The Hachijuni Bank, Ltd. (8359) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Resona Holdings, Inc.

The Hachijuni Bank, Ltd.

Why is The Hachijuni Bank, Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 19.03% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 16.80%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 19.03% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.15% signifying low profitability per unit of total assets

The company has declared negative results in Mar'2026 after 7 consecutive positive quarters

INTEREST(9M) At JPY 41,743 MM has Grown at 23.65%
ROCE(HY) Lowest at 0.48%
NII(Q) Lowest at JPY 23,009 MM

With ROA of 0.33%, it has a very attractive valuation with a 0.95 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 105.42%, its profits have risen by 29% ; the PEG ratio of the company is 0.6
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The Hachijuni Bank, Ltd. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The Hachijuni Bank, Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The Hachijuni Bank, Ltd.

105.42%

3.84

35.12%

Japan Nikkei 225

88.41%

3.25

27.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.70%

EBIT Growth (5y)

3.74%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

41.49%

Pledged Shares

Institutional Holding

0.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.94

EV to EBIT

7.01

EV to EBITDA

5.78

EV to Capital Employed

0.78

EV to Sales

1.37

PEG Ratio

0.60

Dividend Yield

ROCE (Latest)

11.11%

ROE (Latest)

4.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

ROCE(HY)

Highest at 0.48%

DIVIDEND PER SHARE(HY)

Highest at JPY 0

NET PROFIT(Q)

Highest at JPY 18,311 MM

-13What is not working for the Company

INTEREST(9M)

At JPY 41,743 MM has Grown at 23.65%

ROCE(HY)

Lowest at 0.48%

NII(Q)

Lowest at JPY 23,009 MM

OPERATING PROFIT(Q)

Lowest at JPY -12,160 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -32.48 %

PRE-TAX PROFIT(Q)

Lowest at JPY 13,921 MM

Here's what is working for The Hachijuni Bank, Ltd.

Net Profit

Highest at JPY 18,311 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Here's what is not working for The Hachijuni Bank, Ltd.

Interest

At JPY 41,743 MM has Grown at 23.65%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

NII

Lowest at JPY 23,009 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (JPY MM)

Operating Profit

Lowest at JPY -12,160 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at -32.48 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at JPY 13,921 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

Fallen at -31.65%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (JPY MM)

Non Operating Income

Highest at JPY 2.09 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income