Seven Bank, Ltd. (SVNBY) Stock Analysis
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.
Seven Bank, Ltd. (SVNBY) trades at $21.09. Seven Bank, Ltd. operates as a regional bank in Japan and internationally, providing a range of financial services through its ATM network and banking operations. Market cap: $2.06B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for SVNBY: SVNBY 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 SVNBY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on SVNBY.
How is this calculated? →Seven Bank, Ltd. (SVNBY) Financial Services Profile
Seven Bank, Ltd., a Japanese regional bank, distinguishes itself through its widespread ATM network and comprehensive banking services. Catering to both individual and corporate clients, the bank offers deposit accounts, loans, and various digital banking solutions, operating within a competitive financial landscape and demonstrating a modest profit margin.
What Is the Investment Thesis for SVNBY?
Seven Bank, Ltd. presents a mixed investment thesis. The company's dividend yield of 4.05% may attract income-seeking investors. However, the P/E ratio of 20.55 suggests a relatively high valuation compared to peers. The low beta of -0.03 indicates low volatility relative to the market. Growth catalysts include expansion of digital banking services and strategic partnerships to enhance its ATM network. Potential risks include increasing competition from other financial institutions and the impact of economic fluctuations on loan performance. Investors should closely monitor the bank's ability to maintain its profit margin of 6.5% and adapt to changing consumer preferences in the financial services sector.
Based on FMP financials and quantitative analysis
SVNBY Key Highlights
Market capitalization of $2.06B, reflecting its size and market value within the regional banking sector.
- P/E ratio of 20.55, indicating the price investors are willing to pay for each dollar of earnings.
- Profit margin of 6.5%, showcasing its profitability relative to revenue.
- Gross margin of 70.7%, highlighting the efficiency of its core banking operations.
- Dividend yield of 4.05%, offering a potential income stream for investors.
Who Are SVNBY's Competitors?
SVNBY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AEOJF AEON Financial Service Co., Ltd. | $8.57 | +0.00% | $1.85B | 56 |
| AOZOY Aozora Bank, Ltd. | $4.75 | +0.00% | $2.63B | 50 |
| DAHSF Dah Sing Financial Holdings Limited | $3.34 | +0.00% | $1.07B | 44 |
| EHMEF goeasy Ltd. | $30.22 | -8.23% | $485M | 61 |
| EQGPF EQB Inc. | $95.80 | -4.20% | $3.51B | 45 |
| SRCE 1st Source Corporation | $86.15 | +0.51% | $2.07B | 99 |
| CHCO City Holding Company | $143.20 | -2.07% | $2.02B | 95 |
| FCF First Commonwealth Financial Corporation | $21.25 | +0.90% | $2.16B | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SVNBY's Key Strengths?
Extensive ATM network provides high accessibility.
- Established brand and reputation in Japan.
- Diversified revenue streams.
- Strong partnerships with retailers.
What Are SVNBY's Weaknesses?
Reliance on the Japanese market.
- Limited international presence.
- Vulnerability to economic fluctuations in Japan.
- Competition from larger banks and fintech companies.
What Could Drive SVNBY Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer loyalty.
- Strategic partnerships with retailers and technology companies to expand reach and offer new services.
- Potential international expansion into Southeast Asia to diversify revenue streams.
- Enhanced ATM functionality to offer new services and attract more customers.
- Focus on underserved markets, such as small businesses and rural communities, to build a loyal customer base.
What Are the Key Risks for SVNBY?
Financial-distress signal — its Altman Z-Score of 1.19 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increasing competition from other financial institutions and fintech companies.
- Impact of economic downturns on loan performance and profitability.
- Regulatory changes in the financial services sector that could increase compliance costs.
- Technological disruptions from fintech companies that could erode market share.
- Currency risk due to fluctuations between the Japanese Yen and the U.S. Dollar.
What Are the Growth Opportunities for SVNBY?
- Expansion of Digital Banking Services: Seven Bank can capitalize on the increasing adoption of digital banking by expanding its online and mobile banking services. This includes offering a wider range of digital products, such as mobile payments, online loans, and investment services. The market for digital banking in Japan is expected to grow significantly, driven by increasing smartphone penetration and changing consumer preferences. By investing in digital technologies, Seven Bank can attract new customers and enhance customer loyalty. Timeline: Ongoing.
- Strategic Partnerships: Seven Bank can form strategic partnerships with other financial institutions, retailers, and technology companies to expand its reach and offer new services. For example, it could partner with e-commerce companies to provide payment solutions or with retailers to offer ATM services in their stores. These partnerships can help Seven Bank to increase its customer base and generate new revenue streams. Timeline: Ongoing.
