Hyakugo Bank (8368) AI Stock Analysis

• Market Cap: ¥278.94B
• Dividend Yield: 2.27%
• Average Volume (3M): 649.02K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 1.14
• 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: 714,640
• 30 Day Avg. Volume: 649,020
• 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 1036.60, below the 50-day MA of 978.02, and above the 200-day MA of 793.15, indicating a bullish trend. The MACD of 35.26 indicates Negative momentum. The RSI at 71.23 is Negative, neither overbought nor oversold. The STOCH value of 86.55 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	¥202.02B	10.67	7.61%	3.90%	17.68%	20.15%
7173	76 Outperform	¥264.81B	7.06	―	1.95%	19.69%	50.61%
7389	74 Outperform	¥228.45B	18.96	―	2.15%	5.99%	21.09%
8368	73 Outperform	¥278.94B	14.15	3.95%	2.27%	9.29%	28.34%
7380	73 Outperform	¥245.97B	10.81	―	3.04%	1.91%	9.73%
8367	69 Neutral	¥189.46B	12.55	―	3.52%	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 Increases Dividend Forecasts for Fiscal Year 2026

Hyakugo Bank has announced an increase in its interim and year-end dividends for the fiscal year ending March 31, 2026, following a resolution by its Board of Directors. The interim dividends have been increased from 12 yen to 13 yen per share, and the year-end dividends have been revised to 13 yen per share, resulting in total annual dividends of 26 yen per share. This decision reflects the bank’s commitment to balancing internal reserves with shareholder returns, in light of its current business performance.

Hyakugo Bank Reports Strong Financial Growth and Dividend Increase

Hyakugo Bank reported a significant increase in its financial performance for the six months ending September 30, 2025, with ordinary income rising by 21.8% and profit attributable to owners of the parent increasing by 10.7%. The bank’s equity-to-asset ratio improved to 6.4%, reflecting a stronger financial position, and it announced an increase in annual dividends per share, indicating a positive outlook for shareholders.