1. Japan Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
The Hachijuni Bank, Ltd.

The Hachijuni Bank, Ltd.

HACBY
The Hachijuni Bank, Ltd.US flagOther OTC
27.21
USD
- -
- -
6.21BMarket Cap
The Hachijuni Bank, Ltd.
HACBY
(Other OTC)

Recent

price

27.21

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
567.54
585.61
584.53
609.44
610.61
623.55
742.46
652.55
571.22
588.23
571.1
577.69
721.66
691.93
850.08
1,062.14
356.05
Revenue per Share
77.64
67.93
87.22
104.77
108.2
119.71
103.86
102
90.36
89.6
91.46
108.93
99.81
152.74
202.46
282.37
43.95
Basic EPS, GAAP
820.98
988.84
1,538.57
916.57
328.66
344.87
1,073.74
1,936.6
3,666.17
-562.39
5,579.67
3,309.33
-2,433.6
1,874.58
-2,698.3
-1,926.14
- -
Free Cash Flow per Basic Share
13.05
16
15.02
23
22.07
31.83
30
28
26.12
28.12
27.99
28
40.23
39.67
54.66
98.51
- -
Dividend per Share
1,411.02
1,489.3
1,570.72
1,657.65
1,746.54
1,829.06
1,893.45
1,967.55
2,066.65
2,149.4
2,227.26
2,306.4
2,362.55
2,466.93
2,667.36
2,948.23
2,538.78
Book Value per Share
1,764.81
1,908.73
2,198.88
2,326.48
2,732.56
2,699.61
2,914.35
3,045.66
3,053.45
3,017.18
3,697.49
3,709.17
3,769.24
4,589.15
4,065.83
5,034.86
4,477.91
Tangible Book Value per Share
260
256
254
253
251
252
253
253
249
246
245
245
242
243
237
229
241
Basic Weighted Avg Shares
147,731
149,641
148,445
154,263
153,420
157,155
188,097
165,310
142,188
144,930
139,774
141,428
174,507
167,937
201,464
242,887
85,760
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
5,441
5,610
5,567
5,556
5,653
5,558
6,169
6,161
5,959
5,842
5,847
5,560
5,543
5,965
6,186
6,088
- -
Depreciation Expense
20,210
17,359
22,151
26,519
27,185
30,171
26,312
25,840
22,492
22,077
22,384
26,667
24,135
37,071
47,982
64,572
10,586
Net Income, GAAP
41.64
41.25
37.5
37.1
37.36
34.25
29.85
31.02
29.7
28.99
29.2
29.44
30.31
27.13
25.85
18.97
37.64
Effective Tax Rate (%)
13.68
11.6
14.92
17.19
17.72
19.2
13.99
15.63
15.82
15.23
16.01
18.86
13.83
22.07
23.82
26.59
12.34
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
25,713
149,179
190,997
140,841
96,612
212,169
238,207
443,483
1,627,891
1,631,929
2,315,863
3,592,855
3,052,603
3,286,003
2,176,443
2,017,837
2,571,385
LT Debt
465,045
492,642
563,237
594,050
692,207
686,157
743,553
777,066
765,508
748,429
909,692
912,696
915,951
1,118,274
967,657
1,156,163
1,082,847
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.57
4.64
5.68
6.48
6.33
6.71
5.59
5.28
4.44
4.23
4.17
4.81
4.25
6.34
7.8
9.89
1.76
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
482
- -
477
Market Capitalization
2,538,409
2,483,858
2,512,502

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,717,670
- -
2,985,148
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.95%
5.76%
19.48%
Free Cash Flow
-148.37%
-132.46%
-31.12%
Net Income, GAAP
9.93%
25.45%
34.58%
Sales/Revenue/Turnover
5.33%
12.27%
20.56%
Total Cash Common Dividend
13.46%
29.88%
73.9%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
38,692
43,485
42,491
43,269
167,937
2025
- -
- -
- -
- -
201,464
2026
- -
- -
- -
- -
242,887

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
108.79
- -
- -
- -
152.74
2025
- -
- -
- -
- -
202.46
2026
- -
- -
- -
- -
282.37

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
39.67
2025
- -
- -
- -
- -
54.66
2026
- -
- -
- -
- -
98.51
Similar Companies
Denmark Bancshares, Inc. (DMKBA)
The Shizuoka Bank, Ltd. (SHZUY)
Nicolet Bankshares, Inc. (NIC)
Crédit Agricole S.A. (CRARY)
Bank of Ayudhya Public Company Limited (BKAHF)
Peoples Bancorp Inc. (PEBO)
Business
The Hachijuni Bank, Ltd. is a regional bank headquartered in Nagano, Japan, primarily serving individual, corporate, and sole proprietor clients. The bank offers a comprehensive range of financial products including deposit accounts such as foreign currency, structured, time, property, public, payment, relay, savings, and fixed deposits; various loan products including housing, car, education, card, remodeling, medical, overdraft, business, founding support, and Hachini free loans; public and private placement bonds; and insurance products including life, medical, education, and fire insurance. Additional services encompass credit and debit card issuance, pension plans, investment trusts, inheritance services, internet and mobile banking, pension consultation, foreign currency reserves, payment collection, expense settlement, management and business support services, civil trust information, and financial products brokerage activities. The bank operates in the financial services industry with a focus on regional banking and investment services and maintains subsidiaries including Hachijuni Securities and Eighty-two Asset Management Co., Ltd. Founded in 1877, The Hachijuni Bank has consistently emphasized customer-centric banking and regional economic development. In the most recent strategic development, The Hachijuni Bank announced a merger with its wholly owned subsidiary, The Nagano Bank, effective January 1, 2026, aimed at enhancing regional presence and operational efficiency under the new entity Hachijuni Nagano Bank. This merger aligns with the bank’s medium-term management plan emphasizing digital transformation, regional industry support, and investment in human resources and artificial intelligence to improve competitiveness and sustainability. The bank also conducted an equity buyback in late 2025, purchasing 12 million shares to enhance shareholder value. These initiatives reflect a strategic shift towards sustainable growth, profitability, and innovation in banking services within the Shinshu region and broader Japan. The bank’s operations focus on community engagement, leveraging technology to improve service offerings while supporting local business development. Overall, The Hachijuni Bank, Ltd. combines traditional regional banking services with modern financial solutions including leasing, trading, credit guarantees, and venture capital, operating primarily in Japan with some overseas branches, and remains headquartered in Nagano Prefecture. Its ongoing integration with The Nagano Bank exemplifies its commitment to regional enhancement and adaptability in a changing financial landscape.