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Kiyo Bank
(8370)
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Rating:70Outperform
Price Target:
¥5,390.00
▲(58.53% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by moderate financial performance—improving earnings but constrained by leverage and inconsistent cash flow—while strong technical uptrend signals and attractive valuation (low P/E and solid dividend yield) provide meaningful support.
Positive Factors
Regional franchise & diversified services
Kiyo Bank’s regional banking model, with deposit-taking, SME and retail lending plus securities and trust offerings, creates durable customer relationships and stable local deposit funding. Cross-sell of ancillary services supports recurring fee income and reduces single-product dependence over time.
Negative Factors
Elevated leverage
High leverage increases sensitivity to credit losses, interest-rate swings and funding stress, limiting flexibility for growth or capital returns. Sustained elevated debt-to-equity constrains management’s ability to absorb shocks and may require capital actions if asset quality weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Regional franchise & diversified services
Kiyo Bank’s regional banking model, with deposit-taking, SME and retail lending plus securities and trust offerings, creates durable customer relationships and stable local deposit funding. Cross-sell of ancillary services supports recurring fee income and reduces single-product dependence over time.
Read all positive factors
Kiyo Bank (8370) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥300.31B
Dividend Yield2.92%
Average Volume (3M)177.54K
Price to Earnings (P/E)13.8
Beta (1Y)0.94
Revenue Growth17.66%
EPS Growth24.54%
CountryJP
Employees2,473
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)339.92
Shares Outstanding67,300,000
10 Day Avg. Volume144,490
30 Day Avg. Volume177,540
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)0.99
Price to Sales (P/S)2.40
P/FCF Ratio14.13
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
Kiyo Bank Business Overview & Revenue Model
Company Description
The Kiyo Bank, Ltd. is a financial institution operating across Japan, offering a comprehensive array of banking solutions and services to individuals, corporate entities, and businesses. Its offerings span various deposit types, including Yen, ti...
How the Company Makes Money
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Kiyo Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 102.39B | 92.70B | 77.82B | 80.93B | 78.02B |
| Gross Profit | 87.84B | 85.30B | 74.86B | 76.71B | 73.15B |
| EBITDA | 33.34B | 26.50B | 22.92B | 7.45B | 26.75B |
| Net Income | 21.82B | 17.62B | 15.02B | 3.92B | 15.46B |
Balance Sheet | |||||
| Total Assets | 6.12T | 5.93T | 5.83T | 5.48T | 5.88T |
| Cash, Cash Equivalents and Short-Term Investments | 846.23B | 807.02B | 983.68B | 1.00T | 1.38T |
| Total Debt | 848.33B | 882.76B | 856.00B | 530.31B | 1.99T |
| Total Liabilities | 5.87T | 5.69T | 5.59T | 5.26T | 5.64T |
| Stockholders Equity | 247.54B | 235.19B | 237.15B | 222.02B | 241.14B |
Cash Flow | |||||
| Free Cash Flow | 17.37B | 45.99B | 0.00 | -585.29B | 72.24B |
| Operating Cash Flow | 20.19B | 48.82B | 0.00 | -582.29B | 75.53B |
| Investing Cash Flow | -151.46B | 16.95B | -130.55B | 214.64B | 87.36B |
| Financing Cash Flow | 161.95B | 45.50B | 89.70B | -5.61B | -4.57B |
Kiyo Bank Technical Analysis
Positive
3400.00
Price Trends
4552.80
Positive
4331.28
Positive
3838.16
Positive
Market Momentum
60.99
Positive
59.05
Neutral
41.98
Neutral
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 3400 is below the 20-day moving average (MA) of 4742.75, below the 50-day MA of 4552.80, and below the 200-day MA of 3838.16, indicating a bullish trend. The MACD of 60.99 indicates Positive momentum. The RSI at 59.05 is Neutral, neither overbought nor oversold. The STOCH value of 41.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8370.
Kiyo Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥300.31B | 13.80 | 8.89% | 3.81% | 17.66% | 24.54% | |
70 Outperform | ¥296.15B | 15.47 | ― | 2.27% | 33.67% | 31.83% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥324.48B | 17.14 | ― | 2.55% | 18.30% | 38.07% | |
66 Neutral | ¥323.41B | 18.51 | ― | 2.53% | 23.28% | 40.80% | |
57 Neutral | ¥283.21B | 14.89 | ― | 3.46% | 12.74% | 38.29% |
* Financial Sector Average
JP:8370
Kiyo Bank
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Kiyo Bank Corporate Events
Kiyo Bank to Launch Investment Advisory Subsidiary as Part of Diversification Drive
Jul 27, 2026
The Kiyo Bank, Ltd., a Wakayama-based regional bank listed on the Tokyo Stock Exchange Prime Market, is pushing beyond conventional banking through its Future Creation Office to cultivate new, longer-term revenue sources. This strategic shift posi...
Kiyo Bank Completes Disposal of Treasury Shares for Restricted Stock Pay
Jul 24, 2026
Kiyo Bank has completed the payment process for the disposal of its treasury shares used as restricted stock remuneration, following a resolution by its board of directors in late June. The bank issued 7,600 shares of common stock at 4,430 yen per...
Kiyo Bank to Grant Restricted Treasury Shares as Long-Term Executive Remuneration
Jun 26, 2026
Kiyo Bank has approved the disposal of 7,600 shares of its treasury stock as restricted stock remuneration for six directors and nine executive officers, with a total value of about ¥33.7 million at ¥4,430 per share. The shares, allocate...
Kiyo Bank to Merge Card Subsidiaries in Push to Streamline Cashless Operations
Jun 22, 2026
Kiyo Bank has approved a merger of its wholly owned credit card subsidiaries, Kiyo Card Co., Ltd. and Kiyo Card DC Co., Ltd., to consolidate management resources in the card business and streamline operations. The merger, structured as an absorpti...
Kiyo Bank Announces 3-for-1 Stock Split and New Shareholder Benefit Program
May 14, 2026
The Kiyo Bank, Ltd. has approved a three-for-one stock split effective October 1, 2026, tripling its issued shares to 201.9 million and raising authorized shares to 360 million to lower the minimum investment amount. The move is designed to improv...
Kiyo Bank Delivers Strong FY 2026 Earnings, Lifts Dividend and Plans Stock Split
May 14, 2026
Kiyo Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 16.4% to ¥114.9 billion and ordinary profit climbing 38.9% to ¥32.4 billion. Profit attributable to owners of the parent...
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.