Kita-Nippon Bank, Ltd. (8551) AI Stock Analysis

• Market Cap: ¥31.35B
• Dividend Yield: 3.5%
• Average Volume (3M): 19.24K
• Price to Earnings (P/E): 7.9
• Beta (1Y): 1.09
• Revenue Growth: 22.26%
• EPS Growth: -12.68%
• Country: JP
• Employees: 773
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 116.41
• Shares Outstanding: 8,593,776
• 10 Day Avg. Volume: 15,080
• 30 Day Avg. Volume: 19,243
• PEG Ratio: 0.22
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 1.07
• P/FCF Ratio: 5.75
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: ¥4,590.00 ▲(9.03% Upside)

Kita-Nippon Bank's stock is rated positively due to its strong financial performance and bullish technical indicators. The attractive valuation further supports the stock's potential. However, caution is advised due to missing data on certain financial metrics and historical cash flow volatility.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for the bank's services, enhancing its market position and supporting long-term financial stability.

Improved Profitability

Improved profitability reflects better cost management and operational efficiency, contributing to sustainable financial performance.

Reduced Leverage

Reduced leverage enhances financial stability and lowers risk, providing the bank with greater flexibility to invest in growth opportunities.

Negative Factors

Historical Cash Flow Volatility

Cash flow volatility can impact the bank's ability to consistently fund operations and investments, posing a risk to long-term financial health.

Missing Financial Metrics

Lack of complete financial data limits comprehensive analysis, potentially obscuring risks and affecting strategic decision-making.

Decline in EPS Growth

A decline in EPS growth suggests challenges in maintaining profitability, which could affect investor confidence and future earnings potential.

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

Company Description

Kita-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 Money

Kita-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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	25.52B	23.79B	26.87B	21.49B	20.98B	20.26B
Gross Profit	25.52B	22.84B	26.77B	21.37B	20.83B	20.07B
EBITDA	5.27B	6.20B	4.67B	4.08B	3.25B	3.21B
Net Income	4.03B	4.01B	3.07B	2.66B	2.11B	1.52B
Balance Sheet
Total Assets	1.55T	1.53T	1.52T	1.50T	1.68T	1.67T
Cash, Cash Equivalents and Short-Term Investments	0.00	111.06B	134.17B	90.16B	279.21B	316.40B
Total Debt	1.24B	1.36B	1.62B	1.73B	185.36B	177.02B
Total Liabilities	1.46T	1.44T	1.44T	1.42T	1.60T	1.59T
Stockholders Equity	87.72B	86.46B	86.04B	75.27B	75.37B	74.47B
Cash Flow
Free Cash Flow	0.00	4.71B	-28.58B	-212.06B	-31.48B	213.03B
Operating Cash Flow	0.00	5.29B	-27.36B	-210.95B	-30.53B	213.67B
Investing Cash Flow	0.00	-4.99B	71.83B	22.79B	-5.78B	-837.00M
Financing Cash Flow	0.00	-1.90B	17.86B	-546.00M	-591.00M	-465.00M

Kita-Nippon Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4210.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4210 is above the 20-day moving average (MA) of 3914.00, above the 50-day MA of 3807.51, and above the 200-day MA of 3283.63, indicating a bullish trend. The MACD of 109.43 indicates Negative momentum. The RSI at 65.70 is Neutral, neither overbought nor oversold. The STOCH value of 82.75 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8537	77 Outperform	¥16.54B	6.75	―	3.77%	16.60%	-5.51%
8551	75 Outperform	¥31.35B	7.89	―	3.50%	22.26%	-12.68%
8338	72 Outperform	¥27.89B	4.68	―	1.57%	8.45%	168.74%
8349	72 Outperform	¥12.54B	7.83	―	3.73%	13.77%	19.09%
8558	69 Neutral	¥34.73B	5.99	―	3.22%	16.42%	119.62%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	64 Neutral	¥15.94B	11.09	―	3.55%	2.61%	-7.91%

Kita-Nippon Bank, Ltd. Corporate Events

Kita-Nippon Bank Reports Strong Income Growth Despite Profit Decline

Kita-Nippon Bank, Ltd. reported its consolidated financial results for the six months ended September 30, 2025, showing a 13% increase in ordinary income to ¥14,668 million, while ordinary profit rose by 3.7% to ¥3,087 million. However, profit attributable to owners of the parent decreased by 7.5% to ¥2,097 million. The bank’s comprehensive income surged by 495.2% to ¥5,308 million, indicating strong overall performance despite a decline in profit attributable to owners. The bank also revised its cash dividend forecast, increasing the annual dividend per share to ¥168.00 for the fiscal year ending March 31, 2026, reflecting a positive outlook for stakeholders.

The most recent analyst rating on (JP:8551) stock is a Buy with a Yen4127.00 price target. To see the full list of analyst forecasts on Kita-Nippon Bank, Ltd. stock, see the JP:8551 Stock Forecast page.

Kita-Nippon Bank Upgrades Financial Forecasts Amid Rising Interest Income

Kita-Nippon Bank has revised its financial forecasts for the six months ending September 30, 2025, showing significant increases in ordinary income and profit due to higher-than-expected net interest income. This upward revision suggests a positive impact on the bank’s financial health and could enhance its market positioning, benefiting stakeholders.

The most recent analyst rating on (JP:8551) stock is a Buy with a Yen4127.00 price target. To see the full list of analyst forecasts on Kita-Nippon Bank, Ltd. stock, see the JP:8551 Stock Forecast page.