Miyazaki Bank Ltd. (JP:8393)
:8393
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Miyazaki Bank Ltd.
(8393)
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Rating:65Neutral
Price Target:
¥2,084.00
▼(-70.56% Downside)
Action:Downgraded
Date:05/13/26
The score is driven primarily by improving financial performance (strong recent revenue and net income growth) but is held back by higher balance-sheet leverage and inconsistent cash-flow behavior. Technicals are moderately constructive over longer horizons but not strongly bullish near-term, while valuation is supportive due to the low P/E and moderate dividend yield.
Positive Factors
Accelerating revenue and net income
Sustained top-line expansion and a meaningful rise in net income strengthen the bank’s core earning capacity. Over 2–6 months this supports higher internal capital generation, ability to fund lending and reserves, and gives management more flexibility for strategic initiatives and fee expansion.
Negative Factors
Elevated leverage
Persistently high leverage increases vulnerability to credit shocks or earnings volatility; it constrains flexibility to absorb losses and may force conservative lending or equity actions if asset quality weakens, making capital management a continual strategic priority.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue and net income
Sustained top-line expansion and a meaningful rise in net income strengthen the bank’s core earning capacity. Over 2–6 months this supports higher internal capital generation, ability to fund lending and reserves, and gives management more flexibility for strategic initiatives and fee expansion.
Read all positive factors
Miyazaki Bank Ltd. (8393) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥174.83B
Dividend Yield2.29%
Average Volume (3M)36.97K
Price to Earnings (P/E)10.1
Beta (1Y)1.15
Revenue Growth9.41%
EPS Growth45.91%
CountryJP
Employees1,424
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)121.08
Shares Outstanding85,667,000
10 Day Avg. Volume43,120
30 Day Avg. Volume36,970
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.67
Price to Sales (P/S)1.69
P/FCF Ratio6.51
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
74
Positive
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.13B | 88.42B | 78.32B | 67.09B | 62.00B | 58.36B |
| Gross Profit | 59.96B | 65.27B | 58.76B | 54.46B | 56.16B | 53.08B |
| EBITDA | 14.80B | 22.62B | 16.78B | 12.96B | 14.63B | 14.23B |
| Net Income | 10.30B | 14.09B | 9.78B | 7.09B | 8.13B | 7.47B |
Balance Sheet | ||||||
| Total Assets | 4.10T | 4.08T | 4.07T | 4.11T | 4.03T | 4.24T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 772.17B | 828.46B | 925.05B | 1.02T | 1.19T |
| Total Debt | 613.82B | 594.21B | 379.01B | 500.41B | 602.30B | 947.19B |
| Total Liabilities | 3.90T | 3.85T | 3.88T | 3.92T | 3.86T | 4.08T |
| Stockholders Equity | 196.69B | 222.34B | 189.64B | 189.85B | 163.16B | 159.13B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 23.03B | 79.98B | 64.20B | -198.67B | 485.93B |
| Operating Cash Flow | 0.00 | 23.73B | 80.68B | 65.51B | -196.26B | 487.69B |
| Investing Cash Flow | 0.00 | -25.43B | 30.54B | -134.71B | 27.26B | -14.87B |
| Financing Cash Flow | 0.00 | -54.66B | 3.97B | -22.57B | -1.90B | -1.73B |
Miyazaki Bank Ltd. Technical Analysis
Positive
7080.00
Price Trends
1921.83
Positive
1751.83
Positive
1340.61
Positive
Market Momentum
23.91
Negative
59.27
Neutral
70.85
Neutral
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 above the 20-day moving average (MA) of 1974.35, above the 50-day MA of 1921.83, and above the 200-day MA of 1340.61, indicating a bullish trend. The MACD of 23.91 indicates Negative momentum. The RSI at 59.27 is Neutral, neither overbought nor oversold. The STOCH value of 70.85 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥176.12B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | ¥1.28T | 13.04 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥637.95B | 12.87 | 5.53% | 2.02% | 5.69% | 24.72% | |
65 Neutral | ¥174.83B | 10.12 | ― | 2.29% | 9.41% | 45.91% | |
65 Neutral | ¥87.68B | 9.19 | ― | 2.29% | 11.72% | 14.29% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% |
* Financial Sector Average
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Miyazaki Bank Ltd. Corporate Events
Miyazaki Bank to Lift Annual Dividend by 40% in Fiscal 2026
May 12, 2026
The Miyazaki Bank, Ltd. has unveiled a new dividend forecast for the fiscal year ending March 2027, setting its annual dividend at 56 yen per share, a 40% increase from the prior year after adjusting for a recent 5-for-1 stock split. The payout wi...
Miyazaki Bank Reshapes Top Leadership with New Representative Director
May 12, 2026
The Miyazaki Bank, Ltd. announced that its Board of Directors has approved a change in representative directors as part of an executive personnel reshuffle, reflecting an internal realignment of leadership responsibilities. Yoshihisa Nishikawa wil...
Miyazaki Bank Boosts Profit and Payout on Strong FY2026 Results
May 12, 2026
Miyazaki Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 12.4% to ¥90.2 billion and ordinary profit jumping 42.1% to ¥19.8 billion, while profit attributable to owners surge...
Miyazaki Bank Launches Shareholder Perks to Promote Long-Term Investment and Regional Appeal
Apr 24, 2026
The Miyazaki Bank will introduce a shareholder benefit program from fiscal 2027 to reward investors, make its stock more attractive, and encourage long-term shareholding. The initiative also aims to showcase Miyazaki’s local specialties and ...
Miyazaki Bank Sets 40% Payout Target and Launches Flexible Shareholder Return Policy
Apr 24, 2026
The Miyazaki Bank, Ltd. has adopted a new shareholder return policy that targets a dividend payout ratio of around 40% by the fiscal year ending March 31, 2029, the final year of its current medium-term management plan. The bank also plans to rais...
Miyazaki Bank Launches Three-Year ‘SHINKA’ Plan to Accelerate Digital Growth and Regional Co-Creation
Apr 24, 2026
The Miyazaki Bank has unveiled a new three-year medium-term management plan, “First Call Bank 2.0 ‘SHINKA,’” running from April 2026 to March 2029 as a growth acceleration stage toward its 2032 centennial vision. Framed aro...
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.