Miyazaki Bank Ltd. (JP:8393)
:8393
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Miyazaki Bank Ltd.
(8393)
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Rating:72Outperform
Price Target:
¥10,811.00
▲(52.70% Upside)
Action:ReiteratedDate:01/16/26
The score is driven primarily by solid financial performance (strong growth and cash conversion, tempered by high leverage). Technicals are supportive due to a strong uptrend and positive MACD, but very overbought readings add near-term risk. Valuation is a constructive offset with a low P/E and a moderate dividend yield.
Positive Factors
Sustained Revenue Growth
A 15.52% revenue increase reflects expanding loan originations and fee businesses in the bank's core region. Durable top-line expansion strengthens scale economics, funds reinvestment in branches and services, and supports resilience versus localized economic cycles over months.
Negative Factors
High Leverage
A debt-to-equity ratio of 3.56 signals significant leverage that raises sensitivity to rising funding costs or credit shocks. High leverage limits balance-sheet flexibility, increases default vulnerability during downturns, and can constrain strategic investments without de-risking measures.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
A 15.52% revenue increase reflects expanding loan originations and fee businesses in the bank's core region. Durable top-line expansion strengthens scale economics, funds reinvestment in branches and services, and supports resilience versus localized economic cycles over months.
Read all positive factors
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥159.12B
Dividend Yield2.29%
Average Volume (3M)36.97K
Price to Earnings (P/E)7.5
Beta (1Y)1.14
Revenue Growth13.93%
EPS Growth54.44%
CountryJP
Employees1,424
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)216.48
Shares Outstanding17,133,400
10 Day Avg. Volume43,120
30 Day Avg. Volume36,970
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.30
Price to Sales (P/S)0.72
P/FCF Ratio0.71
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
Miyazaki Bank Ltd. Business Overview & Revenue Model
Company Description
The Miyazaki Bank, Ltd. provides banking products and services to individual and corporate clients in Japan. It offers deposit, loan, domestic and foreign exchange, and other related services, as well as general retail banking and related financia...
How the Company Makes Money
Miyazaki Bank’s earnings are primarily driven by its banking intermediation and fee-based services. (1) Net interest income: The bank collects interest on loans and other interest-earning assets and pays interest on deposits and other funding; the...
Miyazaki Bank Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.13B | 78.32B | 67.09B | 62.00B | 58.36B | 53.77B |
| Gross Profit | 59.96B | 58.76B | 54.46B | 56.16B | 53.08B | 51.41B |
| EBITDA | 14.80B | 16.78B | 12.96B | 14.63B | 14.23B | 14.75B |
| Net Income | 10.30B | 9.78B | 7.09B | 8.13B | 7.47B | 8.00B |
Balance Sheet | ||||||
| Total Assets | 4.10T | 4.07T | 4.11T | 4.03T | 4.24T | 3.65T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 828.46B | 925.05B | 1.02T | 1.19T | 720.68B |
| Total Debt | 613.82B | 379.01B | 500.41B | 602.30B | 947.19B | 517.26B |
| Total Liabilities | 3.90T | 3.88T | 3.92T | 3.86T | 4.08T | 3.50T |
| Stockholders Equity | 196.69B | 189.64B | 189.85B | 163.16B | 159.13B | 158.58B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 79.98B | 64.20B | -198.67B | 485.93B | 254.53B |
| Operating Cash Flow | 0.00 | 80.68B | 65.51B | -196.26B | 487.69B | 256.48B |
| Investing Cash Flow | 0.00 | 30.54B | -134.71B | 27.26B | -14.87B | -97.33B |
| Financing Cash Flow | 0.00 | 3.97B | -22.57B | -1.90B | -1.73B | -1.99B |
Miyazaki Bank Ltd. Technical Analysis
Positive
7080.00
Price Trends
8759.00
Positive
7359.45
Positive
5739.08
Positive
Market Momentum
147.72
Negative
56.70
Neutral
83.01
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8393, the sentiment is Positive. The current price of 7080 is below the 20-day moving average (MA) of 9069.00, below the 50-day MA of 8759.00, and above the 200-day MA of 5739.08, indicating a bullish trend. The MACD of 147.72 indicates Negative momentum. The RSI at 56.70 is Neutral, neither overbought nor oversold. The STOCH value of 83.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8393.
Miyazaki Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥159.12B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
72 Outperform | ¥149.05B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
69 Neutral | ¥99.18B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
68 Neutral | ¥81.38B | 7.94 | ― | 2.29% | 7.97% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.19T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
66 Neutral | ¥522.52B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% |
* Financial Sector Average
JP:8393
Miyazaki Bank Ltd.
9,500.00
6,102.77
179.64%
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1,159.14
98.33%
Miyazaki Bank Ltd. Corporate Events
Miyazaki Bank Announces Five-for-One Share Split and Boosts Share Authorization
Feb 13, 2026
The Miyazaki Bank, Ltd. will conduct a five-for-one split of its common shares, aiming to reduce the per-unit investment price and make its stock more accessible to a wider range of shareholders and investors. The move is intended to enhance liqui...
Miyazaki Bank Lifts Full-Year Profit Outlook and Hikes Dividend
Feb 13, 2026
The Miyazaki Bank has revised upward its full-year earnings forecasts for the fiscal year ending March 31, 2026, reflecting stronger-than-expected performance through the third quarter and favorable operating trends. Consolidated ordinary revenues...
Miyazaki Bank Lifts Profit Outlook and Dividend on Strong Nine-Month Results
Feb 13, 2026
Miyazaki Bank reported solid performance for the nine months ended December 31, 2025, with ordinary income rising 11.6% year on year to ¥66.7 billion and ordinary profit up 27.2% to ¥14.7 billion, while profit attributable to owners of t...
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.