downturn or rising rate environment this can strain net interest margin and capital, limiting flexibility to expand lending or absorb credit losses over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit momentum
A large 2026 revenue jump (+29.6%) and higher net income (¥26.8B) reflect meaningful improvement in core lending and fee performance. Sustained higher top-line and improved net margin (~16.7%) strengthen earnings power, supporting reinvestment, loan capacity and reserve building over the medium term.
Read all positive factors
Hyakugo Bank (8368) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥495.25B
Dividend Yield2.19%
Average Volume (3M)656.97K
Price to Earnings (P/E)13.6
Beta (1Y)1.31
Revenue Growth16.41%
EPS Growth51.17%
CountryJP
Employees2,792
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)66.67
Shares Outstanding254,119,000
10 Day Avg. Volume730,990
30 Day Avg. Volume656,973
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.71
Price to Sales (P/S)2.28
P/FCF Ratio9.46
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
Hyakugo Bank Business Overview & Revenue Model
Company Description
Hyakugo Bank (8368) is a regional bank based in Japan, primarily serving the Gifu and Mie Prefectures. The bank offers a wide range of financial services, including commercial banking, retail banking, and asset management. Its core products includ...
How the Company Makes Money
Hyakugo Bank primarily earns revenue through (1) net interest income: interest received on loans to corporate and retail customers and on securities/other interest-bearing assets, minus interest paid on customer deposits and other funding. A key d...
Hyakugo Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 123.88B | 160.51B | 123.19B | 117.73B | 101.05B | 96.29B |
| Gross Profit | 106.93B | 133.53B | 104.41B | 102.01B | 90.96B | 89.77B |
| EBITDA | 23.28B | 40.91B | 29.30B | 23.64B | 24.39B | 23.16B |
| Net Income | 16.44B | 26.84B | 18.04B | 14.28B | 14.49B | 13.40B |
Balance Sheet | ||||||
| Total Assets | 7.66T | 7.63T | 7.43T | 8.10T | 7.52T | 7.75T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 659.38B | 665.53B | 1.41T | 1.35T | 1.87T |
| Total Debt | 770.86B | 654.55B | 703.60B | 1.37T | 1.45T | 2.17T |
| Total Liabilities | 7.22T | 7.11T | 7.00T | 7.60T | 7.13T | 7.35T |
| Stockholders Equity | 446.07B | 516.65B | 435.45B | 496.92B | 392.03B | 401.85B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 38.68B | 34.40B | -28.86B | -559.28B | 53.00B |
| Operating Cash Flow | 0.00 | 41.15B | 38.59B | -25.44B | -556.45B | 55.95B |
| Investing Cash Flow | 0.00 | -112.25B | -29.01B | -18.11B | 38.60B | 249.80B |
| Financing Cash Flow | 0.00 | 63.86B | 74.75B | 138.16B | -2.91B | -2.82B |
Hyakugo Bank Technical Analysis
Positive
931.00
Price Trends
1679.14
Positive
1514.98
Positive
1200.08
Positive
Market Momentum
69.40
Negative
62.73
Neutral
74.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8368, the sentiment is Positive. The current price of 931 is below the 20-day moving average (MA) of 1828.75, below the 50-day MA of 1679.14, and below the 200-day MA of 1200.08, indicating a bullish trend. The MACD of 69.40 indicates Negative momentum. The RSI at 62.73 is Neutral, neither overbought nor oversold. The STOCH value of 74.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8368.
Hyakugo Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥495.25B | 13.64 | 3.95% | 2.19% | 16.41% | 51.17% | |
72 Outperform | ¥398.20B | 10.03 | 8.52% | 2.12% | 11.88% | 85.95% | |
72 Outperform | ¥365.74B | 13.74 | ― | 3.01% | 25.56% | 26.08% | |
71 Outperform | ¥362.19B | 11.59 | ― | 2.94% | 14.34% | 213.31% | |
70 Outperform | ¥282.07B | 11.25 | 7.61% | 3.81% | 17.66% | 24.57% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥472.67B | 20.19 | ― | 1.50% | 18.76% | 15.43% |
* Financial Sector Average
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Hyakugo Bank Corporate Events
Hyakugo Bank Lifts Medium-Term Profit and Sustainable Finance Targets
May 12, 2026
Hyakugo Bank has raised the financial targets in its medium-term management plan “KAI-KAKU 150 FINAL STAGE ―Challenge for the Future,” which runs from April 2025 to March 2029, after early progress and a favorable interest-rate e...
Hyakugo Bank Launches ¥2.5 Billion Share Buyback to Bolster Capital Flexibility
May 12, 2026
Hyakugo Bank’s board has approved a share buyback program to acquire up to 2 million common shares, representing about 0.82% of its outstanding stock, via market purchases on the Tokyo Stock Exchange between May 13 and September 30, 2026. Th...
Hyakugo Bank Sharpens Shareholder Returns With Higher Dividend Payout
May 12, 2026
The Hyakugo Bank’s board has approved a year-end dividend of 21 yen per share for the fiscal year ended March 31, 2026, up from 12 yen in the previous year, bringing the annual dividend to 34 yen. This proposal, to be put to shareholders in ...
Hyakugo Bank Posts Strong FY2026 Earnings and Hikes Dividend
May 12, 2026
Hyakugo Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 30.4% year on year to ¥162.4 billion and ordinary profit climbing 44.1% to ¥37.0 billion. Profit attributable to owne...
Hyakugo Bank Lifts Full-Year Profit Forecasts on Strong Securities Gains
Apr 30, 2026
Hyakugo Bank has sharply revised upward its full-year earnings forecasts for the fiscal year ended March 31, 2026, reflecting stronger-than-expected performance in securities-related income. The bank now projects consolidated ordinary income of &#...
Hyakugo Bank to Make Investment Fund AIDMA No. 2 a Specified Subsidiary
Apr 9, 2026
The Hyakugo Bank, Ltd. will increase its investment in AIDMA No. 2, a limited liability partnership established in 2021 and managed by its subsidiary Hyakugo Mirai Investment, raising the fund’s total investment to 2.35 billion yen. As a res...
Hyakugo Bank Moves to Shorten Board Terms to One Year
Mar 27, 2026
Hyakugo Bank’s board has approved a proposal to amend its Articles of Incorporation to shorten directors’ terms of office from two years to one year. The change is aimed at strengthening corporate governance and enabling the bank’...
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.