- International Expansion: Seven Bank can expand its operations internationally, particularly in Southeast Asia, where there is a growing demand for financial services. This could involve establishing branches, forming partnerships with local banks, or offering cross-border payment services. International expansion can help Seven Bank to diversify its revenue streams and reduce its reliance on the Japanese market. Timeline: Medium-term.
- Enhanced ATM Functionality: Seven Bank can enhance the functionality of its ATM network by offering new services, such as bill payments, money transfers, and foreign currency exchange. This can attract more customers to its ATMs and generate additional revenue. The company can also leverage its ATM network to collect data on customer behavior and preferences, which can be used to improve its products and services. Timeline: Ongoing.
- Focus on Underserved Markets: Seven Bank can focus on serving underserved markets, such as small businesses and rural communities. These markets often have limited access to financial services, presenting a significant growth opportunity for Seven Bank. By offering tailored products and services to these markets, Seven Bank can build a loyal customer base and generate sustainable growth. Timeline: Long-term.
What Are SVNBY's Competitive Advantages?
- Extensive ATM network providing convenient access to banking services.
- Established brand recognition and customer trust in Japan.
- Diversified revenue streams from ATM fees, loans, and services.
- Strategic partnerships with retailers and other institutions.
What Does SVNBY Do?
Seven Bank, Ltd., established in 2001 and headquartered in Tokyo, Japan, has evolved into a prominent regional bank providing diverse financial products and services. The bank serves individual and corporate customers both in Japan and internationally. Its core offerings include accepting various types of deposit accounts such as ordinary and time deposits, alongside providing personal loans. Seven Bank also issues debit and credit cards and facilitates money transfers, internet banking, and ATM services. A key differentiator is its extensive ATM network, which provides convenient access to banking services. Beyond traditional banking, Seven Bank offers back-office support services for other financial institutions and security services, diversifying its revenue streams. The company's strategic focus on accessibility and technology-driven solutions positions it within the competitive Japanese banking sector.
What Products and Services Does SVNBY Offer?
- Provides ATM services through an extensive network in Japan.
- Offers deposit accounts, including ordinary and time deposits.
- Provides personal loans to individual customers.
- Issues debit and credit cards.
- Facilitates money transfers and internet banking services.
- Offers back-office support services for other financial institutions.
- Provides security services.
How Does SVNBY Make Money?
- Generates revenue from ATM transaction fees.
- Earns interest income from loans.
- Collects fees from debit and credit card usage.
- Provides fee-based back-office support services.
What Industry Does SVNBY Operate In?
Seven Bank, Ltd. operates within the Japanese regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Seven Bank's extensive ATM network provides a competitive advantage, offering convenient access to banking services. However, the bank faces challenges from larger financial institutions and fintech companies. The Japanese banking sector is also influenced by macroeconomic factors, such as interest rates and economic growth. Seven Bank must adapt to these trends to maintain its market position and profitability.
Who Are SVNBY's Key Customers?
- Individual customers seeking convenient ATM access.
- Corporate clients requiring banking services.
- Other financial institutions needing back-office support.
- Users of debit and credit cards for transactions.
Company Profile
Seven Bank, Ltd. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tokyo, JP. The company is led by CEO Masaaki Matsuhashi. SVNBY has traded publicly since 2012.
Seven Bank, Ltd. Financial Trajectory
Seven Bank, Ltd. (SVNBY) reported $54.42B in revenue for Q2 2026, a decline of 5.4% compared to the prior quarter. The company recorded net income of $6.67B, with diluted EPS of $56.50. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, SVNBY averaged $36.17 in diluted EPS.
How Seven Bank, Ltd. Is Valued
Seven Bank, Ltd. carries a market capitalization of $2.06B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for Seven Bank, Ltd. stands at 6.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. SVNBY trades at a trailing price-to-earnings ratio of 24.39, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Seven Bank, Ltd.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 1.19 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Seven Bank, Ltd. revenue of about $218.80B for fiscal 2026, with EPS near $0.00. The estimate reflects 4 contributing analysts.
SVNBY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Extensive ATM network provides high accessibility.
- Established brand and reputation in Japan.
- Diversified revenue streams.
- Strong partnerships with retailers.
Bear Case
- Reliance on the Japanese market.
- Limited international presence.
- Vulnerability to economic fluctuations in Japan.
