Hyakugo Bank (8368) AI Stock Analysis

• Market Cap: ¥238.11B
• Dividend Yield: 2.68%
• Average Volume (3M): 622.19K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 1.10
• Revenue Growth: 3.23%
• EPS Growth: 15.53%
• Country: JP
• Employees: 2,792
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 15.46
• Shares Outstanding: 254,119,000
• 10 Day Avg. Volume: 720,520
• 30 Day Avg. Volume: 622,186
• 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: ¥1,008.49
• Price Target Upside: 8.32% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ¥1,004.00 ▲(7.84% Upside)

Hyakugo Bank's stock is well-positioned with strong technical momentum and reasonable valuation metrics. Financial performance shows a positive trend, though attention to profitability and debt management is necessary. The absence of recent earnings call data and corporate events does not impact the current analysis.

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

Overall, Hyakugo Bank demonstrates solid revenue growth and profitability, supported by a strong gross profit margin. The balance sheet is robust with a healthy equity ratio, but high leverage could pose risks. The main concern lies in cash flow management, where zero cash flow in the TTM period suggests challenges in liquidity and operational flexibility. Continuous monitoring and strategic adjustments are recommended to sustain growth and improve cash flow generation.

Income Statement

Hyakugo Bank's income statement reveals a robust financial performance in the TTM period with a significant revenue growth rate of approximately 4.51% from the previous year. The gross profit margin is exceptionally high at 102.58%, showcasing efficient cost management. The net profit margin is strong at 15.48%, indicating profitability. However, the EBIT margin at 39.18% and EBITDA margin at 3.92% reflect operational efficiency, although there's room for improvement in EBITDA performance.

Balance Sheet

The balance sheet shows a healthy equity ratio of 6.13%, suggesting a stable financial position with sufficient capital structure. The debt-to-equity ratio is high at 1.37, indicating moderate leverage that could pose potential risks if not managed carefully. Return on equity (ROE) stands at 3.58%, reflecting moderate shareholder value creation.

Cash Flow

Cash flow analysis indicates challenges with cash generation as both operating cash flow and free cash flow are zero in the TTM period. This lack of positive cash flow may constrain flexibility in financing operations or investments. The free cash flow to net income ratio is consequently low, highlighting potential issues in converting earnings into cash.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	109.37B	118.69B	113.97B	97.89B	90.90B	89.03B
Gross Profit	112.19B	104.90B	104.64B	91.51B	90.90B	85.71B
EBITDA	10.69B	22.29B	23.64B	24.40B	23.16B	22.51B
Net Income	16.92B	18.04B	14.28B	14.49B	13.40B	12.96B
Balance Sheet
Total Assets	7.71T	7.43T	8.10T	7.52T	7.75T	7.45T
Cash, Cash Equivalents and Short-Term Investments	823.40B	665.53B	1.41T	1.35T	1.87T	1.57T
Total Debt	646.13B	703.60B	1.37T	837.85B	1.13T	900.78B
Total Liabilities	7.24T	7.00T	7.60T	7.13T	7.35T	7.06T
Stockholders Equity	472.82B	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: Neutral
• 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 above the 20-day moving average (MA) of 900.81, above the 50-day MA of 855.00, and above the 200-day MA of 722.31, indicating a bullish trend. The MACD of 20.63 indicates Negative momentum. The RSI at 61.53 is Neutral, neither overbought nor oversold. The STOCH value of 85.58 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
8368	73 Outperform	¥238.11B	13.92	3.62%	2.68%	3.23%	15.53%
7380	72 Outperform	¥208.21B	9.39	―	3.34%	-3.29%	3.26%
7173	72 Outperform	¥222.95B	7.00	―	2.20%	10.75%	16.98%
7389	70 Outperform	¥181.83B	22.98	―	2.63%	1.98%	-10.03%
8370	69 Neutral	¥188.26B	9.01	8.71%	4.18%	15.05%	32.29%
8367	69 Neutral	¥165.37B	11.56	―	3.52%	15.80%	1.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%