Fukushima Bank, Ltd. (8562) AI Stock Analysis

• Market Cap: ¥8.58B
• Dividend Yield: 2.03%
• Average Volume (3M): 168.32K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.87
• Revenue Growth: 2.60%
• EPS Growth: -246.98%
• Country: JP
• Employees: 484
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.01
• Shares Outstanding: 34,900,000
• 10 Day Avg. Volume: 224,490
• 30 Day Avg. Volume: 168,316
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ¥263.00
• Price Target Upside: 6.48% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 57 Neutral
• Price Target: ¥263.00 ▲(6.48% Upside)

Fukushima Bank, Ltd. has a moderate overall stock score driven by strong technical momentum, despite financial performance challenges and valuation concerns. The positive technical indicators suggest potential short-term gains, but the negative P/E ratio and profitability issues warrant caution.

Fukushima Bank, Ltd. Business Overview & Revenue Model

Company Description

Fukushima Bank, Ltd. (8562) is a regional commercial bank based in Fukushima Prefecture, Japan. Established to serve the financial needs of local residents and businesses, the bank offers a range of services including deposit accounts, loans, investment products, and asset management. As a key player in the local banking sector, Fukushima Bank focuses on providing personalized financial solutions to its customers while contributing to the economic development of the region.

How the Company Makes Money

Fukushima Bank primarily generates revenue through the interest income derived from loans extended to individuals and businesses. The bank offers various types of loans, including personal loans, business loans, and mortgages, which typically carry higher interest rates compared to the interest paid on customer deposits. Additionally, the bank earns fee-based income from services such as account maintenance, fund transfers, and financial advisory services. The bank may also engage in investment activities and asset management, contributing to its revenue streams. Strategic partnerships with local businesses and community organizations can enhance its reach and customer base, thereby influencing its overall earnings.

Fukushima Bank, Ltd. Financial Statement Overview

Summary

Fukushima Bank, Ltd. faces challenges in maintaining consistent profitability and cash flow stability. While the balance sheet remains relatively strong with low leverage, the income statement and cash flow statement highlight areas of concern, particularly in profitability and cash flow management.

Income Statement

The income statement shows fluctuating revenue growth with a recent decline in profitability. The net profit margin turned negative in the latest year, indicating challenges in maintaining profitability. Historical EBIT and EBITDA margins have also been inconsistent, reflecting operational inefficiencies.

Balance Sheet

The balance sheet indicates a stable debt-to-equity ratio, suggesting manageable leverage. However, the return on equity has been negative recently, highlighting profitability issues. The equity ratio remains strong, indicating a solid capital base.

Cash Flow

Cash flow analysis reveals volatility, with a significant drop in operating cash flow in recent years. The free cash flow to net income ratio is relatively stable, but the operating cash flow to net income ratio has shown large fluctuations, indicating potential cash flow management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	11.66B	12.16B	11.96B	12.03B	12.07B	12.18B
Gross Profit	11.66B	12.35B	11.96B	11.93B	11.86B	9.18B
EBITDA	-504.00M	-578.00M	1.72B	1.76B	1.43B	-1.07B
Net Income	-1.25B	-1.25B	866.00M	868.00M	826.00M	-1.72B
Balance Sheet
Total Assets	805.10B	805.10B	828.95B	839.88B	842.25B	825.75B
Cash, Cash Equivalents and Short-Term Investments	55.58B	55.58B	79.11B	76.26B	90.61B	92.13B
Total Debt	2.11B	2.11B	2.13B	47.63B	35.59B	29.34B
Total Liabilities	781.03B	781.03B	803.87B	815.60B	814.89B	796.11B
Stockholders Equity	23.91B	23.91B	24.94B	24.13B	27.22B	29.52B
Cash Flow
Free Cash Flow	0.00	6.03B	10.96B	-7.67B	12.79B	38.69B
Operating Cash Flow	0.00	7.31B	11.59B	-7.43B	13.18B	39.07B
Investing Cash Flow	0.00	-3.38B	1.49B	-6.45B	-14.22B	-23.08B
Financing Cash Flow	0.00	-20.80B	-140.00M	-140.00M	-1.00M	-113.00M

Fukushima Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 247.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8562, the sentiment is Positive. The current price of 247 is above the 20-day moving average (MA) of 243.00, above the 50-day MA of 234.26, and above the 200-day MA of 220.22, indicating a bullish trend. The MACD of 4.70 indicates Positive momentum. The RSI at 53.72 is Neutral, neither overbought nor oversold. The STOCH value of 11.68 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8562.

Fukushima Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8563	75 Outperform	¥10.14B	7.15		4.00%	2.44%	10.20%
7161	73 Outperform	¥12.19B	6.94		1.10%	2.20%	―
8349	72 Outperform	¥12.89B	11.15		3.68%	7.67%	-26.27%
Sector *	68 Neutral	$17.80B	11.87	10.23%	3.74%	9.69%	1.18%
8416	65 Neutral	¥9.39B	25.08		2.70%	3.73%	-78.83%
8365	61 Neutral	¥9.14B	8.74		2.97%	-9.75%	81.65%
8562	57 Neutral	¥8.58B	―		2.03%	2.60%	-246.98%