The Hachijuni Bank, Ltd. (HACBF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Hachijuni Bank, Ltd. (HACBF) trades at $5.51 with AI Score 56/100 (Grade B). The Hachijuni Bank, Ltd. is a regional bank in Japan, offering a wide range of banking and financial services. Market cap: $2.51B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for HACBF: HACBF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HACBF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HACBF: 4/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →The Hachijuni Bank, Ltd. (HACBF) Financial Services Profile
The Hachijuni Bank, Ltd. operates as a regional bank in Japan, providing diverse financial services tailored to local customers, with a strong emphasis on community relationships and a comprehensive product suite.
What Is the Investment Thesis for HACBF?
The Hachijuni Bank, Ltd. demonstrates a robust financial profile, characterized by a market capitalization of $2.51B and a P/E ratio of 16.23. The bank's profit margin of 21.8% and gross margin of 81.7% indicate strong operational efficiency and profitability. Growth catalysts include the expansion of its digital banking services, which are increasingly vital in the face of fintech competition. Additionally, the bank's diverse product offerings, including loans and insurance, provide multiple revenue streams. However, risks associated with trading on the OTC market, such as lower liquidity and less stringent reporting requirements, may affect investor confidence. Monitoring the bank's performance in relation to the broader Japanese economy and regulatory changes will be crucial for assessing its future growth potential.
Based on FMP financials and quantitative analysis
HACBF Key Highlights
- Market Cap of $2.51B reflects strong regional presence in Japan's banking sector.
- P/E ratio of 16.23 indicates competitive valuation compared to peers.
- Profit margin of 21.8% showcases effective cost management and operational efficiency.
- Gross margin of 81.7% highlights the bank's strong revenue generation capabilities.
- Dividend yield of 2.56% offers a return to shareholders amidst stable earnings.
Who Are HACBF's Competitors?
HACBF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HACBF's Key Strengths?
- Strong profitability with a profit margin of 21.8%.
- Established network of branches and ATMs enhancing accessibility.
- Diverse range of financial products catering to various customer needs.
What Are HACBF's Weaknesses?
- Limited international presence compared to larger banks.
- Exposure to regional economic fluctuations affecting performance.
- OTC trading may lead to lower liquidity and investor interest.
What Could Drive HACBF Stock Higher?
- Expansion of digital banking services to enhance customer engagement.
- Strong operational efficiency reflected in high profit margins.
- Diversification of loan products to capture more market share.
- Increased focus on sustainability initiatives to align with market trends.
What Are the Key Risks for HACBF?
- Financial-distress signal — its Altman Z-Score of -0.47 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting the banking sector.
- Intense competition from larger banks and fintech disruptors.
- Economic downturns affecting loan performance and profitability.
What Are the Growth Opportunities for HACBF?
- Digital Banking Expansion: The Hachijuni Bank is investing in digital banking solutions to enhance customer experience and streamline operations. The global digital banking market is expected to grow at a CAGR of 13.5% from 2021 to 2028, providing significant opportunities for banks that successfully implement these technologies. By enhancing its online and mobile banking platforms, The Hachijuni Bank can attract younger customers and improve service delivery.
- Loan Product Diversification: The bank can expand its loan offerings, particularly in areas such as personal loans and small business financing. The small business lending market in Japan is projected to grow by 5% annually, driven by increasing entrepreneurial activity. By tailoring loan products to meet the needs of local businesses, The Hachijuni Bank can capture a larger market share.
- Insurance Services Growth: With the increasing awareness of personal and business insurance needs, The Hachijuni Bank can leverage its existing customer base to promote its insurance products. The Japanese insurance market is expected to grow at a CAGR of 4.2% from 2021 to 2026. By cross-selling insurance products alongside banking services, the bank can enhance customer loyalty and increase revenue.
- International Expansion: The bank's existing presence in Hong Kong and representative offices in Shanghai, Bangkok, and Singapore positions it well for further international expansion. The Asia-Pacific banking market is projected to grow significantly, with increasing demand for banking services in emerging economies. By strategically expanding its international footprint, The Hachijuni Bank can diversify its revenue sources.
