Kita-Nippon Bank, Ltd. (JP:8551)
:8551
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Kita-Nippon Bank, Ltd.
(8551)
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Rating:68Neutral
Price Target:
¥5,330.00
▲(12.33% Upside)
Action:ReiteratedDate:03/06/26
The score is primarily supported by solid financial performance (improving profitability and materially reduced leverage) and favorable valuation (low P/E and healthy dividend). These positives are partly offset by weaker near-term technicals, with oversold signals and price below the 20-day average indicating short-term pressure.
Positive Factors
Improving Profitability
Sustained margin expansion over multiple years indicates stronger pricing, improved cost control, and operational leverage. This deeper profitability supports internal capital generation, higher retained earnings for lending or investment, and more durable dividend capacity over the medium term.
Negative Factors
Cash Flow Volatility
Past episodes of negative cash flow suggest cash generation can be uneven, introducing execution and liquidity risk during downturns. Even with recent improvement, this volatility can constrain consistent capital deployment and requires maintaining larger liquidity buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Sustained margin expansion over multiple years indicates stronger pricing, improved cost control, and operational leverage. This deeper profitability supports internal capital generation, higher retained earnings for lending or investment, and more durable dividend capacity over the medium term.
Read all positive factors
Kita-Nippon Bank, Ltd. (8551) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥38.67B
Dividend Yield3.28%
Average Volume (3M)19.24K
Price to Earnings (P/E)10.6
Beta (1Y)1.22
Revenue Growth18.67%
EPS Growth-17.66%
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 Ratio0.22
Price to Book (P/B)0.31
Price to Sales (P/S)1.14
P/FCF Ratio5.75
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., together with its subsidiaries, provides commercial banking products and services in Japan. The company accepts various deposits and certificates of deposit; and offers business, housing, and other loans. It also provid...
How the Company Makes Money
Kita-Nippon Bank generates revenue primarily through interest income derived from loans extended to customers, including personal, business, and agricultural loans. The bank also earns income from fees associated with account maintenance, transact...
Kita-Nippon Bank, Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
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 | 370.36B | 353.58B |
| 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 | 0.00 | -212.06B | -31.48B | 213.03B |
| Operating Cash Flow | 0.00 | 5.29B | 0.00 | -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
Positive
4745.00
Price Trends
4820.65
Positive
4630.53
Positive
4046.42
Positive
Market Momentum
80.82
Negative
60.10
Neutral
85.63
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 4751.11, below the 50-day MA of 4820.65, and above the 200-day MA of 4046.42, indicating a bullish trend. The MACD of 80.82 indicates Negative momentum. The RSI at 60.10 is Neutral, neither overbought nor oversold. The STOCH value of 85.63 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥37.49B | 24.09 | ― | 2.87% | 21.47% | 153.64% | |
72 Outperform | ¥23.67B | 7.08 | ― | 3.50% | 17.01% | 22.39% | |
68 Neutral | ¥38.67B | 10.62 | ― | 3.28% | 18.67% | -17.66% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥17.77B | 4.85 | ― | 3.37% | 3.48% | 64.48% | |
65 Neutral | ¥49.18B | 4.49 | ― | 1.20% | 14.35% | 253.31% | |
64 Neutral | ¥29.11B | 7.87 | ― | 2.59% | 12.72% | ― |
* Financial Sector Average
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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.