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Kita-Nippon Bank, Ltd. (JP:8551)
:8551
Japanese Market
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Kita-Nippon Bank, Ltd. (8551) AI Stock Analysis

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JP:8551

Kita-Nippon Bank, Ltd.

(8551)

Rating:78Outperform
Price Target:
¥4,288.00
▲(11.09% Upside)
Kita-Nippon Bank's stock is rated positively due to strong financial performance and attractive valuation. The technical analysis indicates bullish momentum, although caution is advised due to overbought signals. The absence of earnings call data and corporate events does not impact the score significantly.

Kita-Nippon Bank, Ltd. (8551) vs. iShares MSCI Japan ETF (EWJ)

Kita-Nippon Bank, Ltd. Business Overview & Revenue Model

Company DescriptionKita-Nippon Bank, Ltd. (8551) is a regional bank based in Japan, primarily serving the northern part of the country. The bank provides a range of financial services, including retail banking, corporate banking, and investment services. Its core products include savings and checking accounts, loans for individuals and businesses, and various investment products. Kita-Nippon Bank aims to support local economic development by offering tailored financial solutions to meet the needs of its community and corporate clients.
How the Company Makes MoneyKita-Nippon Bank generates revenue primarily through interest income from loans extended to retail and corporate customers. The bank charges interest on various loan products, including personal loans, mortgages, and business loans, which constitutes a significant portion of its earnings. Additionally, the bank earns income from fees for services such as account maintenance, transaction processing, and investment advisory services. Other revenue streams include income from its investment portfolio, which may consist of government bonds, corporate bonds, and equities. Partnerships with local businesses and community organizations also play a role in attracting deposits and loans, further contributing to the bank's financial performance.

Kita-Nippon Bank, Ltd. Financial Statement Overview

Summary
Kita-Nippon Bank demonstrates a solid financial position with improving profitability and reduced leverage. The consistent revenue and profit growth, along with a strong cash flow position, suggest a positive outlook. However, missing data on certain metrics and historical cash flow volatility present areas for caution.
Income Statement
75
Positive
Kita-Nippon Bank has shown consistent revenue growth over the years, with a notable increase in net profit margin from 10.14% in 2022 to 16.17% in 2025. The EBIT margin has also improved, indicating better operational efficiency. However, the gross profit margin is not available, which limits a complete analysis of cost management.
Balance Sheet
70
Positive
The bank has significantly reduced its debt-to-equity ratio from over 2.37 in 2021 to 0.015 in 2025, indicating improved financial stability. The return on equity has increased, reflecting better profitability. However, the equity ratio is not provided, which is crucial for assessing the bank's financial leverage.
Cash Flow
65
Positive
The free cash flow has shown substantial growth, with a positive trajectory in recent years. The operating cash flow to net income ratio is strong, indicating efficient cash generation relative to net income. However, historical negative cash flows in some years highlight potential volatility in cash management.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue25.28B25.28B24.71B21.49B20.98B20.97B
Gross Profit25.28B25.28B27.25B22.34B20.83B20.97B
EBITDA3.78B4.98B4.67B4.08B3.25B3.21B
Net Income4.01B4.01B3.07B2.66B2.11B1.52B
Balance Sheet
Total Assets1.53T1.53T1.52T1.50T1.68T1.67T
Cash, Cash Equivalents and Short-Term Investments111.06B111.06B134.17B90.16B279.21B316.40B
Total Debt1.36B1.36B1.62B1.73B185.36B177.02B
Total Liabilities1.44T1.44T1.44T1.42T1.60T1.59T
Stockholders Equity86.46B86.46B86.04B75.27B75.37B74.47B
Cash Flow
Free Cash Flow0.004.71B-28.58B-212.06B-31.48B213.03B
Operating Cash Flow0.005.29B-27.36B-210.95B-30.53B213.67B
Investing Cash Flow0.00-4.99B71.83B22.79B-5.78B-837.00M
Financing Cash Flow0.00-1.90B17.86B-546.00M-591.00M-465.00M

Kita-Nippon Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3860.00
Price Trends
50DMA
3376.94
Positive
100DMA
3124.24
Positive
200DMA
3063.45
Positive
Market Momentum
MACD
120.86
Positive
RSI
71.11
Negative
STOCH
60.00
Neutral
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 3860 is above the 20-day moving average (MA) of 3692.25, above the 50-day MA of 3376.94, and above the 200-day MA of 3063.45, indicating a bullish trend. The MACD of 120.86 indicates Positive momentum. The RSI at 71.11 is Negative, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥31.97B8.05
2.59%10.71%14.40%
77
Outperform
¥35.80B6.17
3.09%12.18%62.82%
72
Outperform
¥12.96B11.21
3.68%7.67%-26.27%
72
Outperform
¥17.05B6.95
3.60%14.06%20.87%
69
Neutral
¥16.01B11.13
3.59%2.61%-7.91%
68
Neutral
$17.81B11.8710.24%3.74%9.75%1.30%
60
Neutral
¥24.67B5.54
1.67%1.45%73.78%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8551
Kita-Nippon Bank, Ltd.
3,860.00
1,476.49
61.95%
JP:8338
Tsukuba Bank, Ltd.
299.00
63.46
26.94%
JP:8349
Tohoku Bank, Ltd.
1,359.00
236.04
21.02%
JP:8537
Taiko Bank, Ltd.
1,806.00
431.28
31.37%
JP:8542
Tomato Bank, Ltd.
1,393.00
262.67
23.24%
JP:8558
Towa Bank, Ltd.
970.00
408.88
72.87%

Kita-Nippon Bank, Ltd. Corporate Events

Kita-Nippon Bank to Establish Investment Subsidiary for Regional Revitalization
Apr 24, 2025

Kita-Nippon Bank, Ltd. has announced the establishment of a wholly-owned subsidiary, Kitagin Capital Partners Co., Ltd., to specialize in investment. This move aligns with the bank’s medium-term management plan to enhance its financial services and support regional revitalization by aiding local businesses in succession planning and value maximization. The subsidiary aims to contribute to the growth of investee companies, maintain local employment, and preserve intangible assets, with its establishment scheduled for July 2025. The financial impact on the bank’s consolidated results is expected to be minimal.

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.Date of analysis: Aug 29, 2025