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Hachijuni Bank

TYO:8359 · JP3769000005
BanksMedium

360

17
Profit price20
Cash yield45
Price/Sales39
EV / Gross Profit97
Price/Book66
Returns on capital18
Profit margins—
Cash Conversion22
Accruals77
Owner Earnings Margin11
Sales growth64
Profit Growth29
Long-Term EPS Growth75
Reinvestment19
Price momentum93
Debt load70
Debt serviceability71
Liquidity68
Analyst ratings17
Opinion Changes50
Price Target Upside8
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hachijuni Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTSE
Founded1931
Employees6
Websitebank.82group.jp
ISINJP3769000005
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingBankingFinanceFinancial Services

Description

Hachijuni Nagano Bank, Ltd. provides various banking products and services. Segments The company operates through Banking and Leasing segments. Banking consists of the banking and credit card businesses. Leasing consists of the leasing business.…

Analysis

Weak and unloved

Hachijuni Nagano Bank, Ltd. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 16.9× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone. At today's price, the market is assuming roughly 4% yearly growth; analysts expect 24%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
39
2023202420252026

All-time high

87

Mar 2026

All-time low

21

Jan 2023

Average rank

61

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
39
34
75
84
Price/Earnings
35
27
30
52
Price/Book
66
96
91
97
Dividend Yield
45
29
12
32
Value (overall)
41
47
54
69

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →