Awa Bank, Ltd. (JP:8388)
:8388
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Awa Bank, Ltd.
(8388)
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Rating:71Outperform
Price Target:
¥7,426.00
▲(61.08% Upside)
Action:Upgraded
Date:05/16/26
The score is driven primarily by improving profitability and a strong technical uptrend, supported by reasonable valuation. Offsetting these positives is the key risk of cash-flow instability and only modest returns on equity, which lowers confidence in the durability of performance.
Positive Factors
Improving Profitability
Sustained net income growth and healthy reported margins (about 17% net margin in 2025) support internal capital generation and resiliency. Over the next 2–6 months this strengthens the bank's ability to fund lending, absorb shocks, and maintain dividend or reinvestment capacity without relying on volatile external funding.
Negative Factors
Volatile Cash Generation
Wide swings in operating cash flow reduce predictability of funding for loans, capital spending, and dividends. This volatility raises risk that the bank may need external funding or cut discretionary investments during downturns, weakening the reliability of reported earnings and capital planning over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Sustained net income growth and healthy reported margins (about 17% net margin in 2025) support internal capital generation and resiliency. Over the next 2–6 months this strengthens the bank's ability to fund lending, absorb shocks, and maintain dividend or reinvestment capacity without relying on volatile external funding.
Read all positive factors
Awa Bank, Ltd. (8388) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥266.40B
Dividend Yield2.53%
Average Volume (3M)52.99K
Price to Earnings (P/E)16.6
Beta (1Y)1.02
Revenue Growth16.63%
EPS Growth19.98%
CountryJP
Employees1,332
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)319.91
Shares Outstanding40,000,000
10 Day Avg. Volume54,740
30 Day Avg. Volume52,990
Financial Highlights & Ratios
PEG Ratio0.72
Price to Book (P/B)0.56
Price to Sales (P/S)2.37
P/FCF Ratio18.91
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
Awa Bank, Ltd. Business Overview & Revenue Model
Company Description
The Awa Bank, Ltd. provides banking products and services to individual and corporate customers in Japan. The company offers general accounts, saving deposits, time deposits, and foreign currency deposits, as well as certificates of deposit; and i...
How the Company Makes Money
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Awa Bank, Ltd. Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
64
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 75.93B | 93.94B | 75.71B | 72.81B | 85.75B | 66.11B |
| Gross Profit | 67.83B | 81.69B | 67.62B | 62.55B | 77.49B | 61.72B |
| EBITDA | 16.91B | 24.71B | 20.55B | 19.27B | 17.70B | 19.07B |
| Net Income | 12.71B | 15.53B | 13.20B | 11.26B | 10.21B | 11.11B |
Balance Sheet | ||||||
| Total Assets | 4.03T | 4.17T | 4.02T | 3.92T | 3.85T | 3.98T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 346.44B | 427.65B | 402.27B | 482.87B | 690.24B |
| Total Debt | 193.44B | 225.60B | 216.41B | 213.13B | 128.11B | 605.05B |
| Total Liabilities | 3.69T | 3.77T | 3.69T | 3.59T | 3.57T | 3.69T |
| Stockholders Equity | 338.84B | 399.62B | 334.22B | 332.62B | 278.76B | 288.40B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.78B | 36.74B | 2.49B | -325.82B | 92.37B |
| Operating Cash Flow | 0.00 | 14.17B | 38.54B | 5.69B | -321.75B | 96.67B |
| Investing Cash Flow | 0.00 | -104.15B | 1.99B | -72.30B | 93.25B | -37.03B |
| Financing Cash Flow | 0.00 | 33.73B | 65.85B | -13.75B | -3.60B | -2.27B |
Awa Bank, Ltd. Technical Analysis
Positive
4610.00
Price Trends
6189.00
Positive
5658.77
Positive
4625.95
Positive
Market Momentum
189.14
Negative
64.47
Neutral
81.02
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8388, the sentiment is Positive. The current price of 4610 is below the 20-day moving average (MA) of 6470.00, below the 50-day MA of 6189.00, and below the 200-day MA of 4625.95, indicating a bullish trend. The MACD of 189.14 indicates Negative momentum. The RSI at 64.47 is Neutral, neither overbought nor oversold. The STOCH value of 81.02 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8388.
Awa Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥249.46B | 19.78 | ― | 3.00% | 21.20% | 17.32% | |
71 Outperform | ¥266.40B | 16.56 | ― | 2.53% | 16.63% | 19.98% | |
69 Neutral | ¥290.12B | 14.66 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥287.36B | 18.41 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥291.76B | 10.78 | ― | 2.55% | 18.30% | 38.04% | |
55 Neutral | ¥238.77B | -94.53 | ― | 2.38% | 33.44% | 57.44% |
* Financial Sector Average
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Awa Bank, Ltd. Corporate Events
Awa Bank Lifts 2027 Profitability and Dividend Targets After Beating Midterm Goals
May 15, 2026
The Awa Bank, Ltd., a regional lender listed on the TSE Prime Market, provides core banking services to local customers while promoting ESG-related financing and a higher ratio of women in managerial positions. The bank positions itself as a drive...
Awa Bank Tightens Focus on Dividends in Revised Shareholder Return Policy
May 15, 2026
The Awa Bank, Ltd. has revised its shareholder return policy to emphasize a dividend payout ratio of 40% or more of profit attributable to owners of parent, shifting from a broader shareholder return ratio that combined dividends and share buyback...
Awa Bank Sharpens Shareholder Focus With Steep Dividend Hikes
May 15, 2026
The Awa Bank, Ltd. has approved a significant increase in its year-end dividend for the fiscal year ended March 31, 2026, raising it to ¥82.5 per share, including a ¥10 commemorative component, versus a prior forecast of ¥70. Combin...
Awa Bank Lifts Profits and Capital, Boosts Payouts Ahead of 130th Anniversary
May 15, 2026
Awa Bank reported consolidated ordinary income of ¥95.36 billion for the fiscal year ended March 31, 2026, up 20.7% year on year, with ordinary profit rising 22.1% to ¥21.83 billion and profit attributable to owners of parent increasing ...
Awa Bank Completes ¥1 Billion Share Buyback Program
Mar 13, 2026
The Awa Bank, Ltd. has completed a share buyback authorized by its board, acquiring 175,000 common shares for a total of 999,714,000 yen through market purchases on the Tokyo Stock Exchange. The latest tranche, executed between March 1 and March 1...
Awa Bank Reports Progress on Share Buyback Program
Mar 2, 2026
The Awa Bank, Ltd. has reported the progress of its share buyback program authorized under Japan’s Companies Act, targeting common shares as part of capital management efforts. Between February 4 and February 28, 2026, the bank repurchased 1...
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.