Daito Bank, Ltd. (JP:8563)
:8563
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Daito Bank, Ltd.
(8563)
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Rating:66Neutral
Price Target:
¥1,018.00
▲(7.61% Upside)
Action:ReiteratedDate:03/05/26
The score is driven mainly by moderate financial performance—stable margins and reduced leverage offset by weak revenue growth and cash flow volatility. Technical indicators are mixed with neutral momentum and the stock below its 20-day average, while valuation is a notable positive due to the low P/E and solid dividend yield.
Positive Factors
Stable Profitability
A persistent net margin around 10% signals durable profitability for a regional bank, underpinning earnings resilience across economic cycles. This steadiness supports dividend capacity, internal capital accumulation and loss-absorbing buffers, helping sustain operations over months.
Negative Factors
Weak Revenue Growth
Recent negative revenue growth points to structural top-line headwinds—likely from subdued loan or fee expansion in the local market. Persistent revenue contraction limits net interest income and fee diversification, forcing harder choices between margin compression or risk-taking to restore growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable Profitability
A persistent net margin around 10% signals durable profitability for a regional bank, underpinning earnings resilience across economic cycles. This steadiness supports dividend capacity, internal capital accumulation and loss-absorbing buffers, helping sustain operations over months.
Read all positive factors
Daito Bank, Ltd. (8563) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥12.15B
Dividend Yield3.74%
Average Volume (3M)24.48K
Price to Earnings (P/E)7.0
Beta (1Y)0.83
Revenue Growth11.69%
EPS Growth6.51%
CountryJP
Employees428
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)32.21
Shares Outstanding12,701,462
10 Day Avg. Volume30,860
30 Day Avg. Volume24,476
Financial Highlights & Ratios
PEG Ratio1.10
Price to Book (P/B)0.28
Price to Sales (P/S)0.77
P/FCF Ratio1.67
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
Daito Bank, Ltd. Business Overview & Revenue Model
Company Description
The Daito Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan. The company accepts time, savings, and foreign currency deposits; and offers mutual fund and government bonds. It also provides hou...
How the Company Makes Money
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Daito Bank, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.35B | 11.72B | 11.85B | 11.56B | 11.61B | 12.02B |
| Gross Profit | 12.35B | 11.14B | 11.82B | 11.52B | 11.54B | 11.92B |
| EBITDA | 2.00B | 2.60B | 2.31B | 2.40B | 2.30B | 2.43B |
| Net Income | 1.42B | 1.33B | 1.25B | 1.28B | 1.20B | 990.00M |
Balance Sheet | ||||||
| Total Assets | 863.68B | 851.06B | 876.89B | 895.00B | 970.15B | 963.50B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 35.32B | 72.28B | 72.49B | 135.22B | 166.10B |
| Total Debt | 200.00M | 4.50B | 40.22B | 50.65B | 114.29B | 105.34B |
| Total Liabilities | 830.42B | 818.35B | 838.38B | 858.23B | 930.51B | 922.75B |
| Stockholders Equity | 32.38B | 31.84B | 37.64B | 35.91B | 38.77B | 39.91B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.38B | 0.00 | -93.42B | -34.14B | 113.18B |
| Operating Cash Flow | 0.00 | 5.57B | 0.00 | -92.83B | -33.87B | 113.44B |
| Investing Cash Flow | 0.00 | -18.74B | 9.42B | 31.35B | 4.58B | 2.13B |
| Financing Cash Flow | 0.00 | -23.73B | -6.89B | -384.00M | -378.00M | -378.00M |
Daito Bank, Ltd. Technical Analysis
Positive
946.00
Price Trends
1036.51
Negative
944.31
Positive
841.01
Positive
Market Momentum
-0.66
Negative
53.15
Neutral
52.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8563, the sentiment is Positive. The current price of 946 is below the 20-day moving average (MA) of 992.65, below the 50-day MA of 1036.51, and above the 200-day MA of 841.01, indicating a neutral trend. The MACD of -0.66 indicates Negative momentum. The RSI at 53.15 is Neutral, neither overbought nor oversold. The STOCH value of 52.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8563.
Daito Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥13.65B | 9.31 | ― | 3.58% | 16.33% | 7.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥12.15B | 7.04 | ― | 3.74% | 11.69% | 6.51% | |
66 Neutral | ¥11.44B | 21.28 | ― | 2.68% | 21.07% | 161.68% | |
65 Neutral | ¥10.82B | 8.64 | ― | 2.74% | 14.07% | -99.32% | |
64 Neutral | ¥14.89B | 4.33 | ― | 3.30% | 15.93% | 37.00% | |
53 Neutral | ¥12.21B | 8.11 | ― | 1.89% | 12.79% | ― |
* 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.