Hyakujushi Bank, Ltd. (JP:8386)
:8386
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Hyakujushi Bank, Ltd.
(8386)
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Rating:59Neutral
Price Target:
¥2,183.00
▼(-68.95% Downside)
Action:ReiteratedDate:02/13/26
The score is driven mainly by solid financial performance (strong revenue growth and profitability) but tempered by weak cash flow and relatively high leverage. Technicals show a strong uptrend, yet extremely overbought RSI/Stoch readings raise near-term reversal risk. Valuation is average with a moderate P/E and modest dividend yield.
Positive Factors
Revenue Growth
A sustained ~15.5% annual revenue increase indicates expanding core banking activity across lending, deposits and fee services. Over 2-6 months this growth trajectory supports durable top-line momentum, underwriting investment in branches, technology and product expansion.
Negative Factors
Weak Cash Flow
Declining operating cash flow and negative free cash flow signal that reported profits are not translating into cash generation. This structural cash shortfall can constrain loan origination, dividend capacity and reinvestment without corrective measures or external financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A sustained ~15.5% annual revenue increase indicates expanding core banking activity across lending, deposits and fee services. Over 2-6 months this growth trajectory supports durable top-line momentum, underwriting investment in branches, technology and product expansion.
Read all positive factors
Hyakujushi Bank, Ltd. (8386) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥258.47B
Dividend Yield2.55%
Average Volume (3M)91.48K
Price to Earnings (P/E)10.7
Beta (1Y)1.17
Revenue Growth-0.36%
EPS Growth41.38%
CountryJP
Employees2,147
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)39.00
Shares Outstanding114,520,000
10 Day Avg. Volume92,330
30 Day Avg. Volume91,480
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.30
Price to Sales (P/S)1.12
P/FCF Ratio-138.37
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
Hyakujushi Bank, Ltd. Business Overview & Revenue Model
Company Description
The Hyakujushi Bank, Ltd. primarily engages in banking activities in Japan. It operates through two segments, Banking and Leasing. The Banking segment provides deposits, loans, and foreign currency exchange services; and marketable securities and ...
How the Company Makes Money
null...
Hyakujushi Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 80.30B | 88.40B | 79.28B | 83.76B | 68.79B | 58.88B |
| Gross Profit | 65.82B | 70.22B | 63.76B | 74.52B | 67.41B | 55.59B |
| EBITDA | 19.88B | 22.47B | 17.13B | 16.34B | 18.29B | 8.44B |
| Net Income | 13.98B | 13.70B | 9.64B | 9.17B | 11.70B | 2.56B |
Balance Sheet | ||||||
| Total Assets | 5.70T | 5.75T | 5.84T | 5.81T | 5.75T | 5.38T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 861.93B | 1.08T | 1.20T | 1.12T | 893.02B |
| Total Debt | 508.20B | 621.79B | 630.88B | 644.79B | 736.57B | 784.95B |
| Total Liabilities | 5.37T | 5.43T | 5.51T | 5.53T | 5.46T | 5.08T |
| Stockholders Equity | 336.83B | 328.26B | 329.19B | 281.10B | 284.33B | 291.70B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -715.00M | 0.00 | -154.66B | 0.00 | 213.53B |
| Operating Cash Flow | 0.00 | 1.44B | 0.00 | -152.15B | 0.00 | 216.35B |
| Investing Cash Flow | 0.00 | -162.56B | -16.58B | 227.01B | -29.11B | 27.36B |
| Financing Cash Flow | 0.00 | -67.45B | -33.92B | -3.19B | 105.75B | -2.44B |
Hyakujushi Bank, Ltd. Technical Analysis
Positive
7030.00
Price Trends
2203.20
Positive
1905.54
Positive
1542.22
Positive
Market Momentum
15.01
Negative
56.44
Neutral
70.07
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 7030 is above the 20-day moving average (MA) of 2142.58, above the 50-day MA of 2203.20, and above the 200-day MA of 1542.22, indicating a bullish trend. The MACD of 15.01 indicates Negative momentum. The RSI at 56.44 is Neutral, neither overbought nor oversold. The STOCH value of 70.07 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥262.68B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
71 Outperform | ¥263.50B | 8.21 | 7.61% | 3.81% | 17.68% | 20.15% | |
68 Neutral | ¥273.47B | 9.68 | ― | 2.27% | 2.68% | 74.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥248.47B | 8.20 | ― | 3.46% | 11.92% | 16.40% | |
65 Neutral | ¥243.91B | 10.90 | ― | 2.53% | 7.67% | 11.03% | |
59 Neutral | ¥258.47B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
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Hyakujushi Bank, Ltd. Corporate Events
Hyakujushi Bank Launches New Medium-Term Plan Centered on DX and Human Capital
Apr 1, 2026
The Hyakujushi Bank has unveiled a new three-year medium-term management plan, branded “DAKARA IDOMU: Shaping a Stronger Future for Our Region,” as the second phase of its Long-Term Vision 2030. The plan, running from April 2026 to Mar...
Hyakujushi Bank Adopts Advanced Risk Models for Capital Adequacy Calculations
Mar 31, 2026
The Hyakujushi Bank, Ltd. has received regulatory approval from Japan’s Financial Services Agency to change the way it calculates its capital adequacy ratio, shifting its credit risk method from the standardized approach to the foundation in...
Hyakujushi Bank Overhauls Executive Lineup to Bolster Regional and Strategic Functions
Mar 16, 2026
The Hyakujushi Bank, Ltd. announced a broad reshuffle of its executive officer lineup, effective April 1, 2026, aimed at strengthening regional management and key functional divisions. Several executives, including Hiroshi Masuda, Tetsuya Kaniwa, ...
Hyakujushi Bank Announces 4-for-1 Stock Split and Adjusts Shareholder Benefits
Feb 27, 2026
Hyakujushi Bank will implement a four-for-one stock split of its common shares effective April 1, 2026, aiming to lower the minimum investment amount, improve share liquidity, and attract a wider range of investors. In conjunction with the split, ...
Hyakujushi Bank Posts Strong Nine-Month Earnings and Doubles Dividend Forecast
Feb 3, 2026
Hyakujushi Bank reported strong consolidated results for the nine months ended 31 December 2025, with ordinary income rising 24.2% year on year to ¥78.9 billion, ordinary profit up 34.9% to ¥21.1 billion, and profit attributable to owner...
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.