Daito Bank, Ltd. (8563) AI Stock Analysis

• Market Cap: ¥12.60B
• Dividend Yield: 3.74%
• Average Volume (3M): 24.48K
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.83
• Revenue Growth: 5.91%
• EPS Growth: 5.03%
• Country: JP
• Employees: 428
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 32.21
• Shares Outstanding: 12,701,462
• 10 Day Avg. Volume: 30,860
• 30 Day Avg. Volume: 24,476
• PEG Ratio: 1.10
• Price to Book (P/B): 0.28
• Price to Sales (P/S): 0.77
• P/FCF Ratio: 1.67
• 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: 66 Neutral
• Price Target: ¥1,133.00 ▲(19.77% Upside)
• Action: Reiterated Date: 03/05/26
• Date: Action: Reiterated 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

Low leverage / strong equity position

A debt-to-equity ratio of 0.14 provides durable financial flexibility, lowering interest burden and enhancing shock absorption. This stronger capital posture helps support lending capacity, maintain dividends, and fund strategic initiatives over months, reducing refinancing and solvency risk.

Negative Factors

Recent negative revenue growth

Persistent negative revenue growth denotes weakening top-line momentum, limiting scale economies and cross-sell opportunities with retail and SME clients. Without revenue recovery, the bank faces tougher choices between cost cuts, reduced investment, or reliance on non-recurring items to sustain earnings.

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...

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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

Daito Bank generates revenue through various streams, with interest income being the primary source. This includes interest earned from loans provided to individuals and businesses, which typically carry higher rates compared to the interest paid ...

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Daito Bank generates revenue through various streams, with interest income being the primary source. This includes interest earned from loans provided to individuals and businesses, which typically carry higher rates compared to the interest paid ...

Daito Bank, Ltd. Financial Statement Overview

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

• Technical Analysis Sentiment: Positive
• Last Price: 946.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 994.30, below the 50-day MA of 1032.45, and above the 200-day MA of 832.77, indicating a neutral trend. The MACD of -15.74 indicates Negative momentum. The RSI at 47.91 is Neutral, neither overbought nor oversold. The STOCH value of 35.96 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8349	72 Outperform	¥13.85B	9.31	―	3.58%	13.77%	19.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8563	66 Neutral	¥12.60B	7.04	―	3.74%	5.91%	5.03%
8365	66 Neutral	¥12.86B	21.28	―	2.68%	5.57%	-23.26%
8416	65 Neutral	¥10.98B	8.64	―	2.74%	7.74%	-92.49%
8383	64 Neutral	¥15.68B	4.33	―	3.30%	11.93%	36.32%
8562	53 Neutral	¥13.25B	8.11	―	1.89%	8.11%	68.98%