Fukushima Bank, Ltd. (JP:8562)
:8562
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Fukushima Bank, Ltd.
(8562)
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Rating:52Neutral
Price Target:
¥361.00
▲(22.37% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily constrained by volatile profitability and inconsistent cash flow despite a 2026 rebound and improved leverage. Technical indicators are neutral with near-term weakness versus the 20/50 DMA but a longer-term uptrend above the 100/200 DMA. Valuation is middling (P/E ~17.3) with only modest support from a ~1.4% dividend yield.
Positive Factors
Improving Leverage
Material improvement in leverage over 2024–2026 reduces solvency and funding risk for a regional bank. Lower debt-to-equity enhances capital flexibility to support lending, absorb shocks, and meet regulatory buffers, strengthening the bank's risk profile over the medium term.
Negative Factors
Volatile Profitability
Large swings from multi-year profits to a sharp loss then back to profit indicate unstable earnings quality. For a regional lender, such volatility complicates capital planning, provisioning and strategic lending decisions, raising execution and credit-cycle sensitivity risks.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Leverage
Material improvement in leverage over 2024–2026 reduces solvency and funding risk for a regional bank. Lower debt-to-equity enhances capital flexibility to support lending, absorb shocks, and meet regulatory buffers, strengthening the bank's risk profile over the medium term.
Read all positive factors
Fukushima Bank, Ltd. (8562) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥12.87B
Dividend Yield1.89%
Average Volume (3M)135.61K
Price to Earnings (P/E)17.3
Beta (1Y)1.10
Revenue Growth17.42%
EPS GrowthN/A
CountryJP
Employees484
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-42.77
Shares Outstanding34,900,000
10 Day Avg. Volume149,040
30 Day Avg. Volume135,606
Financial Highlights & Ratios
PEG Ratio-0.11
Price to Book (P/B)0.54
Price to Sales (P/S)1.00
P/FCF Ratio0.99
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
Fukushima Bank, Ltd. Business Overview & Revenue Model
Company Description
The Fukushima Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan. The company accepts time deposits; and offers housing, car, remodelling, card, simulation, education, and business loans, as we...
How the Company Makes Money
The bank primarily earns money through (1) net interest income and (2) fee-based income, with additional contributions from securities and other financial activities.
1) Net interest income (core earnings): The main revenue driver for a regional ...
Fukushima Bank, Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.65B | 12.72B | 12.16B | 12.06B | 12.03B | 11.96B |
| Gross Profit | 11.65B | 10.19B | 11.62B | 11.96B | 11.93B | 11.86B |
| EBITDA | -823.00M | 1.29B | -921.00M | 1.72B | 1.76B | 1.43B |
| Net Income | -1.31B | 736.00M | -1.25B | 866.00M | 868.00M | 826.00M |
Balance Sheet | ||||||
| Total Assets | 815.00B | 794.05B | 805.10B | 828.95B | 839.88B | 842.25B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 32.45B | 55.58B | 79.11B | 76.26B | 90.61B |
| Total Debt | 1.98B | 7.37B | 2.11B | 2.13B | 47.63B | 35.59B |
| Total Liabilities | 791.22B | 770.11B | 781.04B | 803.87B | 815.60B | 814.89B |
| Stockholders Equity | 23.62B | 23.78B | 23.91B | 24.94B | 24.13B | 27.22B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 12.91B | 6.03B | 0.00 | -7.67B | 12.79B |
| Operating Cash Flow | 0.00 | 13.07B | 7.31B | 0.00 | -7.43B | 13.18B |
| Investing Cash Flow | 0.00 | -14.30B | -3.38B | 1.49B | -6.45B | -14.22B |
| Financing Cash Flow | 0.00 | -22.71B | -20.80B | -140.00M | -140.00M | -1.00M |
Fukushima Bank, Ltd. Technical Analysis
Positive
295.00
Price Trends
365.35
Positive
350.63
Positive
293.11
Positive
Market Momentum
-0.06
Negative
56.44
Neutral
57.73
Neutral
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 295 is below the 20-day moving average (MA) of 357.45, below the 50-day MA of 365.35, and above the 200-day MA of 293.11, indicating a bullish trend. The MACD of -0.06 indicates Negative momentum. The RSI at 56.44 is Neutral, neither overbought nor oversold. The STOCH value of 57.73 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ¥14.29B | 9.59 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.87B | 7.27 | ― | 3.74% | 15.32% | 26.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥13.66B | 7.95 | ― | 3.58% | 18.86% | 59.05% | |
59 Neutral | ¥17.73B | 9.06 | ― | 3.37% | 6.15% | -0.87% | |
58 Neutral | ¥11.51B | 11.28 | ― | 2.68% | 24.95% | 10.64% | |
52 Neutral | ¥12.87B | 17.29 | ― | 1.89% | 17.42% | ― |
* 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.