Hyakugo Bank Ltd (JP:8368)
:8368
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Hyakugo Bank
(8368)
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Rating:68Neutral
Price Target:
¥1,638.00
▲(75.94% Upside)
Action:ReiteratedDate: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
Stable regional banking franchise
Hyakugo operates a classic regional bank model focused on sticky retail deposits and relationship lending to local SMEs and governments. That diversified, deposit-funded business and entrenched local customer base deliver durable net interest and fee income, supporting steady earnings over a multi-month horizon.
Negative Factors
Remaining high leverage
Despite improvement, elevated leverage keeps the bank sensitive to credit stress and interest-rate swings. High debt levels constrain capital flexibility, limit aggressive balance-sheet growth, and increase the importance of maintaining provisioning and liquidity buffers to avoid capital strain during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable regional banking franchise
Hyakugo operates a classic regional bank model focused on sticky retail deposits and relationship lending to local SMEs and governments. That diversified, deposit-funded business and entrenched local customer base deliver durable net interest and fee income, supporting steady earnings over a multi-month horizon.
Read all positive factors
Hyakugo Bank (8368) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥449.86B
Dividend Yield2.19%
Average Volume (3M)656.97K
Price to Earnings (P/E)11.6
Beta (1Y)1.21
Revenue Growth9.29%
EPS Growth28.34%
CountryJP
Employees2,792
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)24.59
Shares Outstanding254,119,000
10 Day Avg. Volume730,990
30 Day Avg. Volume656,973
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.42
Price to Sales (P/S)1.48
P/FCF Ratio5.29
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
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...
Hyakugo Bank Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
60
Neutral
| 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
Positive
931.00
Price Trends
1531.52
Positive
1325.88
Positive
1069.17
Positive
Market Momentum
49.43
Negative
66.50
Neutral
91.83
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 1557.04, below the 50-day MA of 1531.52, and below the 200-day MA of 1069.17, indicating a bullish trend. The MACD of 49.43 indicates Negative momentum. The RSI at 66.50 is Neutral, neither overbought nor oversold. The STOCH value of 91.83 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥415.71B | 9.10 | 8.52% | 2.12% | 22.44% | 59.32% | |
76 Outperform | ¥355.64B | 9.60 | ― | 2.94% | 1.91% | 9.73% | |
72 Outperform | ¥382.28B | 10.18 | ― | 3.01% | 19.69% | 70.91% | |
71 Outperform | ¥267.98B | 8.21 | 7.61% | 3.81% | 17.68% | 20.15% | |
68 Neutral | ¥449.86B | 11.65 | 3.95% | 2.19% | 9.29% | 28.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥485.46B | 14.75 | ― | 1.50% | 15.79% | 78.27% |
* Financial Sector Average
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Hyakugo Bank Corporate Events
Hyakugo Bank Moves to Shorten Board Terms to One Year
Mar 27, 2026
Hyakugo Bank’s board has approved a proposal to amend its Articles of Incorporation to shorten directors’ terms of office from two years to one year. The change is aimed at strengthening corporate governance and enabling the bank’...
Hyakugo Bank Posts Higher Capital Adequacy Ratios in Third Quarter
Feb 12, 2026
Hyakugo Bank reported a consolidated domestic-standard capital adequacy ratio of 12.67% as of December 31, 2025, up 0.09 percentage point from the previous quarter, with equity capital rising to ¥295.4 billion and risk-weighted assets increas...
Hyakugo Bank Delivers Strong Nine-Month Earnings and Hikes Dividend Forecast
Feb 3, 2026
Hyakugo Bank reported solid consolidated results for the nine months ended December 31, 2025, with ordinary income rising 22.9% year on year to ¥110.1 billion and ordinary profit up 9.1% to ¥22.3 billion, while profit attributable to own...
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.