Fukushima Bank, Ltd. (8562) AI Stock Analysis

• Market Cap: ¥12.80B
• Dividend Yield: 1.89%
• Average Volume (3M): 135.61K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 1.07
• Revenue Growth: 8.11%
• EPS Growth: 68.98%
• Country: JP
• Employees: 484
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 8.24
• Shares Outstanding: 34,900,000
• 10 Day Avg. Volume: 149,040
• 30 Day Avg. Volume: 135,606
• PEG Ratio: 0.03
• Price to Book (P/B): 0.30
• Price to Sales (P/S): 0.59
• P/FCF Ratio: 1.19
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: ¥358.00 ▲(21.36% Upside)
• Action: Reiterated Date: 02/07/26
• Date: Action: Reiterated 02/07/26

The score is held back primarily by weak and inconsistent financial performance (recent negative profitability and volatile operating cash flow) and an expensive valuation (very high P/E with a modest dividend). Technicals are supportive due to the strong uptrend, but overbought momentum signals add near-term risk.

Positive Factors

Strong capital base and manageable leverage

A strong equity ratio and stable debt-to-equity provide durable loss-absorbing capacity and regulatory resilience. This structural capital strength supports continued lending through cycles, preserves depositor confidence and reduces the likelihood of urgent capital raises over the medium term.

Negative Factors

Deteriorated profitability: negative margins and ROE

Negative net margins and ROE reflect structural profitability pressure: compression of interest spreads, higher costs, or elevated provisions. Persistently weak returns limit retained earnings, constrain capital build-up, and reduce strategic flexibility for investments or loan growth over time.

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...

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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 ...

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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

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	11.65B	12.16B	12.06B	12.03B	11.96B	12.18B
Gross Profit	11.65B	11.62B	11.96B	11.93B	11.86B	12.02B
EBITDA	-823.00M	-921.00M	1.72B	1.76B	1.43B	-1.07B
Net Income	-1.31B	-1.25B	866.00M	868.00M	826.00M	-1.72B
Balance Sheet
Total Assets	815.00B	805.10B	828.95B	839.88B	842.25B	825.75B
Cash, Cash Equivalents and Short-Term Investments	0.00	55.58B	79.11B	76.26B	90.61B	92.13B
Total Debt	1.98B	2.11B	2.13B	47.63B	35.59B	29.34B
Total Liabilities	791.22B	781.04B	803.87B	815.60B	814.89B	796.11B
Stockholders Equity	23.62B	23.91B	24.94B	24.13B	27.22B	29.52B
Cash Flow
Free Cash Flow	0.00	6.03B	0.00	-7.67B	12.79B	38.69B
Operating Cash Flow	0.00	7.31B	0.00	-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: 295.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 295 is below the 20-day moving average (MA) of 375.75, below the 50-day MA of 369.98, and above the 200-day MA of 272.26, indicating a bullish trend. The MACD of -2.43 indicates Positive momentum. The RSI at 51.27 is Neutral, neither overbought nor oversold. The STOCH value of 43.79 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8349	72 Outperform	¥14.10B	9.31	―	3.58%	13.77%	19.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	67 Neutral	¥18.81B	4.85	―	3.37%	3.70%	24.98%
8365	66 Neutral	¥12.54B	21.28	―	2.68%	5.57%	-23.26%
8563	66 Neutral	¥12.79B	7.04	―	3.74%	5.91%	5.03%
8383	64 Neutral	¥16.19B	4.33	―	3.30%	11.93%	36.32%
8562	53 Neutral	¥12.80B	8.11	―	1.89%	8.11%	68.98%