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Hyakugo Bank (JP:8368)
:8368
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Hyakugo Bank (8368) AI Stock Analysis

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JP:8368

Hyakugo Bank

(OTC:8368)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
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 (8368) vs. iShares MSCI Japan ETF (EWJ)

Hyakugo Bank Business Overview & Revenue Model

Company DescriptionHyakugo 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 MoneyHyakugo 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
75
Positive
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
65
Positive
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
60
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue109.37B118.69B113.97B97.89B90.90B89.03B
Gross Profit112.19B104.90B104.64B91.51B90.90B85.71B
EBITDA10.69B22.29B23.64B24.40B23.16B22.51B
Net Income16.92B18.04B14.28B14.49B13.40B12.96B
Balance Sheet
Total Assets7.71T7.43T8.10T7.52T7.75T7.45T
Cash, Cash Equivalents and Short-Term Investments823.40B665.53B1.41T1.35T1.87T1.57T
Total Debt646.13B703.60B1.37T837.85B1.13T900.78B
Total Liabilities7.24T7.00T7.60T7.13T7.35T7.06T
Stockholders Equity472.82B435.45B496.92B392.03B401.85B394.68B
Cash Flow
Free Cash Flow0.0034.40B-28.86B-559.28B53.00B580.59B
Operating Cash Flow0.0038.59B-25.44B-556.45B55.95B583.74B
Investing Cash Flow0.00-29.01B-18.11B38.60B249.80B114.02B
Financing Cash Flow0.0074.75B138.16B-2.91B-2.82B-2.41B

Hyakugo Bank Technical Analysis

Technical Analysis Sentiment
Positive
Last Price931.00
Price Trends
50DMA
855.00
Positive
100DMA
782.40
Positive
200DMA
722.31
Positive
Market Momentum
MACD
20.63
Negative
RSI
61.53
Neutral
STOCH
85.58
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
¥238.11B13.923.62%2.68%3.23%15.53%
72
Outperform
¥208.21B9.393.34%-3.29%3.26%
72
Outperform
¥222.95B7.002.20%10.75%16.98%
70
Outperform
¥181.83B22.982.63%1.98%-10.03%
69
Neutral
¥188.26B9.018.71%4.18%15.05%32.29%
69
Neutral
¥165.37B11.563.52%15.80%1.72%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8368
Hyakugo Bank
925.00
386.76
71.85%
JP:8370
Kiyo Bank
2,940.00
1,238.60
72.80%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
7,350.00
3,314.46
82.13%
JP:7380
Juroku Financial Group,Inc.
5,570.00
1,696.84
43.81%
JP:7389
Aichi Financial Group, Inc.
3,800.00
1,627.47
74.91%
JP:8367
Nanto Bank Ltd.
5,080.00
2,228.57
78.16%
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.Date of analysis: Oct 02, 2025