- Sustainability Initiatives: As environmental concerns grow, banks that adopt sustainable practices are likely to gain competitive advantages. The Hachijuni Bank can focus on green financing initiatives, such as loans for renewable energy projects. The global green finance market is expected to reach $40 trillion by 2030, presenting a substantial opportunity for banks that align with sustainability goals.
What Opportunities Does HACBF Have?
- Growth in digital banking services to attract tech-savvy customers.
- Expansion of loan products to support local businesses.
- Increasing demand for insurance products among customers.
What Threats Does HACBF Face?
- Intense competition from larger banks and fintech companies.
- Regulatory changes impacting the banking sector.
- Economic downturns affecting loan performance and profitability.
What Are HACBF's Competitive Advantages?
- Established brand with over 140 years of history in the banking sector.
- Strong local presence and deep understanding of regional markets.
- Diverse product offerings that cater to various customer segments.
- Loyal customer base built on community engagement and service.
- Operational efficiency reflected in high profit and gross margins.
What Does HACBF Do?
Founded in 1877, The Hachijuni Bank, Ltd. has established itself as a significant player in Japan's regional banking sector. Headquartered in Nagano, Japan, the bank provides a wide array of financial products and services, including various types of deposits, loans, and insurance products. Its offerings encompass foreign currency, structured deposits, public and private placement bonds, as well as a range of loans such as housing, car, and education loans. The bank also provides credit and debit cards, pension plans, and investment trust services. As of March 31, 2022, The Hachijuni Bank operated 142 branches, 9 branch offices, and 221 ATMs across Japan, alongside a branch in Hong Kong and representative offices in Shanghai, Bangkok, and Singapore. This extensive network allows the bank to maintain strong relationships within its local economies, catering to individual customers, corporations, and sole proprietors alike. The bank's focus on customer service and community engagement has helped it build a loyal customer base, positioning it well within the competitive landscape of regional banks in Japan.
What Products and Services Does HACBF Offer?
- Provide a wide range of banking products including deposits, loans, and insurance.
- Offer foreign currency and structured financial products.
- Facilitate personal and business loans tailored to customer needs.
- Manage investment trusts and pension plans for customers.
- Operate a network of branches and ATMs across Japan and internationally.
- Engage in financial products brokerage to enhance service offerings.
How Does HACBF Make Money?
- Generate revenue through interest income from loans and deposits.
- Earn fees from various banking services including account maintenance and transaction fees.
- Offer insurance products that contribute to overall revenue.
- Provide investment and financial advisory services for additional income.
- Leverage customer deposits to fund lending activities.
What Industry Does HACBF Operate In?
The regional banking sector in Japan is characterized by a stable yet competitive landscape, with banks focusing on local customer relationships and personalized services. The market has seen a gradual shift towards digital banking solutions, driven by changing consumer preferences and the rise of fintech companies. As regional banks adapt to these trends, they are increasingly investing in technology to enhance customer experience and streamline operations. The overall growth rate for the Japanese banking sector is projected to remain modest, with a focus on improving service delivery and maintaining profitability amid economic challenges.
Who Are HACBF's Key Customers?
- Individual customers seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring business loans and financial support.
- Corporations looking for investment and banking solutions.
- Sole proprietors needing tailored financial products.
- International clients through branches and representative offices.
FY2026 estForward Outlook
Wall Street analysts project The Hachijuni Bank, Ltd. revenue of about $347.57B for fiscal 2026, with EPS near $116.51.
F-Score 7/9Financial Health
The Hachijuni Bank, Ltd.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.47 places it in the distress zone, a signal of elevated financial risk.
ROE 6%Key Financial Metrics
Return on equity for The Hachijuni Bank, Ltd. stands at 6.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. HACBF trades at a trailing price-to-earnings ratio of 16.48, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 43.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 2.49 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 6.1%, the inverse of the P/E and a quick read on earnings relative to price.
The Hachijuni Bank, Ltd. (HACBF) Valuation Context
Valued at $2.51B, HACBF is classified as a mid-cap stock. Relative to its peer group, HACBF's quantitative score of 56/100 is below the peer average of 68/100.
