Obermatt

The Awa Bank

TYO:8388 · JP3126800006
BanksSmall

360

13
Medium confidence — indicative
Profit price22
Cash yield1
Price/Sales36
EV / Gross Profit95
Price/Book95
Returns on capital10
Profit margins
Cash Conversion9
Accruals62
Owner Earnings Margin18
Sales growth
Profit growth29
Reinvestment73
Price momentum96
Debt load88
Debt serviceability63
Liquidity20
Analyst ratings
Expectations trend50
Market mood3
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

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

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded1896
Employees1
ISINJP3126800006
Last UpdateApr 2, 2026
Index & Theme
Online PaymentsConsumer LendingBankingFinanceFinancial Services

Description

The Awa Bank, Ltd., together with its subsidiaries, provides commercial banking and leasing services. The company's investment portfolio includes Japanese government bonds, municipal bonds, and corporate bonds. The company operates through Commerci…

Analysis

Deep value

The Awa Bank, Ltd. looks superficially cheap, but weak underlying metrics raise the question of whether this is value or a trap.

On valuation, the picture is fair. The owner-earnings multiple stands at 15.8×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: 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
55
2023202420252026

All-time high

63

Mar 2026

All-time low

43

Jan 2023

Average rank

55

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
36
60
69
64
Price/Earnings
59
85
75
54
Price/Book
95
100
97
78
Dividend Yield
1
41
17
9
Value (overall)
49
85
78
49

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 →