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Hyakujushi Bank, Ltd. (JP:8386)
:8386
Japanese Market

Hyakujushi Bank, Ltd. (8386) AI Stock Analysis

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JP

Hyakujushi Bank, Ltd.

(8386)

Rating:65Neutral
Price Target:
Hyakujushi Bank's overall score reflects its strong profitability and robust valuation, with an attractive P/E ratio and solid dividend yield. However, technical indicators suggest potential short-term challenges, and cash flow concerns highlight the need for better liquidity management. The bank's conservative approach and stable financial structure provide a reliable foundation, but addressing cash flow issues is crucial for future growth.

Hyakujushi Bank, Ltd. (8386) vs. iShares MSCI Japan ETF (EWJ)

Hyakujushi Bank, Ltd. Business Overview & Revenue Model

Company DescriptionHyakujushi Bank, Ltd. (8386) is a regional bank headquartered in Japan, primarily serving the Kagawa Prefecture and surrounding areas. The bank offers a comprehensive range of financial products and services, including personal and corporate banking, loans, deposits, investment services, and foreign exchange. It operates through a network of branches, ATMs, and online platforms, catering to both individual and business clients.
How the Company Makes MoneyHyakujushi Bank, Ltd. generates revenue through a diversified range of banking activities. The primary source of income is the interest earned on loans extended to individuals and businesses, including mortgages, personal loans, and commercial loans. Additionally, the bank earns fees and commissions from various financial services, such as account management, investment services, and transaction processing. Deposits from customers provide a stable funding base, enabling the bank to engage in lending activities. The bank also invests in securities and earns interest on these investments. Partnerships with financial institutions and participation in local economic development projects further support its revenue streams.

Hyakujushi Bank, Ltd. Financial Statement Overview

Summary
Hyakujushi Bank exhibits strong profitability with a solid gross profit margin of 96.34% and a net profit margin of 17.00%. The revenue growth is stable at 1.00%, and the bank maintains a well-capitalized position with a high equity ratio. However, cash flow challenges are notable due to recent negative free cash flows and zero operating cash flow in the TTM, indicating liquidity management issues.
Income Statement
75
Positive
Hyakujushi Bank shows a solid TTM gross profit margin of 96.34% and a net profit margin of 17.00%, indicating strong profitability. The revenue growth rate from the previous year is 1.00%, reflecting stability rather than aggressive growth. The EBIT margin is 42.54%, which is quite robust, but the EBITDA margin of 15.80% is relatively lower due to significant amortization or depreciation expenses.
Balance Sheet
70
Positive
The bank maintains a high equity ratio of 5.73%, indicating a well-capitalized position, essential for its regional banking operations. The debt-to-equity ratio is at 1.91, which suggests moderate leverage. Return on equity (ROE) is at 3.81%, showing modest returns for shareholders, likely due to the bank's conservative financial strategy.
Cash Flow
60
Neutral
The cash flow statement reveals challenges, with a significant negative free cash flow in the last reported annual period, indicating potential liquidity management issues. The operating cash flow to net income ratio is not computable due to zero reported operating cash flow in TTM, which raises concerns about cash generation from core operations.
Breakdown
TTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income StatementTotal Revenue
74.24B74.21B63.91B73.51B67.26B62.56B
Gross Profit
71.52B0.0063.91B73.51B67.26B62.56B
EBIT
31.59B13.02B14.28B10.08B11.79B5.11B
EBITDA
20.20B13.02B17.13B16.34B18.29B8.44B
Net Income Common Stockholders
12.63B13.70B9.64B9.17B11.70B2.56B
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.08T0.001.08T1.20T1.12T893.02B
Total Assets
5.84T5.75T5.84T5.81T5.75T5.38T
Total Debt
630.88B621.79B630.88B644.79B723.87B405.42B
Net Debt
-449.68B621.79B-449.68B-553.06B-392.13B-487.60B
Total Liabilities
5.51T5.43T5.51T624.43B5.46T5.08T
Stockholders Equity
329.19B328.26B329.19B281.10B284.33B291.70B
Cash FlowFree Cash Flow
0.00-715.00M-96.38B-154.66B251.24B213.53B
Operating Cash Flow
0.001.44B-92.45B-152.15B253.92B216.35B
Investing Cash Flow
0.00-162.56B-16.58B227.01B-29.11B27.36B
Financing Cash Flow
0.00-67.45B-33.92B-3.19B105.75B-2.44B

Hyakujushi Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3940.00
Price Trends
50DMA
3469.76
Positive
100DMA
3420.99
Positive
200DMA
3093.25
Positive
Market Momentum
MACD
147.95
Positive
RSI
65.64
Neutral
STOCH
57.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8386, the sentiment is Positive. The current price of 3940 is above the 20-day moving average (MA) of 3901.25, above the 50-day MA of 3469.76, and above the 200-day MA of 3093.25, indicating a bullish trend. The MACD of 147.95 indicates Positive momentum. The RSI at 65.64 is Neutral, neither overbought nor oversold. The STOCH value of 57.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8386.

Hyakujushi Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$926.10B12.446.30%2.93%9.28%20.48%
71
Outperform
¥341.20B8.93
1.80%21.04%20.47%
70
Outperform
¥763.14B10.427.30%3.17%15.35%-1.62%
65
Neutral
¥110.81B8.19
3.68%-0.27%38.79%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8386
Hyakujushi Bank, Ltd.
3,995.00
887.51
28.56%
JP:8377
Hokuhoku Financial Group, Inc.
2,787.00
751.46
36.92%
JP:8354
Fukuoka Financial Group
3,949.00
-230.01
-5.50%
JP:8331
Chiba Bank
1,288.50
-84.57
-6.16%

Hyakujushi Bank, Ltd. Corporate Events

Hyakujushi Bank Reports Strong Financial Performance for 2024
Feb 4, 2025

Hyakujushi Bank reported a 4.2% increase in ordinary income for the nine months ended December 31, 2024, with significant growth in ordinary profit and profit attributable to owners. The bank maintains a stable financial position with slightly reduced total assets and a slightly improved capital adequacy ratio, indicating a positive trajectory in its financial health.

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.