The Hachijuni Bank, Ltd. (8359.T)
ValueMarkers Composite Index
82% below intrinsic value ($77)
The Hachijuni Bank, Ltd. (8359.T) — VMCI valuation read
Composite valuation read on 8359.T: VMCI 65/100 against a Financial Services sector median of 50. The 15-point above-median print is the headline number for The Hachijuni Bank, Ltd., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for 8359.T: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on 8359.T: 8359.T trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; ROIC of 9.0% trails the Financial Services median (10.0%) by 1.0pp; net debt to EBITDA of -0.8x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
8359.T fell 1.2% over the trailing 7 days, with a -11.2% read on a 30-day basis.
The Hachijuni Bank, Ltd. provides various banking products and services to individual customers, corporations, and sole proprietors. It offers foreign currency, structured, time, property, public, payment, relay, savings, and fixed deposits; housing, car, education card, remodeling, card, medical, overdraft, business, founding support, and Hachini free loans; public and private placement bonds; and life, medical, education, and fire insurance products. The company also provides credit and debit cards; pension plans; and investment trust, inheritance, internet and mobile banking, pension consultation, foreign currency reserve, payment collection, expense settlement, and management and business support services, as well as information on civil trust. It also engages in financial products brokerage business. As of March 31, 2022, the company operated 142 branches, 9 branch offices, and 221 ATMs in Japan; 1 branch in Hong Kong; and 3 representative offices in Shanghai, Bangkok, and Singapore. The Hachijuni Bank, Ltd. was founded in 1877 and is headquartered in Nagano, Japan.
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