Hyakugo Bank (8368) AI Stock Analysis

• Market Cap: ¥258.40B
• Dividend Yield: 2.52%
• Average Volume (3M): 606.57K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 1.10
• Revenue Growth: 9.29%
• EPS Growth: 28.34%
• Country: JP
• Employees: 2,792
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 26.24
• Shares Outstanding: 254,119,000
• 10 Day Avg. Volume: 587,850
• 30 Day Avg. Volume: 606,573
• PEG Ratio: 0.35
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 1.53
• 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: 73 Outperform
• Price Target: ¥1,004.00 ▲(7.84% Upside)

Hyakugo Bank's stock is supported by strong technical momentum and a solid valuation, with a reasonable P/E ratio and attractive dividend yield. Financial performance shows positive trends in revenue growth and operational efficiency, though attention to profitability and debt levels is necessary. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, positioning the bank for continued expansion in its regional market.

Operational Efficiency

Strong operational efficiency through effective cost management enhances profitability potential, providing a competitive edge in the regional banking sector.

Leverage Management

Improved leverage management reduces financial risk and enhances the bank's ability to invest in growth opportunities, supporting long-term stability.

Negative Factors

Profitability Concerns

Suboptimal net profit margins indicate challenges in translating revenue growth into bottom-line profits, which could affect long-term financial health if not addressed.

High Debt Levels

Elevated debt levels may strain financial resources and limit flexibility, posing a risk to the bank's ability to navigate economic downturns or invest in new opportunities.

Cash Flow Management

Challenges in cash flow management could impact the bank's ability to fund operations and growth initiatives, necessitating ongoing improvements in financial oversight.

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 include savings accounts, personal and business loans, investment products, and various financial services tailored to meet the needs of individuals, small to medium-sized enterprises, and local corporations.

How the Company Makes Money

Hyakugo Bank generates revenue primarily through interest income from loans, which form a significant portion of its earnings. The bank extends credit to individuals and businesses, charging interest on these loans. Additionally, it earns fee income from various banking services such as account maintenance fees, transaction fees, and advisory services. The bank also invests in government and corporate bonds, generating interest income from these investments. Strategic partnerships with local businesses and community organizations enhance its service offerings and attract more customers, contributing to its overall revenue growth.

Hyakugo Bank Financial Statement Overview

Summary

Hyakugo Bank shows a positive trajectory in revenue growth and operational efficiency, with improvements in leverage and cash flow management. While profitability and debt levels require ongoing attention, the bank is positioned for stable growth with careful financial oversight.

Income Statement

Hyakugo Bank has demonstrated consistent revenue growth over the years, with a notable 6.8% increase in the most recent year. The gross profit margin remains strong, indicating efficient cost management. However, the net profit margin, while improving, still suggests room for enhancing profitability. The EBIT and EBITDA margins are stable, reflecting solid operational performance.

Balance Sheet

The bank's debt-to-equity ratio has improved significantly, indicating better leverage management, although it remains relatively high. Return on equity is modest, suggesting potential for improved shareholder returns. The equity ratio indicates a stable capital structure, but the high debt levels could pose risks if not managed carefully.

Cash Flow

The cash flow situation has improved, with a significant turnaround in free cash flow. The operating cash flow to net income ratio is positive, indicating effective cash generation relative to earnings. However, past negative cash flows highlight the need for continued focus on cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	108.26B	118.69B	113.97B	97.89B	93.93B	89.03B
Gross Profit	108.26B	103.53B	104.64B	91.51B	91.55B	85.71B
EBITDA	16.77B	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	471.22B	703.60B	1.37T	837.85B	1.13T	900.78B
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: Negative
• RSI: Negative
• STOCH: Negative

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 969.80, below the 50-day MA of 931.80, and above the 200-day MA of 767.81, indicating a bullish trend. The MACD of 22.77 indicates Negative momentum. The RSI at 71.55 is Negative, neither overbought nor oversold. The STOCH value of 84.54 is Negative, 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
8370	77 Outperform	$194.66B	10.28	7.61%	4.01%	17.68%	20.15%
7173	76 Outperform	¥254.19B	6.78	―	2.24%	19.69%	50.61%
8368	73 Outperform	¥258.40B	13.10	3.95%	2.52%	9.29%	28.34%
7380	73 Outperform	¥234.38B	10.30	―	3.37%	1.91%	9.73%
7389	70 Outperform	¥197.29B	24.94	―	2.38%	5.99%	21.09%
8367	69 Neutral	¥178.72B	11.84	―	3.27%	11.92%	16.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Hyakugo Bank Corporate Events

Hyakugo Bank Revises Shareholder Benefit Program to Foster Long-term Investment

Hyakugo Bank has announced changes to its shareholder benefit program, aiming to encourage long-term investment by requiring a minimum shareholding period for eligibility. The revised program, effective from March 31, 2026, introduces a tiered benefit structure based on the duration of shareholding, with transitional measures in place to accommodate current shareholders.

Hyakugo Bank Completes Share Buyback as Part of Strategic Capital Optimization

Hyakugo Bank has completed the acquisition of its own shares as per the provisions of the Companies Act, following a resolution by its Board of Directors. The bank acquired 423,300 common shares through market purchases on the Tokyo Stock Exchange, with a total acquisition cost of 330,337,700 yen. This move is part of a larger plan approved in May 2025 to acquire up to 4,000,000 shares, aiming to enhance shareholder value and optimize capital structure.

Hyakugo Bank Announces Share Buyback Progress

Hyakugo Bank announced the acquisition of 1,369,600 of its own shares between July 1 and July 31, 2025, through market purchases on the Tokyo Stock Exchange. This move is part of a broader strategy approved by the Board of Directors to acquire up to 4,000,000 shares by September 30, 2025, aiming to enhance shareholder value and optimize capital structure.

Hyakugo Bank Reports Mixed Financial Results for Q1 2025

Hyakugo Bank reported a 17.9% increase in ordinary revenues for the three months ended June 30, 2025, compared to the same period in 2024. However, ordinary profit and profit attributable to owners of the parent decreased by 29.6% and 29.7%, respectively. The bank’s total assets increased to ¥7,661,630 million, while the capital adequacy ratio slightly declined to 5.8%. The bank maintained its dividend forecast for the fiscal year ending March 31, 2026, with a total annual dividend of ¥24.00 per share. The financial results indicate a mixed performance with revenue growth but declining profits, which may affect stakeholder confidence.

Hyakugo Bank Finalizes Director Stock Options Issuance

Hyakugo Bank has finalized the issuance details of share compensation-type stock options for its directors, a decision made at a board meeting on June 23, 2025. This move involves 308 share acquisition rights, each covering 100 shares, and aims to align the interests of the directors with the company’s performance, potentially impacting the company’s governance and stakeholder relations.