Fukushima Bank, Ltd. (8562) AI Stock Analysis

• Market Cap: ¥7.53B
• Dividend Yield: 2.31%
• Average Volume (3M): 102.52K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.89
• Revenue Growth: 1.71%
• EPS Growth: -164.25%
• Country: JP
• Employees: 484
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): -7.21
• Shares Outstanding: 34,900,000
• 10 Day Avg. Volume: 61,400
• 30 Day Avg. Volume: 102,523
• PEG Ratio: 1.45
• Price to Book (P/B): 0.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.83
• 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: N/A
• Number of Analyst Covering: 0

• Rating: 50 Neutral
• Price Target: ―

Fukushima Bank, Ltd. has significant challenges with profitability and cash flow, impacting its financial performance. The technical analysis suggests mixed signals with some potential downward pressure. Valuation concerns are highlighted by a negative P/E ratio, despite a moderate dividend yield. These factors collectively result in a below-average score, indicating caution for investors.

Fukushima Bank, Ltd. Business Overview & Revenue Model

Company Description

Fukushima Bank, Ltd. is a regional financial institution headquartered in Fukushima, Japan. It primarily operates in the banking sector, offering a range of financial services including personal and corporate banking, loans, deposits, and investment products. The bank focuses on serving the local community within Fukushima Prefecture, providing financial solutions tailored to the needs of individuals, small and medium-sized enterprises (SMEs), and larger corporations.

How the Company Makes Money

Fukushima Bank, Ltd. generates revenue primarily through traditional banking activities. Its key revenue streams include interest income derived from loans and advances to customers, as well as from securities investments. Additionally, the bank earns non-interest income through fees and commissions related to various financial services such as account management, transaction processing, and advisory services. The bank may also engage in partnerships with financial and non-financial institutions to enhance its service offerings and expand its customer base, contributing to its revenue growth. Interest rate fluctuations, economic conditions, and regulatory factors can significantly impact the bank's earnings.

Fukushima Bank, Ltd. Financial Statement Overview

Summary

Fukushima Bank, Ltd. faces challenges in maintaining profitability and generating positive cash flow, as seen in the TTM data. While the balance sheet remains relatively strong with low leverage, the negative net income and lack of cash flow highlight operational difficulties. The bank needs to address revenue volatility and improve operational efficiency to stabilize financial performance.

Income Statement

The income statement shows a concerning decline in profitability for TTM with a negative net income, reflecting a net loss. EBIT margin also declined, indicating operational challenges. Despite this, the gross profit margin remains stable, suggesting cost control on revenue. Revenue growth has been inconsistent, suggesting volatility in income generation.

Balance Sheet

The balance sheet reflects a strong equity position with a consistently low debt-to-equity ratio, indicating financial stability and low leverage. However, the equity ratio has declined slightly, indicating a potential increase in liabilities relative to assets. Return on equity is negatively impacted due to the net loss.

Cash Flow

The cash flow statement shows zero free cash flow in TTM, a significant downturn from previous periods. The absence of operating cash flow raises concerns about liquidity and the company's ability to generate cash from operations. Historical data shows fluctuations in cash flow, indicating potential volatility in cash generation.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
11.95B	10.59B	11.96B	11.93B	11.86B	12.02B
	Gross Profit
11.54B	0.00	11.96B	11.93B	11.86B	12.02B
	EBIT
2.07B	-578.00M	1.47B	1.14B	771.00M	-1.69B
	EBITDA
626.00M	-578.00M	866.00M	1.76B	607.00M	-1.07B
	Net Income Common Stockholders
-491.00M	-1.25B	866.00M	868.00M	826.00M	-1.72B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
73.55B	0.00	79.11B	76.26B	90.61B	92.13B
	Total Assets
822.00B	805.10B	828.95B	839.88B	842.25B	825.75B
	Total Debt
1.95B	2.11B	2.13B	47.63B	35.59B	29.34B
	Net Debt
-71.60B	2.11B	-76.98B	-28.62B	-55.01B	-62.79B
	Total Liabilities
797.19B	781.03B	803.87B	815.60B	814.89B	796.11B
	Stockholders Equity
24.66B	23.91B	24.94B	24.13B	27.22B	29.52B
Cash Flow		Free Cash Flow
0.00	6.03B	10.84B	-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	-26.88B	-140.00M	-140.00M	-1.00M	-113.00M

Fukushima Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 216.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8562, the sentiment is Negative. The current price of 216 is below the 20-day moving average (MA) of 218.80, above the 50-day MA of 212.54, and below the 200-day MA of 222.78, indicating a neutral trend. The MACD of 0.56 indicates Positive momentum. The RSI at 45.97 is Neutral, neither overbought nor oversold. The STOCH value of 23.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8562.

Fukushima Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8377	71 Outperform	¥342.73B	8.97		1.45%	21.04%	20.47%
8354	70 Outperform	$755.46B	10.31	7.30%	3.56%	15.35%	-1.62%
8386	65 Neutral	¥112.78B	8.33		2.99%	-0.27%	38.79%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%
8343	60 Neutral	¥52.01B	9.07		4.13%	7.03%	60.45%
8562	50 Neutral	¥7.53B	―		2.31%	1.71%	-164.25%