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Kita-Nippon Bank, Ltd.
(8551)
Select Model
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Rating:69Neutral
Price Target:
¥8,125.00
▲(71.23% Upside)
Action:Downgraded
Date:07/14/26
The score is primarily supported by strong technical uptrend and positive momentum, plus a reasonable valuation with a ~3% dividend yield. Offsetting these positives, financial performance is tempered by high historical cash flow volatility and balance sheet consistency concerns despite improving earnings and currently low leverage.
Positive Factors
Revenue and Earnings Growth
Strong revenue and net income growth indicate improving earnings capacity across the regional banking franchise, providing a stronger base for loan, deposit and fee income over the next several quarters.
Negative Factors
Low Capital Efficiency
Mid-single-digit ROE shows that the bank is generating only modest returns from its capital base. This may constrain long-term earnings compounding unless asset utilization, pricing or fee generation improves.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Earnings Growth
Strong revenue and net income growth indicate improving earnings capacity across the regional banking franchise, providing a stronger base for loan, deposit and fee income over the next several quarters.
Read all positive factors
Kita-Nippon Bank, Ltd. (8551) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥60.34B
Dividend Yield2.41%
Average Volume (3M)19.24K
Price to Earnings (P/E)12.4
Beta (1Y)1.21
Revenue Growth17.34%
EPS Growth27.36%
CountryJP
Employees771
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)610.54
Shares Outstanding8,443,776
10 Day Avg. Volume15,080
30 Day Avg. Volume19,243
Financial Highlights & Ratios
PEG Ratio0.77
Price to Book (P/B)0.39
Price to Sales (P/S)1.24
P/FCF Ratio2.95
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
Kita-Nippon Bank, Ltd. Business Overview & Revenue Model
Company Description
The Kita-Nippon Bank, Ltd., operating alongside its subsidiaries, provides diverse commercial banking solutions across Japan. Its offerings encompass accepting various deposits, including certificates of deposit, and extending loans for business, ...
How the Company Makes Money
Kita-Nippon Bank’s earnings are primarily driven by the standard regional bank model: (1) Net interest income: The bank collects deposits and other funding and deploys those funds into interest-earning assets such as corporate loans, SME loans, ho...
Kita-Nippon Bank, Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
72
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.86B | 30.03B | 23.79B | 26.87B | 21.49B | 20.98B |
| Gross Profit | 27.45B | 25.98B | 22.84B | 26.77B | 21.37B | 20.83B |
| EBITDA | 7.06B | 7.19B | 6.20B | 4.67B | 4.08B | 3.25B |
| Net Income | 5.03B | 4.36B | 4.01B | 3.07B | 2.66B | 2.11B |
Balance Sheet | ||||||
| Total Assets | 1.59T | 1.56T | 1.53T | 1.52T | 1.50T | 1.68T |
| Cash, Cash Equivalents and Short-Term Investments | 165.90B | 131.08B | 111.06B | 134.17B | 90.16B | 279.21B |
| Total Debt | 1.38B | 1.52B | 1.36B | 1.62B | 1.73B | 370.36B |
| Total Liabilities | 1.50T | 1.47T | 1.44T | 1.44T | 1.42T | 1.60T |
| Stockholders Equity | 96.16B | 95.02B | 86.46B | 86.04B | 75.27B | 75.37B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 12.56B | 4.71B | 0.00 | -212.06B | -31.48B |
| Operating Cash Flow | 0.00 | 13.75B | 5.29B | 0.00 | -210.95B | -30.53B |
| Investing Cash Flow | 0.00 | -22.29B | -4.99B | 71.83B | 22.79B | -5.78B |
| Financing Cash Flow | 0.00 | 19.66B | -1.90B | 17.86B | -546.00M | -591.00M |
Kita-Nippon Bank, Ltd. Technical Analysis
Positive
4745.00
Price Trends
6066.40
Positive
5521.56
Positive
4982.88
Positive
Market Momentum
365.61
Negative
76.58
Negative
87.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8551, the sentiment is Positive. The current price of 4745 is below the 20-day moving average (MA) of 6833.50, below the 50-day MA of 6066.40, and below the 200-day MA of 4982.88, indicating a bullish trend. The MACD of 365.61 indicates Negative momentum. The RSI at 76.58 is Negative, neither overbought nor oversold. The STOCH value of 87.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8551.
Kita-Nippon Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥63.46B | 9.08 | ― | 1.20% | 19.48% | 57.42% | |
69 Neutral | ¥60.34B | 12.45 | ― | 3.28% | 17.34% | 27.36% | |
69 Neutral | ¥22.05B | 9.77 | ― | 2.97% | 9.09% | 70.21% | |
61 Neutral | ¥29.33B | 13.08 | ― | 3.50% | 19.65% | -7.81% | |
60 Neutral | ¥36.91B | 15.32 | ― | 2.59% | 21.18% | 10.36% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ¥54.25B | -1.86 | ― | 2.87% | 25.84% | -628.29% |
* General Sector Average
JP:8551
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Kita-Nippon Bank, Ltd. Corporate Events
Kita-Nippon Bank Posts Strong Q1 Earnings and Announces 3-for-1 Stock Split
Jul 31, 2026
Kita-Nippon Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income up 27.5% year on year and ordinary profit jumping 58.2%, driving profit attributable to owners of the parent 58.6% higher and lift...
Kita-Nippon Bank Completes Restricted Stock Grant to Executives
Jul 22, 2026
The Kita-Nippon Bank has completed payment procedures for the disposal of treasury stock used as restricted stock remuneration for its senior management. The bank issued 6,000 common shares, valued at a total of 31.86 million yen, to seven interna...
Kita-Nippon Bank to Grant Restricted Treasury Shares to Directors and Executives
Jun 24, 2026
Kita-Nippon Bank will dispose of 6,000 shares of its treasury stock on July 22, 2026 as restricted stock remuneration for seven internal directors and one senior executive officer. The shares, priced at 5,310 yen each for a total of 31.86 million ...
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.