The Hachijuni Bank, Ltd. (HACBY)
ValueMarkers Composite Index
83% below intrinsic value ($1)
The Hachijuni Bank, Ltd. (HACBY) — VMCI valuation read
Headline read on HACBY: VMCI of 66/100 versus a Financial Services sector median of 50. The 16-point above-median position is what makes The Hachijuni Bank, Ltd. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on HACBY: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on HACBY: value (HACBY trades at 17.0x earnings, 6% below the Financial Services median of 18.0x), quality (ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of -1.0x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
HACBY fell 0.5% over the trailing 7 days, with a -16.2% 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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