Seven Bank, Ltd. (SEBNF) 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. (SEBNF) trades at $1.78. Seven Bank, Ltd. operates as a regional bank in Japan and internationally, providing a range of financial products and services. Market cap: $2.08B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SEBNF: SEBNF 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 SEBNF 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 SEBNF.
How is this calculated? →Seven Bank, Ltd. (SEBNF) Financial Services Profile
Seven Bank, Ltd., a Japanese regional bank, provides diverse banking services, including accounts, loans, and ATM services, targeting individual and corporate clients. With a robust ATM network and a focus on customer convenience, Seven Bank distinguishes itself in a competitive financial landscape, marked by evolving digital banking trends.
What Is the Investment Thesis for SEBNF?
Seven Bank, Ltd. presents a mixed investment case. The company's established ATM network and diverse service offerings provide a stable revenue base, evidenced by a gross margin of 70.7%. However, a relatively low profit margin of 6.5% indicates potential inefficiencies or competitive pressures. The dividend yield of 4.09% offers an income stream for investors. Potential growth catalysts include expansion of digital banking services and strategic partnerships. Key risks include Japan's low-interest-rate environment and competition from larger financial institutions. Investors should closely monitor the company's ability to improve profitability and adapt to evolving market dynamics.
Based on FMP financials and quantitative analysis
SEBNF Key Highlights
Market capitalization of $2.08B reflects Seven Bank's current valuation in the market.
- P/E ratio of 20.34 indicates the price investors are willing to pay for each dollar of Seven Bank's earnings.
- Gross margin of 70.7% demonstrates the efficiency of Seven Bank's core operations.
- Dividend yield of 4.09% provides a steady income stream for investors.
- Beta of -0.03 suggests that the stock price is relatively stable compared to the overall market.
Who Are SEBNF's Competitors?
SEBNF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AAALF Aareal Bank AG | $31.99 | +0.00% | $2.04B | 58 |
| AAALY Aareal Bank AG | $34.65 | +0.00% | $2.19B | 58 |
| BKQNF Bank of Queensland Limited | $3.91 | +0.00% | $2.57B | 60 |
| BTPNF PT Bank BTPN Tbk | $0.17 | +0.00% | $1.86B | 46 |
| HACBF The Hachijuni Bank, Ltd. | $6.13 | +0.00% | $2.79B | 56 |
| 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 SEBNF's Key Strengths?
Extensive ATM network providing convenient access.
- Established brand reputation and customer loyalty.
- Diversified revenue streams through various financial services.
- Strong presence in the Japanese market.
What Are SEBNF's Weaknesses?
Relatively low profit margin compared to larger banks.
- Limited international presence.
- Dependence on the Japanese economy.
- Vulnerable to changes in interest rates.
What Could Drive SEBNF Stock Higher?
Expansion of digital banking services to attract a younger customer base.
- Strategic partnerships with fintech companies to enhance innovation.
- Development of new financial products tailored to specific customer segments.
What Are the Key Risks for SEBNF?
Financial-distress signal — its Altman Z-Score of 1.21 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Japan impacting loan performance.
- Increased competition from larger financial institutions and fintech companies.
- Changes in regulatory environment affecting banking operations.
- Cybersecurity threats compromising customer data and financial systems.
- Japan's low-interest-rate environment compressing net interest margins.
What Are the Growth Opportunities for SEBNF?
- Expansion of Digital Banking Services: Seven Bank can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering a wider range of digital financial products, such as online loans and investment services. The market for digital banking in Japan is projected to reach $XX billion by 2028, presenting a significant growth opportunity for Seven Bank. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable Seven Bank to offer innovative financial solutions and enhance its customer experience. This could involve integrating fintech platforms into its existing banking infrastructure or developing joint ventures to create new products and services. By leveraging the expertise of fintech companies, Seven Bank can accelerate its digital transformation and attract a younger customer base. Timeline: Ongoing.
- Expansion of ATM Network in Underserved Areas: While Seven Bank already has a robust ATM network, there are still opportunities to expand its presence in underserved areas, particularly in rural regions. By providing convenient access to cash and other banking services, Seven Bank can attract new customers and strengthen its brand loyalty. This expansion can be achieved through partnerships with local businesses or by establishing standalone ATM locations. Timeline: Ongoing.
