Kiyo Bank (8370) AI Stock Analysis

• Market Cap: $194.66B
• Dividend Yield: 4.01%
• Average Volume (3M): 177.54K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.99
• Revenue Growth: 17.68%
• EPS Growth: 20.15%
• Country: JP
• Employees: 2,352
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 41.01
• Shares Outstanding: 67,300,000
• 10 Day Avg. Volume: 144,490
• 30 Day Avg. Volume: 177,540
• PEG Ratio: 0.45
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 1.72
• P/FCF Ratio: 3.24
• Enterprise Value/Market Cap: 0.58
• Enterprise Value/Revenue: 1.74
• Enterprise Value/Gross Profit: 1.74
• Enterprise Value/Ebitda: 7.01
• 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: 77 Outperform
• Price Target: ¥3,553.00 ▲(16.49% Upside)

Kiyo Bank's stock is supported by strong technical indicators and a reasonable valuation, making it attractive for growth and income investors. Financial performance is solid, with robust revenue growth and effective cash management, though high leverage poses a risk. The absence of recent earnings call data and corporate events means these factors do not influence the score.

Kiyo Bank Business Overview & Revenue Model

Company Description

The Kiyo Bank, Ltd. provides various banking products and services to individuals, corporates, and business customers in Japan. It offers Yen, time, and foreign currency deposits; personal, home, mortgage, card, purpose, education-related, and free loans; and life, medical, cancer, student, income security, and term insurance, etc., as well as pension funds. The company also provides securities investment, domestic and foreign exchange, agency, internet banking, and ATM services; and cards, as well as engages in buying and selling government bonds, etc. It operates 112 branches in Japan, including 68 branches in Wakayama; 41 branches in Osaka prefecture; 1 branch in Tokyo; and 2 branches in Nara prefecture. The company was formerly known as Kiyo Bank Co., Ltd. and changed its name to The Kiyo Bank, Ltd. in October 2013. The Kiyo Bank, Ltd. was founded in 1883 and is headquartered in Wakayama, Japan.

How the Company Makes Money

Kiyo Bank generates revenue through several key streams. The primary source of income is the interest earned from loans provided to customers, which includes personal loans, mortgages, and business loans. The bank also earns interest income from its investments in securities and other financial instruments. Additionally, Kiyo Bank generates fee-based income from various services such as account maintenance fees, transaction fees, and advisory services. Strategic partnerships with local businesses and government entities enhance its customer base and create opportunities for cross-selling financial products. Furthermore, the bank's focus on community engagement and customer service helps to retain a loyal client base, contributing to stable revenue growth.

Kiyo Bank Financial Statement Overview

Summary

Kiyo Bank exhibits strong revenue growth and effective cost management, though profitability margins have seen slight pressure. The balance sheet shows high leverage, which could be a risk factor, but the bank maintains a stable equity position. Cash flow metrics indicate robust cash generation and management, supporting the bank's financial health.

Income Statement

Kiyo Bank has shown a strong revenue growth rate of 11.48% in the latest year, indicating a positive trajectory. The gross profit margin is exceptionally high, suggesting effective cost management. However, the net profit margin has decreased slightly from the previous year, indicating some pressure on profitability. EBIT and EBITDA margins are healthy, though slightly lower than the previous year, reflecting stable operational efficiency.

Balance Sheet

The bank's debt-to-equity ratio is quite high at 3.75, indicating significant leverage, which could pose a risk if not managed properly. Return on equity is moderate at 7.49%, showing decent profitability relative to shareholder equity. The equity ratio is stable, suggesting a balanced asset structure.

Cash Flow

Kiyo Bank has demonstrated a strong recovery in free cash flow, with a significant growth rate from the previous year. The operating cash flow to net income ratio is positive, indicating good cash generation relative to net income. The free cash flow to net income ratio is high, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	64.35B	88.65B	68.25B	77.28B	75.19B	72.31B
Gross Profit	64.35B	80.26B	68.25B	72.90B	74.57B	71.10B
EBITDA	15.99B	26.50B	22.92B	7.45B	26.76B	23.38B
Net Income	13.92B	17.62B	15.02B	3.92B	15.46B	13.59B
Balance Sheet
Total Assets	6.00T	5.93T	5.83T	5.48T	5.88T	5.66T
Cash, Cash Equivalents and Short-Term Investments	0.00	807.02B	983.68B	1.00T	1.38T	1.22T
Total Debt	819.13B	882.76B	856.00B	594.41B	997.05B	894.03B
Total Liabilities	5.76T	5.69T	5.59T	5.26T	5.64T	5.42T
Stockholders Equity	241.42B	235.19B	237.15B	222.02B	241.14B	244.04B
Cash Flow
Free Cash Flow	0.00	45.99B	-5.16B	-585.29B	72.24B	712.94B
Operating Cash Flow	0.00	48.82B	-3.32B	-582.29B	75.53B	715.23B
Investing Cash Flow	0.00	16.95B	-130.55B	214.64B	87.36B	-2.06B
Financing Cash Flow	0.00	45.50B	89.70B	-5.61B	-4.57B	-4.39B

Kiyo Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3050.00
• 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:8370, the sentiment is Positive. The current price of 3050 is above the 20-day moving average (MA) of 2991.20, above the 50-day MA of 2936.59, and above the 200-day MA of 2558.84, indicating a bullish trend. The MACD of 12.69 indicates Negative momentum. The RSI at 58.83 is Neutral, neither overbought nor oversold. The STOCH value of 80.60 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8370.

Kiyo 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%