Keiyo Bank, Ltd. (JP:8544)
:8544
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Keiyo Bank, Ltd.
(8544)
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Rating:71Outperform
Price Target:
¥2,503.00
▲(44.43% Upside)
Action:ReiteratedDate:02/07/26
The score is driven primarily by solid fundamentals (profitability and improved cash generation) tempered by balance-sheet leverage and modest ROE. Technicals add support due to a strong uptrend and positive MACD, though overbought signals increase near-term risk. Valuation is neutral based on the provided P/E and dividend yield.
Positive Factors
Revenue Growth
Consistent revenue growth of 4.77% demonstrates steady demand for Keiyo Bank's core lending, deposit and fee businesses. For a regional bank this supports sustainable earnings expansion, underpins loan portfolio utilization and provides room to fund branch and service investments over coming quarters.
Negative Factors
High Leverage
A debt-to-equity ratio of 2.26 signals significant leverage for a regional bank, increasing sensitivity to credit losses and interest-rate volatility. Elevated leverage constrains capital flexibility, heightens refinancing and regulatory risk, and can amplify earnings pressure in stressed environments.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth of 4.77% demonstrates steady demand for Keiyo Bank's core lending, deposit and fee businesses. For a regional bank this supports sustainable earnings expansion, underpins loan portfolio utilization and provides room to fund branch and service investments over coming quarters.
Read all positive factors
Keiyo Bank, Ltd. (8544) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥262.22B
Dividend Yield2.13%
Average Volume (3M)282.25K
Price to Earnings (P/E)14.4
Beta (1Y)1.22
Revenue Growth7.77%
EPS Growth5.80%
CountryJP
Employees1,832
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)28.79
Shares Outstanding126,427,860
10 Day Avg. Volume328,530
30 Day Avg. Volume282,250
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)0.36
Price to Sales (P/S)1.44
P/FCF Ratio3.69
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
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 | 78.29B | 76.15B | 66.88B | 61.49B | 63.65B | 58.05B |
| Gross Profit | 70.55B | 70.97B | 65.67B | 62.99B | 60.02B | 53.10B |
| EBITDA | 15.94B | 22.24B | 18.91B | 18.63B | 19.80B | 14.59B |
| Net Income | 11.45B | 12.76B | 10.88B | 10.39B | 11.19B | 7.38B |
Balance Sheet | ||||||
| Total Assets | 6.60T | 6.56T | 6.55T | 6.58T | 6.90T | 5.55T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 917.71B | 1.05T | 1.23T | 1.72T | 514.41B |
| Total Debt | 664.14B | 685.98B | 737.66B | 495.90B | 2.73T | 433.20B |
| Total Liabilities | 6.28T | 6.25T | 6.22T | 6.28T | 6.61T | 5.25T |
| Stockholders Equity | 311.99B | 303.98B | 322.75B | 290.54B | 290.77B | 293.10B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 29.78B | 1.84B | -517.96B | 1.33T | 361.81B |
| Operating Cash Flow | 0.00 | 32.08B | -181.72B | -510.17B | 1.33T | 366.40B |
| Investing Cash Flow | 0.00 | -232.97B | -1.38B | 26.68B | -118.57B | -99.75B |
| Financing Cash Flow | 0.00 | 72.00B | -4.35B | -3.72B | -4.27B | -2.25B |
Keiyo Bank, Ltd. Technical Analysis
Positive
1733.00
Price Trends
2061.42
Positive
1840.16
Positive
1501.00
Positive
Market Momentum
72.07
Negative
61.72
Neutral
83.19
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 2098.03, below the 50-day MA of 2061.42, and above the 200-day MA of 1501.00, indicating a bullish trend. The MACD of 72.07 indicates Negative momentum. The RSI at 61.72 is Neutral, neither overbought nor oversold. The STOCH value of 83.19 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥262.22B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
71 Outperform | ¥269.58B | 8.21 | 7.61% | 3.81% | 17.68% | 20.15% | |
68 Neutral | ¥283.46B | 9.68 | ― | 2.27% | 2.68% | 74.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥231.53B | 8.99 | ― | 2.38% | 8.43% | 38.21% | |
65 Neutral | ¥249.62B | 8.20 | ― | 3.46% | 11.92% | 16.40% | |
59 Neutral | ¥264.74B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
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Keiyo Bank, Ltd. Corporate Events
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...
Keiyo Bank to Adopt Audit and Supervisory Committee Structure to Strengthen Governance
Feb 9, 2026
The Keiyo Bank, Ltd. plans to transition from a company with a board of corporate auditors to a company with an audit and supervisory committee, subject to shareholder approval at its June 24, 2026 annual meeting. The move is intended to strengthe...
Keiyo Bank Again Lifts Profit and ROE Targets in Medium-Term Plan and Long-Term Vision
Feb 9, 2026
Keiyo Bank has revised upward the financial KPIs in its 20th Medium-term Business Plan and long-term vision after steady progress since April 2024 and a stronger-than-expected domestic financial environment. The lender now targets higher consolida...
Keiyo Bank Launches ¥11 Billion Share Buyback to Boost Capital Efficiency
Feb 9, 2026
Keiyo Bank has authorized a share repurchase program aimed at enhancing shareholder returns and improving capital efficiency, under provisions of Japan’s Companies Act. The planned buyback targets up to 6.5 million common shares, representin...
Keiyo Bank Lifts Year-End Dividend Forecast, Signals Stronger Shareholder Returns
Feb 9, 2026
The Keiyo Bank, Ltd. has revised its dividend forecast for the fiscal year ending March 31, 2026, raising the planned year-end dividend from ¥19.00 to ¥21.00 per share. Combined with the interim dividend of ¥19.00 already paid, the ...
Keiyo Bank Lifts Income and Dividends as Assets and Earnings Grow
Feb 9, 2026
Keiyo Bank reported strong growth in consolidated ordinary income for the nine months to December 31, 2025, with revenue up 33.4% year on year to ¥79.99 billion, while ordinary profit and profit attributable to owners of the parent edged high...
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.