Keiyo Bank, Ltd. (JP:8544)
:8544
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Keiyo Bank, Ltd.
(8544)
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Rating:68Neutral
Price Target:
¥2,558.00
▲(47.61% Upside)
Action:Downgraded
Date:05/14/26
The score is primarily supported by strong technical momentum (price above key moving averages with positive MACD). Financial performance is mixed: strong revenue and earnings trends are offset by high cash-flow volatility and meaningful leverage. Valuation is neutral with a mid-range P/E and modest dividend yield.
Positive Factors
Revenue Growth Momentum
FY2026 revenue up 34.9% and higher net income indicate durable top-line momentum driven by lending and fee activity. Sustained revenue growth expands the core earnings base, improves capital retention capacity, and supports medium-term lending and product initiatives.
Negative Factors
Volatile Cash Generation
Large swings in operating cash flow and prior negative years signal weak cash conversion and earnings quality risk. Volatile cash generation constrains reinvestment, heightens reliance on external funding, and reduces predictability for dividends and loan growth over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
FY2026 revenue up 34.9% and higher net income indicate durable top-line momentum driven by lending and fee activity. Sustained revenue growth expands the core earnings base, improves capital retention capacity, and supports medium-term lending and product initiatives.
Read all positive factors
Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥287.48B
Dividend Yield2.13%
Average Volume (3M)282.25K
Price to Earnings (P/E)15.3
Beta (1Y)1.25
Revenue Growth15.39%
EPS Growth26.92%
CountryJP
Employees1,832
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)93.77
Shares Outstanding126,427,860
10 Day Avg. Volume328,530
30 Day Avg. Volume282,250
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)0.75
Price to Sales (P/S)2.30
P/FCF Ratio93.28
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
Keiyo Bank, Ltd. Business Overview & Revenue Model
Company Description
The Keiyo Bank, Ltd. offers various banking products and services in Japan. It accepts deposits; and offers housing, mortgage, and consumer loans, as well as loans to small and medium-sized companies. As of March 31, 2021, the company operated in ...
How the Company Makes Money
Keiyo Bank primarily makes money through (1) net interest income and (2) non-interest income/fees. Net interest income is generated by collecting interest on loans and other interest-earning assets and paying interest on customer deposits and othe...
Keiyo Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 78.29B | 105.60B | 76.15B | 66.88B | 61.49B | 63.65B |
| Gross Profit | 70.55B | 90.95B | 70.97B | 65.67B | 62.99B | 60.02B |
| EBITDA | 15.94B | 28.80B | 22.24B | 18.91B | 18.63B | 19.80B |
| Net Income | 11.45B | 15.91B | 12.76B | 10.88B | 10.39B | 11.19B |
Balance Sheet | ||||||
| Total Assets | 6.60T | 6.65T | 6.56T | 6.55T | 6.58T | 6.90T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 874.63B | 917.71B | 1.05T | 1.23T | 1.72T |
| Total Debt | 664.14B | 661.15B | 685.98B | 737.66B | 495.90B | 2.73T |
| Total Liabilities | 6.28T | 6.32T | 6.25T | 6.22T | 6.28T | 6.61T |
| Stockholders Equity | 311.99B | 323.99B | 303.98B | 322.75B | 290.54B | 290.77B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.60B | 29.78B | 1.84B | -517.96B | 1.33T |
| Operating Cash Flow | 0.00 | 5.15B | 32.08B | -181.72B | -510.17B | 1.33T |
| Investing Cash Flow | 0.00 | -263.07B | -232.97B | -1.38B | 26.68B | -118.57B |
| Financing Cash Flow | 0.00 | 209.60B | 72.00B | -4.35B | -3.72B | -4.27B |
Keiyo Bank, Ltd. Technical Analysis
Positive
1733.00
Price Trends
2176.23
Positive
2037.26
Positive
1666.47
Positive
Market Momentum
79.19
Negative
69.81
Neutral
92.03
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8544, the sentiment is Positive. The current price of 1733 is below the 20-day moving average (MA) of 2256.65, below the 50-day MA of 2176.23, and above the 200-day MA of 1666.47, indicating a bullish trend. The MACD of 79.19 indicates Negative momentum. The RSI at 69.81 is Neutral, neither overbought nor oversold. The STOCH value of 92.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8544.
