Kiyo Bank (KIYOF) Price & Analysis

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KIYOF Stock Chart & Stats

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Bulls Say, Bears Say

Bulls Say

Revenue GrowthSustained double-digit top-line growth indicates expanding loan volumes and fee income, supporting longer-term earnings power. Persistent revenue expansion provides scope to absorb cost shocks, fund credit provisioning and invest in digital or branch initiatives that reinforce franchise value over months.

High Gross ProfitabilityVery strong gross margins reflect disciplined funding and operating cost controls, underpinning core profitability. Durable margin advantage enhances cash generation and resilience versus peers, enabling the bank to sustain investment in customer services or absorb competitive pressure without rapidly eroding returns.

Cash Flow Recovery & ConversionRobust free cash flow recovery and healthy operating cash conversion support internal funding for lending, capital expenditures and dividends. Reliable cash generation increases financial flexibility, lowers refinancing risk and provides a durable buffer through credit cycles and interest-rate variability.

Bears Say

High LeverageA leverage ratio of 3.75x heightens sensitivity to credit losses and interest-rate swings, constraining capital flexibility. Elevated leverage can force higher provisioning or capital-raising in stress, limiting the bank's ability to expand lending or take strategic risks without diluting returns or breaching regulatory buffers.

Margin PressureDeclining net margins suggest rising funding costs or competitive pressure on pricing, which can erode internal capital build and reduce reinvestment capacity. If persistent, margin compression will impair ROE improvement and limit the bank's ability to grow dividends or absorb cyclical loan losses.

Regional ConcentrationConcentration in a defined geographic footprint limits diversification of credit and deposit exposures, tying performance to local economic and demographic trends. This structural concentration raises vulnerability to regional downturns and caps growth potential compared with more diversified national peers.

Kiyo Bank News

Kiyo Bank Delivers Strong Nine-Month Earnings and Lifts Dividend Payout

Kiyo Bank ( ($JP:8370) ) just unveiled an update. For the nine months ended December 31, 2025, Kiyo...

18d ago

Kiyo Bank Finalizes Treasury Share Disposal for Employee Incentive

Kiyo Bank ( ($JP:8370) ) has shared an update. The Kiyo Bank, Ltd. has completed the payment procedure...

3M ago

Kiyo Bank Reports Robust Financial Growth in H1 2025

Kiyo Bank ( ($JP:8370) ) has provided an update. Kiyo Bank reported a significant increase in its financial...

3M ago

Kiyo Bank Reports Strong Financial Performance for Q2 2025

Kiyo Bank ( ($JP:8370) ) has issued an update. Kiyo Bank reported a significant increase in its financial...

7M ago

Kiyo Bank Finalizes Treasury Shares Disposal for Stock Remuneration

An update from Kiyo Bank ( ($JP:8370) ) is now available. Kiyo Bank has completed the payment for...

7M ago

Kiyo Bank Announces Treasury Share Disposal for Executive Incentives

Kiyo Bank ( ($JP:8370) ) has provided an announcement. Kiyo Bank has announced the disposal of 13,000 treasury...

8M ago

Kiyo Bank Introduces Restricted Stock Plan for Employees

Kiyo Bank ( ($JP:8370) ) has provided an update. The Kiyo Bank, Ltd. announced the introduction of a...

8M ago

Kiyo Bank Considers Restricted Stock Incentive Plan for Employees

Kiyo Bank ( ($JP:8370) ) just unveiled an announcement. Kiyo Bank, Ltd. is considering the introduction of a...

9M ago

Kiyo Bank Revises Management Indicators in Medium-Term Plan

Kiyo Bank ( ($JP:8370) ) has shared an update. Kiyo Bank, Ltd. has announced revisions to its Seventh...

9M ago

Kiyo Bank Announces Dividend Increase for Fiscal Year 2025

Kiyo Bank ( ($JP:8370) ) has shared an announcement. Kiyo Bank, Ltd. has announced a revision in its...

9M ago

KIYOF FAQ

What was Kiyo Bank Ltd’s price range in the past 12 months?

Currently, no data Available

What is Kiyo Bank Ltd’s market cap?

Kiyo Bank Ltd’s market cap is $1.66B.

When is Kiyo Bank Ltd’s upcoming earnings report date?

Kiyo Bank Ltd’s upcoming earnings report date is May 18, 2026 which is in 87 days.

How were Kiyo Bank Ltd’s earnings last quarter?

Kiyo Bank Ltd released its earnings results on Feb 02, 2026. The company reported $0.639 earnings per share for the quarter, beating the consensus estimate of N/A by $0.639.

Is Kiyo Bank Ltd overvalued?

According to Wall Street analysts Kiyo Bank Ltd’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Kiyo Bank Ltd pay dividends?

Kiyo Bank Ltd does not currently pay dividends.

What is Kiyo Bank Ltd’s EPS estimate?

Kiyo Bank Ltd’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Kiyo Bank Ltd have?

Kiyo Bank Ltd has 67,300,000 shares outstanding.

What happened to Kiyo Bank Ltd’s price movement after its last earnings report?

Kiyo Bank Ltd reported an EPS of $0.639 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same N/A.

Which hedge fund is a major shareholder of Kiyo Bank Ltd?

Currently, no hedge funds are holding shares in KIYOF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Kiyo Bank Ltd

The Kiyo Bank, Ltd. provides various banking products and services to individuals, corporates, and business customers in Japan. It offers Yen, time, and foreign currency deposits; personal, home, mortgage, card, purpose, education-related, and free loans; and life, medical, cancer, student, income security, and term insurance, etc., as well as pension funds. The company also provides securities investment, domestic and foreign exchange, agency, internet banking, and ATM services; and cards, as well as engages in buying and selling government bonds, etc. It operates 112 branches in Japan, including 68 branches in Wakayama; 41 branches in Osaka prefecture; 1 branch in Tokyo; and 2 branches in Nara prefecture. The company was formerly known as Kiyo Bank Co., Ltd. and changed its name to The Kiyo Bank, Ltd. in October 2013. The Kiyo Bank, Ltd. was founded in 1883 and is headquartered in Wakayama, Japan.