Hyakugo Bank (8368) AI Stock Analysis

• Market Cap: ¥391.28B
• Dividend Yield: 2.19%
• Average Volume (3M): 656.97K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 1.22
• Revenue Growth: 9.29%
• EPS Growth: 28.34%
• Country: JP
• Employees: 2,792
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 24.59
• Shares Outstanding: 254,119,000
• 10 Day Avg. Volume: 730,990
• 30 Day Avg. Volume: 656,973
• PEG Ratio: 0.35
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 1.48
• P/FCF Ratio: 5.29
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ¥1,558.00 ▲(67.35% Upside)
• Action: Reiterated Date: 02/28/26
• Date: Action: Reiterated 02/28/26

The score is driven primarily by steady financial performance (growth and operating stability, but constrained by leverage/ROE and uneven historical cash flow) and strong technical momentum (price well above key moving averages with positive MACD). Valuation and income support are comparatively weaker due to a higher P/E and modest dividend yield.

Positive Factors

Leverage management improving

Noticeable improvement in leverage metrics points to stronger balance-sheet discipline and reduced financial risk. Better leverage management lowers funding stress and regulatory strain, enabling safer incremental lending and a firmer capital cushion against shocks—supportive of sustainable operations and strategic optionality.

Negative Factors

Revenue concentration in interest income

Heavy reliance on net interest income and the local lending franchise leaves earnings exposed to interest-rate cycles and regional economic swings. Limited diversification into higher-growth fee or non-interest businesses raises structural sensitivity and may cap long-term margin expansion versus more diversified peers.

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...

Read more

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’s earnings are primarily driven by (1) net interest income and (2) non-interest income (fees and commissions), with additional contributions from securities-related income and other banking activities. 1) Net interest income (core dr...

Read more

Hyakugo Bank’s earnings are primarily driven by (1) net interest income and (2) non-interest income (fees and commissions), with additional contributions from securities-related income and other banking activities. 1) Net interest income (core dr...

Hyakugo Bank Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	123.88B	123.19B	117.73B	101.05B	96.29B	89.50B
Gross Profit	106.93B	104.41B	102.01B	90.96B	89.77B	81.29B
EBITDA	23.28B	29.30B	23.64B	24.39B	23.16B	22.51B
Net Income	16.44B	18.04B	14.28B	14.49B	13.40B	12.96B
Balance Sheet
Total Assets	7.66T	7.43T	8.10T	7.52T	7.75T	7.45T
Cash, Cash Equivalents and Short-Term Investments	0.00	665.53B	1.41T	1.35T	1.87T	1.57T
Total Debt	770.86B	703.60B	1.37T	1.45T	2.17T	2.25T
Total Liabilities	7.22T	7.00T	7.60T	7.13T	7.35T	7.06T
Stockholders Equity	446.07B	435.45B	496.92B	392.03B	401.85B	394.68B
Cash Flow
Free Cash Flow	0.00	34.40B	-28.86B	-559.28B	53.00B	580.59B
Operating Cash Flow	0.00	38.59B	-25.44B	-556.45B	55.95B	583.74B
Investing Cash Flow	0.00	-29.01B	-18.11B	38.60B	249.80B	114.02B
Financing Cash Flow	0.00	74.75B	138.16B	-2.91B	-2.82B	-2.41B

Hyakugo Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 931.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1541.80, below the 50-day MA of 1504.44, and below the 200-day MA of 1047.15, indicating a bullish trend. The MACD of 0.36 indicates Positive momentum. The RSI at 53.65 is Neutral, neither overbought nor oversold. The STOCH value of 46.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7380	76 Outperform	¥341.29B	9.60	―	2.94%	1.91%	9.73%
8358	76 Outperform	¥396.84B	9.10	8.52%	2.12%	22.44%	59.32%
8524	72 Outperform	¥353.61B	10.18	―	3.01%	19.69%	70.91%
8370	71 Outperform	¥253.25B	8.21	7.61%	3.81%	17.68%	20.15%
8368	68 Neutral	¥391.28B	11.65	3.95%	2.19%	9.29%	28.34%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8366	65 Neutral	¥427.57B	14.75	―	1.50%	15.79%	78.27%

Hyakugo Bank Corporate Events