Keiyo Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥289.11B | 11.25 | 7.61% | 3.81% | 17.66% | 24.57% | |
70 Outperform | ¥331.33B | 13.05 | ― | 2.27% | 26.67% | 31.83% | |
69 Neutral | ¥287.33B | 12.97 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥287.48B | 15.26 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥291.65B | 12.58 | ― | 2.55% | 18.30% | 38.04% | |
55 Neutral | ¥239.00B | -94.53 | ― | 2.38% | 33.44% | 57.44% |
* Financial Sector Average
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Keiyo Bank, Ltd. Corporate Events
Keiyo Bank shifts shareholder return policy toward higher, stable dividends
May 12, 2026
Keiyo Bank has revised its shareholder return policy to emphasize a higher, more stable dividend payout while maintaining prudent capital management. The board approved the shift from a total return ratio approach to targeting a dividend payout ra...
Keiyo Bank Overhauls Governance and Leadership Ahead of Shift to Audit Committee Model
May 12, 2026
The Keiyo Bank, Ltd. has announced a broad reshuffle of its leadership, including the retirement of Vice President and Representative Director Tatsushi Ichikawa, as it prepares to shift from a traditional board of corporate auditors to a governanc...
Keiyo Bank to Restructure Governance with Audit and Supervisory Committee
May 12, 2026
Keiyo Bank plans to amend its Articles of Incorporation to transition to a company with an Audit and Supervisory Committee structure, replacing its existing Audit Supervisory Board framework. The move is intended to strengthen corporate governanc...
Keiyo Bank lifts dividend and reshapes reserves to boost capital flexibility
May 12, 2026
The Keiyo Bank, Ltd. has announced that its board will propose a higher year-end dividend for the fiscal year ended March 31, 2026, raising the payout to ¥23 per share from a previously forecast ¥21, and lifting the total annual dividend...
Keiyo Bank Boosts Ordinary Income by Over 35% on Strong Loan and Securities Gains
May 12, 2026
Keiyo Bank reported a sharp increase in ordinary income for the fiscal year ended March 31, 2026, reflecting stronger performance across its core banking operations. Consolidated ordinary income rose to ¥108.7 billion from ¥80.4 billion ...
Keiyo Bank boosts profit and dividends as earnings strengthen
May 12, 2026
Keiyo Bank reported a strong year for the fiscal period ended March 31, 2026, with ordinary income rising 35.1% to ¥108.66 billion and profit attributable to owners of the parent climbing 24.7% to ¥15.91 billion, lifting basic earnings p...
Keiyo Bank Leaves Approved Share Buyback Program Untapped So Far
May 1, 2026
The Keiyo Bank, Ltd., a regional lender listed on the TSE Prime Market, provides a range of commercial banking services to local customers and businesses, and routinely adjusts its capital structure to support stable operations and shareholder val...
Keiyo Bank Reports No Share Buybacks Yet Under Newly Authorized Program
Apr 1, 2026
Keiyo Bank, Ltd., a regional lender listed on the Tokyo Stock Exchange Prime Market, operates in the commercial banking sector with a focus on serving local customers through traditional banking services. The institution manages its capital struct...
Keiyo Bank Leaves Newly Approved Share Buyback Program Unused in February
Mar 2, 2026
The Keiyo Bank, Ltd. reported that, although it has board authorization to repurchase up to 6.5 million common shares for as much as 11 billion yen between February 10, 2026, and January 29, 2027, it did not acquire any of its own shares during th...
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.