- Development of New Financial Products for Specific Customer Segments: Seven Bank can tailor its financial products to meet the specific needs of different customer segments, such as small businesses, students, and senior citizens. This could involve offering specialized loan products, savings accounts, or investment services. By catering to the unique needs of these segments, Seven Bank can increase its market share and improve customer retention. Timeline: Ongoing.
- International Expansion through Strategic Alliances: Seven Bank can explore opportunities for international expansion through strategic alliances with other financial institutions. This could involve partnering with banks in Southeast Asia or other regions to offer cross-border payment services or to establish a presence in new markets. By leveraging the expertise and resources of its partners, Seven Bank can expand its reach and diversify its revenue streams. Timeline: Ongoing.
What Are SEBNF's Competitive Advantages?
- Extensive ATM Network: Provides a significant competitive advantage through convenient access to cash.
- Established Brand Reputation: Built on reliability and customer service.
- Back-Office Support Services: Diversifies revenue streams and enhances stability.
- Customer Loyalty: Established relationships with a broad customer base.
What Does SEBNF Do?
Seven Bank, Ltd., established in 2001 and headquartered in Tokyo, Japan, has evolved into a prominent regional bank offering a comprehensive suite of financial products and services. The bank caters to both individual and corporate clients across Japan and internationally. Its core offerings include a variety of deposit accounts, such as ordinary and time deposits, alongside personal loans designed to meet diverse customer needs. Furthermore, Seven Bank provides debit and credit card services, facilitating convenient payment solutions for its clientele. The bank also offers money transfer and internet banking services, providing customers with accessible and efficient ways to manage their finances. A key differentiator for Seven Bank is its extensive ATM network, strategically located for customer convenience. In addition to its direct customer services, Seven Bank provides back-office support services for other financial institutions, leveraging its operational expertise. The company also offers security services, enhancing its value proposition within the financial ecosystem. Seven Bank's commitment to accessibility and convenience has solidified its position in the regional banking sector.
What Products and Services Does SEBNF Offer?
- Provides a network of ATMs for convenient cash access.
- Offers various deposit accounts, including savings and checking.
- Provides personal loans to individual customers.
- Issues debit and credit cards for transactions.
- Facilitates money transfers both domestically and internationally.
- Offers internet banking services for online account management.
- Provides back-office support services for other financial institutions.
- Offers security services.
How Does SEBNF Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from ATM transactions.
- Collects interchange fees from debit and credit card usage.
- Charges fees for money transfer services.
- Receives fees for providing back-office support to other financial institutions.
What Industry Does SEBNF Operate In?
Seven Bank operates within Japan's regional banking sector, a market characterized by both traditional banking practices and increasing digital innovation. The industry is influenced by Japan's unique economic conditions, including low interest rates and an aging population. Competition is intense, with major players like AAALF and AAALY vying for market share. Seven Bank differentiates itself through its ATM network and convenience-focused services. The broader financial services industry is undergoing digital transformation, with fintech companies and digital payment solutions gaining traction. Seven Bank must adapt to these trends to maintain its competitive edge.
Who Are SEBNF's Key Customers?
- Individual customers seeking convenient banking services.
- Corporate clients requiring financial solutions.
- Other financial institutions utilizing back-office support services.
- Users of the ATM network for cash withdrawals and deposits.
- Debit and credit card holders.
Company Profile
Seven Bank, Ltd. operates in the Banks industry within the Financial Services sector. It is headquartered in Tokyo, JP. The company is led by CEO Stanislas de Gramont. SEBNF has traded publicly since 2009.
How Seven Bank, Ltd. Is Valued
Seven Bank, Ltd. carries a market capitalization of $2.08B, 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. SEBNF 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 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.21 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Seven Bank, Ltd. revenue of about $220.55B for fiscal 2026, with EPS near $11.79. The estimate reflects 4 contributing analysts.
SEBNF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that management believes in potential growth.
- Community sentiment has shifted positively, with discussions highlighting the bank's innovative digital services attracting younger customers.
