Kita-Nippon Bank, Ltd. (JP:8551)
:8551
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Kita-Nippon Bank, Ltd.
(8551)
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Rating:70Outperform
Price Target:
¥5,797.00
▲(22.17% Upside)
Action:Upgraded
Date:05/15/26
The score is driven mainly by stable-to-improving financial performance (strong profitability and conservative leverage, but meaningful cash flow volatility) and supportive technical trend signals. Valuation further boosts the outlook with a low P/E and solid dividend yield.
Positive Factors
Conservative leverage and rising equity
Very low debt-to-equity and notable equity growth provide a durable capital buffer that supports ongoing lending, regulatory resilience and dividend policy. This strengthens the bank’s ability to absorb shocks and fund regional lending without needing rapid external recapitalization.
Negative Factors
Highly volatile cash generation history
Large historical swings in operating and free cash flow reduce confidence in recurring earnings quality and complicate multi-year planning. Volatility can force reactive balance sheet moves, constrain consistent dividend funding and raise execution risk for strategic investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and rising equity
Very low debt-to-equity and notable equity growth provide a durable capital buffer that supports ongoing lending, regulatory resilience and dividend policy. This strengthens the bank’s ability to absorb shocks and fund regional lending without needing rapid external recapitalization.
Read all positive factors
Kita-Nippon Bank, Ltd. (8551) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥42.29B
Dividend Yield3.28%
Average Volume (3M)19.24K
Price to Earnings (P/E)10.0
Beta (1Y)1.15
Revenue Growth17.02%
EPS Growth11.09%
CountryJP
Employees773
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)478.70
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 generated through (1) net interest income and (2) non-interest (fee) income. Net interest income comes from the spread between interest earned on interest-bearing assets (such as corporate and consumer loa...
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 | 25.52B | 30.03B | 23.79B | 26.87B | 21.49B | 20.98B |
| Gross Profit | 25.52B | 25.98B | 22.84B | 26.77B | 21.37B | 20.83B |
| EBITDA | 5.27B | 7.19B | 6.20B | 4.67B | 4.08B | 3.25B |
| Net Income | 4.03B | 4.36B | 4.01B | 3.07B | 2.66B | 2.11B |
Balance Sheet | ||||||
| Total Assets | 1.55T | 1.56T | 1.53T | 1.52T | 1.50T | 1.68T |
| Cash, Cash Equivalents and Short-Term Investments | 162.24B | 131.08B | 111.06B | 134.17B | 90.16B | 279.21B |
| Total Debt | 1.24B | 1.52B | 1.36B | 1.62B | 1.73B | 370.36B |
| Total Liabilities | 1.46T | 1.47T | 1.44T | 1.44T | 1.42T | 1.60T |
| Stockholders Equity | 87.72B | 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
Neutral
4745.00
Price Trends
5117.50
Positive
4955.77
Positive
4464.21
Positive
Market Momentum
48.80
Positive
46.40
Neutral
23.79
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8551, the sentiment is Neutral. The current price of 4745 is below the 20-day moving average (MA) of 5358.50, below the 50-day MA of 5117.50, and above the 200-day MA of 4464.21, indicating a neutral trend. The MACD of 48.80 indicates Positive momentum. The RSI at 46.40 is Neutral, neither overbought nor oversold. The STOCH value of 23.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8551.
Kita-Nippon Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥25.70B | 9.58 | ― | 3.50% | 18.83% | 12.15% | |
70 Outperform | ¥42.29B | 10.00 | ― | 3.28% | 17.02% | 11.09% | |
68 Neutral | ¥52.40B | 8.14 | ― | 1.20% | 19.44% | 62.45% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥28.49B | 14.20 | ― | 2.59% | 17.44% | 9.43% | |
59 Neutral | ¥17.21B | 14.88 | ― | 3.37% | 6.15% | -0.87% | |
57 Neutral | ¥50.77B | -2.15 | ― | 2.87% | 26.62% | -664.91% |
* Financial Sector Average
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Kita-Nippon Bank, Ltd. Corporate Events
Kita-Nippon Bank Lifts Earnings and Sharply Hikes Dividend for FY2026
May 13, 2026
Kita-Nippon Bank reported solid earnings growth for the fiscal year ended March 31, 2026, with ordinary income rising 14.8% to ¥30.3 billion and profit attributable to owners of the parent increasing 8.8% to ¥4.36 billion. The bank’...
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.