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Daito Bank, Ltd. (JP:8563)
:8563
Japanese Market
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Daito Bank, Ltd. (8563) AI Stock Analysis

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JP:8563

Daito Bank, Ltd.

(8563)

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Neutral 60 (OpenAI - 4o)
Rating:60Neutral
Price Target:
¥779.00
▲(2.77% Upside)
Daito Bank's stock score is primarily influenced by its strong valuation, offering a low P/E ratio and high dividend yield. However, technical indicators suggest bearish momentum, and financial performance shows mixed results with stable profitability but revenue and cash flow concerns.

Daito Bank, Ltd. (8563) vs. iShares MSCI Japan ETF (EWJ)

Daito Bank, Ltd. Business Overview & Revenue Model

Company DescriptionDaito Bank, Ltd. (8563) is a regional bank based in Japan, primarily serving the financial needs of individuals and businesses in the local community. The bank operates in the financial services sector, offering a range of products including personal banking services, corporate banking solutions, and investment services. Its core offerings include savings and checking accounts, loans, mortgages, and wealth management services, aimed at fostering economic growth within its service areas.
How the Company Makes MoneyDaito Bank generates revenue primarily through interest income from loans and mortgages provided to customers, which constitutes a significant portion of its earnings. The bank also earns fees from various services, including account maintenance, transaction services, and investment advising. Additionally, Daito Bank engages in treasury operations and asset management, which contribute to its income. Partnerships with local businesses and government entities help enhance its service offerings, while strategic investments in financial technology are aimed at increasing efficiencies and expanding its customer base, further driving revenue growth.

Daito Bank, Ltd. Financial Statement Overview

Summary
Daito Bank's financial performance is stable with consistent net profit margins and a strong equity position. However, revenue growth challenges and cash flow volatility are concerns.
Income Statement
65
Positive
Daito Bank's income statement shows a mixed performance. The net profit margin is relatively stable at around 10%, indicating consistent profitability. However, the revenue growth rate has been negative in recent years, suggesting challenges in expanding revenue. The EBIT and EBITDA margins have also seen a decline, indicating potential pressure on operational efficiency.
Balance Sheet
70
Positive
The balance sheet reflects a strong equity position with a low debt-to-equity ratio of 0.14 in the latest year, showing improved financial stability. Return on equity has improved slightly, indicating better utilization of equity. However, the equity ratio is low, suggesting a high reliance on liabilities to finance assets.
Cash Flow
55
Neutral
Cash flow analysis reveals significant volatility. While the free cash flow to net income ratio is healthy, indicating good cash conversion, the operating cash flow has been negative in previous years, which could pose liquidity challenges. The recent positive free cash flow growth is a positive sign, but sustainability remains a concern.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue12.35B11.72B11.82B12.69B11.61B12.02B
Gross Profit12.35B12.22B13.51B12.69B11.54B12.14B
EBITDA2.00B2.60B2.31B2.40B2.30B1.32B
Net Income1.42B1.33B1.25B1.28B1.20B990.00M
Balance Sheet
Total Assets863.68B851.06B876.89B895.00B970.15B963.50B
Cash, Cash Equivalents and Short-Term Investments0.0035.32B72.28B72.49B135.22B166.10B
Total Debt200.00M4.50B40.22B50.65B114.29B105.34B
Total Liabilities830.42B818.35B838.38B858.23B930.51B922.75B
Stockholders Equity32.38B31.84B37.64B35.91B38.77B39.91B
Cash Flow
Free Cash Flow0.005.38B-10.18B-93.42B-34.14B113.18B
Operating Cash Flow0.005.57B-9.11B-92.83B-33.87B113.44B
Investing Cash Flow0.00-18.74B9.42B31.35B4.58B2.13B
Financing Cash Flow0.00-23.73B-6.89B-384.00M-378.00M-378.00M

Daito Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price758.00
Price Trends
50DMA
777.88
Negative
100DMA
748.50
Positive
200DMA
720.21
Positive
Market Momentum
MACD
-6.26
Positive
RSI
42.98
Neutral
STOCH
43.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8563, the sentiment is Neutral. The current price of 758 is below the 20-day moving average (MA) of 775.15, below the 50-day MA of 777.88, and above the 200-day MA of 720.21, indicating a neutral trend. The MACD of -6.26 indicates Positive momentum. The RSI at 42.98 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8563.

Daito Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
¥12.65B9.793.66%9.46%9.41%
73
Outperform
¥10.59B6.031.26%2.20%
72
Outperform
¥12.30B10.643.86%7.67%-26.27%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
61
Neutral
¥9.06B8.653.00%-9.75%81.65%
60
Neutral
¥9.61B6.784.17%2.44%10.20%
46
Neutral
¥7.85B2.16%2.60%-246.98%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8563
Daito Bank, Ltd.
764.00
95.70
14.32%
JP:7161
Jimoto Holdings, Inc.
399.00
106.46
36.39%
JP:8349
Tohoku Bank, Ltd.
1,305.00
253.02
24.05%
JP:8365
Bank of Toyama Ltd.
1,665.00
126.88
8.25%
JP:8383
TOTTORI BANK, LTD.
1,370.00
161.34
13.35%
JP:8562
Fukushima Bank, Ltd.
225.00
-10.85
-4.60%
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.Date of analysis: Oct 15, 2025