Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
8551.T
Strong BuyFLAGThe Kita-Nippon Bank, Ltd. · Financial Services · Japan · $414M · Avg Vol: $2M/d
The Kita-Nippon Bank is cheap at V68 with strong momentum M73, but quality at Q41 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
The Kita-Nippon Bank, Ltd. provides commercial banking services, including deposits, loans, and investment products, primarily in Iwate Prefecture. The bank maintains a secure regional moat through its deep-rooted relationships with local small-to-medium enterprises (SMEs) and individual depositors. It operates as a conservative regional financial institution focused on community-based lending and regional economic revitalization.
FINANCIAL SUMMARY (JPY)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 21.4B | 26.8B | 22.8B | 25.0B | 5.4% | 27.8B |
| EPS (JPY) | 249.44 | 316.68 | 364.62 | 475.57 | 532.55 | 20.9% | 531.25 |
| Shares | — | 8.4M | 8.4M | 8.3M | 8.2M | -2.5% | 8.2M |
| Debt | — | 1.7B | 1.6B | 1.4B | 1.5B | -4.2% | 1.4B |
| Equity | — | 75.3B | 86.0B | 86.5B | 95.0B | 8.1% | — |
| Op CF | — | -211.0B | -27.4B | -17.1B | 19.9B | — | -4.6B |
| Inv CF | — | 22.8B | 71.8B | -5.0B | -5.0B | — | — |
| Fin CF | — | -546.0M | -507.0M | -1.3B | -1.7B | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 8551.T are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 8551.T | The Kita-Nippon Bank, Ltd.(you) | $414M | 88 | Strong Buy |
| 8713.T | FIDEA Holdings Co. Ltd. | $323M | 80 | Buy |
| 8395.T | The Bank of Saga Ltd. | $700M | 80 | Strong Buy |
| 8387.T | The Shikoku Bank, Ltd. | $946M | 85 | Strong Buy |
| 8338.T | Tsukuba Bank, Ltd. | $390M | 63 | Hold |
| 7184.T | The First Bank Of Toyama, Ltd. | $1.3B | 82 | Strong Buy |
| 8541.T | The Ehime Bank, Ltd. | $785M | 70 | Buy |
| 8537.T | The Taiko Bank, Ltd. | $182M | 73 | Buy |
| 8345.T | The Bank of Iwate, Ltd. | $1.1B | 74 | Buy |
| 8344.T | The Yamagata Bank, Ltd. | $912M | 71 | Buy |
Peer medians: ROE 8.4% · P/E 16.3x · Gross margin 67.6%