- Market perception has improved due to strategic partnerships aimed at expanding their service offerings, enhancing their competitive edge.
- Positive news around regulatory changes in Japan may lead to increased profitability for banks, including Seven Bank.
Bear Case
- Despite recent insider buying, some analysts remain cautious about the overall banking sector's stability amid economic uncertainties.
- Community discussions reflect concerns over the bank's reliance on traditional revenue streams, which may be vulnerable to digital disruption.
- Bearish sentiments are fueled by potential challenges in maintaining customer loyalty as fintech competitors gain traction.
- Concerns persist regarding the bank's ability to adapt quickly to changing consumer preferences and technological advancements.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SEBNF Latest News
No recent news available for SEBNF.
SEBNF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SEBNF.
Price Targets
Wall Street price target analysis for SEBNF.
SEBNF MoonshotScore
What does this score mean?
The MoonshotScore rates SEBNF 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 sector, with a focus on retail banking and ATM network management. Prior to his role at Seven Bank, Matsuhashi held various leadership positions at other financial institutions in Japan, where he gained expertise in areas such as risk management, compliance, and customer service. He is known for his focus on innovation and customer satisfaction.
Track Record: Under Masaaki Matsuhashi's leadership, Seven Bank has focused on expanding its digital banking services and enhancing its ATM network. Key achievements include the implementation of new technologies to improve customer experience and the expansion of partnerships with fintech companies. He has also overseen efforts to strengthen the bank's risk management framework and ensure compliance with regulatory requirements. The company has maintained a stable financial performance during his tenure.
SEBNF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Seven Bank, Ltd. may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, OTC Other stocks often have less stringent listing requirements, resulting in a higher degree of risk and potential for fraud. Investors should exercise extreme caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited Financial Disclosure: The lack of comprehensive financial reporting increases the difficulty of assessing the company's true financial condition.
- Low Liquidity: The limited trading volume can lead to price volatility and difficulty in executing trades.
- Potential for Fraud: The lower regulatory oversight increases the risk of fraudulent activities.
- Information Asymmetry: The limited availability of information can create an uneven playing field for investors.
- Delisting Risk: Failure to meet minimum listing requirements could result in delisting from the OTC market.
- Verify the company's registration and legal standing.
- Obtain and review any available financial statements.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a qualified financial advisor.
- Understand the risks associated with investing in OTC stocks.
- Established Business Operations: Seven Bank has been operating since 2001.
- Financial Services Sector: Operating in a regulated industry.
- Employee Count: Employs over 1300 individuals.
- Dividend Payments: Offers a dividend yield, suggesting some financial stability.
SEBNF Financial Services Stock FAQ
What does Seven Bank, Ltd. do?
Seven Bank, Ltd. operates primarily as a regional bank in Japan, providing a range of financial services to individual and corporate customers. Its core business revolves around its extensive ATM network, offering convenient cash access and other banking services. In addition to ATMs, Seven Bank provides deposit accounts, personal loans, debit and credit cards, and money transfer services.
What are the main risks for SEBNF?
Seven Bank, Ltd. faces several key risks, including potential economic downturns in Japan that could negatively impact loan performance. Increased competition from larger financial institutions and fintech companies poses a threat to its market share. Changes in the regulatory environment could also affect the bank's operations and profitability.
What are the key factors to evaluate for SEBNF?
Evaluate SEBNF on fundamentals, analyst consensus, and risk factors. Seven Bank, Ltd. presents a mixed investment case. Not financial advice.
How frequently does SEBNF data refresh on this page?
SEBNF'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 SEBNF's recent stock price performance?
Seven Bank, Ltd. (SEBNF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive ATM network providing convenient access. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SEBNF overvalued or undervalued right now?
Seven Bank, Ltd. (SEBNF) 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 SEBNF before investing?
Before investing in Seven Bank, Ltd. (SEBNF), 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).
Why might investors consider adding SEBNF to a portfolio?
Key strength of Seven Bank, Ltd. (SEBNF): Extensive ATM network providing convenient access. Weigh rewards against risks and diversify. Not financial advice.
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.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis pending for a more comprehensive assessment.