- Competition from larger banks and fintech companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $54.42B | $6.67B | $56.50 |
| Q1 2026 | $57.51B | $4.79B | $41.50 |
| Q4 2025 | $41.77B | -$1.21B | -$13.30 |
| Q3 2025 | $54.04B | $5.88B | $60.00 |
Based on FMP financials and quantitative analysis
SVNBY Latest News
No recent news available for SVNBY.
SVNBY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SVNBY.
Price Targets
Wall Street price target analysis for SVNBY.
SVNBY MoonshotScore
What does this score mean?
The MoonshotScore rates SVNBY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Masaaki Matsuhashi
CEO
Masaaki Matsuhashi serves as the CEO of Seven Bank, Ltd., overseeing the strategic direction and operational management of the company. His background includes extensive experience in the financial services industry, with a focus on retail banking and ATM network management. Prior to his role at Seven Bank, Matsuhashi held various leadership positions at prominent financial institutions in Japan. His expertise spans areas such as business development, risk management, and regulatory compliance. He is responsible for guiding Seven Bank through a period of digital transformation and increasing competition.
Track Record: Under Masaaki Matsuhashi's leadership, Seven Bank has focused on expanding its digital banking services and enhancing its ATM network. Key milestones include the launch of new mobile banking features and the implementation of advanced security measures. Matsuhashi has also overseen strategic partnerships with retailers and technology companies to expand the bank's reach and offer new services. His leadership has been instrumental in maintaining Seven Bank's market position in the face of increasing competition.
Seven Bank, Ltd. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. SVNBY is traded as an unsponsored Level 1 ADR. This means Seven Bank, Ltd. has limited involvement in the ADR's issuance. Instead, a depositary bank purchases the shares in the home market (Tokyo) and issues ADRs representing those shares to U.S. investors. Level 1 ADRs have the fewest requirements, and are traded over-the-counter.
- Home Market Ticker: Tokyo Stock Exchange, Japan
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: SVNB
SVNBY OTC Market Information
SVNBY trades on the OTC Other tier, which represents the lowest tier of the OTC market. Companies on this tier often have limited reporting requirements and may not meet the minimum financial standards required for listing on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information availability, lower liquidity, and greater price volatility compared to exchange-listed stocks. Investors should exercise caution and conduct thorough due diligence before investing in SVNBY.
- OTC Tier: OTC Other
- Limited information availability due to less stringent reporting requirements.
- Lower liquidity compared to exchange-listed stocks, potentially leading to wider bid-ask spreads.
- Greater price volatility due to lower trading volumes.
- Potential for fraud or manipulation due to less regulatory oversight.
- Higher risk of delisting or trading suspension.
- Verify the company's registration and legal status.
- Obtain and review available financial reports and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the risks associated with investing in OTC stocks.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Established business operations and history.
- Presence of a functional website and contact information.
- Availability of some financial information, even if limited.
- Listing on a recognized OTC platform.
- Positive news coverage or industry recognition.
SVNBY Financial Services Stock FAQ
What does Seven Bank, Ltd. do?
Seven Bank, Ltd. operates primarily as a retail bank with a strong focus on ATM services in Japan and internationally. The bank provides a range of financial services, including deposit accounts, personal loans, and debit/credit card offerings. Its extensive ATM network is a key differentiator, offering convenient access to banking services for a broad customer base.
What do analysts say about SVNBY stock?
Analyst coverage of SVNBY stock is limited, reflecting its OTC listing and smaller market capitalization. Available analysis suggests a neutral outlook, with key considerations including the bank's dividend yield, growth potential in digital banking, and exposure to the Japanese economy. Valuation metrics, such as the P/E ratio, are compared against regional banking peers.
What are the main risks for SVNBY?
Seven Bank, Ltd. faces several risks, including increasing competition from larger banks and fintech companies in the digital banking space. Economic downturns in Japan could negatively impact loan performance and profitability. Regulatory changes in the financial services sector could increase compliance costs.
What are the key factors to evaluate for SVNBY?
Evaluate SVNBY on fundamentals, analyst consensus, and risk factors. Seven Bank, Ltd. presents a mixed investment thesis. Not financial advice.
How frequently does SVNBY data refresh on this page?
SVNBY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SVNBY's recent stock price performance?
Seven Bank, Ltd. (SVNBY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive ATM network provides high accessibility. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SVNBY overvalued or undervalued right now?
Seven Bank, Ltd. (SVNBY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SVNBY before investing?
Before investing in Seven Bank, Ltd. (SVNBY), 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) analyst consensus ratings and 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.
- Limited analyst coverage and information availability due to OTC listing.
- Currency risk associated with ADR investment.
- Economic sensitivity to Japanese market conditions.