Company Profile
The Hachijuni Bank, Ltd. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Nagano, JP. The company is led by CEO Masaki Matsushita. HACBF has traded publicly since 2016.
HACBF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Hachijuni Bank's recent insider buying suggests strong confidence from within, a positive signal for potential growth.
- The community sentiment indicates growing optimism about regional banking stability, potentially benefiting Hachijuni.
- Market perception views Japanese financial institutions as undervalued, creating a possible upside for Hachijuni.
- Recent developments suggest a potential easing of negative interest rate policies in Japan, which could boost bank profitability.
Bear Case
- Insider activity, while positive, might be related to specific internal restructuring rather than overall bullish sentiment.
- Community sentiment is highly sensitive to global economic news, and any negative events could quickly turn the tide against Hachijuni.
- Market perception of Japanese banks is still cautious due to long-term deflationary pressures and an aging population.
- Developments in the Japanese economy remain uncertain, with potential risks from global trade tensions and domestic consumption weakness.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HACBF Latest News
No recent news available for HACBF.
HACBF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HACBF.
Price Targets
Wall Street price target analysis for HACBF.
HACBF MoonshotScore
What does this score mean?
The MoonshotScore rates HACBF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Masaki Matsushita
CEO
Masaki Matsushita has extensive experience in the banking sector, having held various leadership roles within The Hachijuni Bank since joining in 1995. He holds a degree in Economics from a prestigious Japanese university and has been instrumental in driving the bank's strategic initiatives and operational efficiency.
Track Record: Under Matsushita's leadership, The Hachijuni Bank has expanded its digital banking services and improved customer engagement, resulting in increased customer satisfaction and loyalty. His focus on operational excellence has also led to enhanced profitability metrics.
HACBF OTC Market Information
The OTC Other tier represents stocks that do not meet the requirements for listing on major exchanges like NYSE or NASDAQ. These stocks may have less stringent reporting standards and can be less liquid, which may affect trading volumes and investor access.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges.
- Less stringent regulatory oversight may lead to increased risks.
- Potential for higher volatility in stock price due to lower trading volumes.
- Verify the bank's financial performance through available reports.
- Assess the bank's competitive positioning within the regional market.
- Investigate management's track record and strategic vision.
- Review customer satisfaction and engagement metrics.
- Monitor regulatory changes affecting the banking sector.
- Established history of over 140 years in the banking industry.
- Presence of a physical branch network and ATMs.
- Regulatory compliance with Japanese banking authorities.
Common Questions About HACBF (Financial Services)
What does The Hachijuni Bank, Ltd. do?
The Hachijuni Bank, Ltd. provides a comprehensive range of banking and financial services, including deposits, loans, and insurance products. It serves individual customers, corporations, and sole proprietors through its extensive branch network and digital banking platforms, focusing on community engagement and personalized service.
How does The Hachijuni Bank, Ltd. make money in financial services?
The Hachijuni Bank generates revenue primarily through interest income from loans and deposits, alongside fees from various banking services such as account maintenance and transaction fees. Additionally, the bank offers insurance products and investment services, contributing to its overall revenue streams.
What are the main risks for HACBF?
The Hachijuni Bank faces several risks, including regulatory changes that could impact its operations and profitability. Additionally, the competitive landscape is intensifying with larger banks and fintech companies posing threats to market share. Economic downturns can also affect loan performance and overall financial stability.
What are the key factors to evaluate for HACBF?
The Hachijuni Bank, Ltd. (HACBF) holds an AI score of 56/100 (moderate). Not financial advice.
How frequently does HACBF data refresh on this page?
HACBF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HACBF's recent stock price performance?
The Hachijuni Bank, Ltd. (HACBF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability with a profit margin of 21.8%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HACBF overvalued or undervalued right now?
Valuing The Hachijuni Bank, Ltd. (HACBF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HACBF?
Before investing in The Hachijuni Bank, Ltd. (HACBF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The financial data is based on the latest available information as of March 31, 2022.