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Hachijuni Nagano Bank, Ltd. HACBY

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Price alert · HACBY

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31.78 USD 0.00 0.00%

At close · Oct 30

32.20 Day range 32.20
17.65 52-week range 32.30
YTD
+44.06%
1 year
+81.91%
Open
32.20
Prev close
31.78
Mkt cap
7.22B
Vol
201
Avg vol
4
EPS
2.04
P/E
15.58
More statistics
Low
32.20
High
32.20
Earnings
Nov 6, 2026

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 4

Valuation

P/E 12.7×
FY 2017: 61.6×FY 2018: 56.7×FY 2019: 52.7×FY 2020: 45.7×FY 2021: 45.9×FY 2022: 39.3×FY 2023: 62.6×FY 2024: 69.5×FY 2025: 10.5×FY 2026: 12.7×
FY 2017 5y median 39.3× FY 2026
P/S 2.8×
FY 2017: 8.1×FY 2018: 8.4×FY 2019: 7.7×FY 2020: 6.4×FY 2021: 7.0×FY 2022: 7.2×FY 2023: 7.8×FY 2024: 12.6×FY 2025: 2.1×FY 2026: 2.8×
FY 2017 5y median 7.2× FY 2026
P/B 0.8×
FY 2017: 2.3×FY 2018: 2.0×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.7×FY 2024: 2.3×FY 2025: 0.5×FY 2026: 0.8×
FY 2017 5y median 1.2× FY 2026
P/FCF 1.8×
FY 2017: 6.1×FY 2018: 3.0×FY 2019: 1.3×FY 2020: -6.9×FY 2021: 0.8×FY 2022: 1.3×FY 2023: -2.5×FY 2024: -71.5×FY 2025: 5.3×FY 2026: 1.8×
FY 2017 5y median 1.3× FY 2026
EV/EBITDA 3.1×
FY 2017: 21.3×FY 2018: 12.3×FY 2019: 21.1×FY 2020: 25.7×FY 2021: 15.6×FY 2022: 13.5×FY 2023: 23.9×FY 2024: 37.8×FY 2025: -5.0×FY 2026: 3.1×
FY 2017 5y median 13.5× FY 2026
EV/Sales 0.9×
FY 2017: 4.9×FY 2018: 3.2×FY 2019: 5.5×FY 2020: 6.3×FY 2021: 4.0×FY 2022: 4.1×FY 2023: 5.0×FY 2024: 10.5×FY 2025: -1.5×FY 2026: 0.9×
FY 2017 5y median 4.1× FY 2026
FCF Yield 55.8%
FY 2017: 16.3%FY 2018: 33.0%FY 2019: 76.4%FY 2020: -14.4%FY 2021: 132.4%FY 2022: 76.6%FY 2023: -39.4%FY 2024: -1.4%FY 2025: 19.0%FY 2026: 55.8%
FY 2017 5y median 19.0% FY 2026

Profitability

Gross Margin 81.7%
FY 2017: 94.1%FY 2018: 94.9%FY 2019: 92.4%FY 2020: 91.9%FY 2021: 95.3%FY 2022: 97.0%FY 2023: 90.6%FY 2024: 81.9%FY 2025: 81.1%FY 2026: 81.7%
FY 2017 5y median 81.9% FY 2026
Operating Margin 27.0%
FY 2017: 19.8%FY 2018: 22.6%FY 2019: 22.0%FY 2020: 20.7%FY 2021: 21.7%FY 2022: 26.1%FY 2023: 18.0%FY 2024: 24.8%FY 2025: 26.7%FY 2026: 27.0%
FY 2017 5y median 26.1% FY 2026
Net Margin 21.8%
FY 2017: 13.2%FY 2018: 14.8%FY 2019: 14.6%FY 2020: 14.0%FY 2021: 15.3%FY 2022: 18.3%FY 2023: 12.5%FY 2024: 18.1%FY 2025: 20.2%FY 2026: 21.8%
FY 2017 5y median 18.3% FY 2026
ROE 5.9%
FY 2017: 3.7%FY 2018: 3.5%FY 2019: 3.1%FY 2020: 3.0%FY 2021: 2.5%FY 2022: 2.9%FY 2023: 2.6%FY 2024: 3.3%FY 2025: 5.0%FY 2026: 5.9%
FY 2017 5y median 3.3% FY 2026
ROIC 0.5%
FY 2017: 1.5%FY 2018: 1.2%FY 2019: -0.5%FY 2020: 0.7%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.5%FY 2024: 0.7%FY 2025: 1.3%FY 2026: 0.5%
FY 2017 5y median 0.5% FY 2026
ROA 0.5%
FY 2017: 0.3%FY 2018: 0.3%FY 2019: 0.2%FY 2020: 0.2%FY 2021: 0.2%FY 2022: 0.2%FY 2023: 0.2%FY 2024: 0.3%FY 2025: 0.4%FY 2026: 0.5%
FY 2017 5y median 0.3% FY 2026

Growth (YoY)

Revenue 31.8%
FY 2017: 18.1%FY 2018: -12.9%FY 2019: -11.6%FY 2020: 2.4%FY 2021: -7.0%FY 2022: -0.6%FY 2023: 32.2%FY 2024: 6.4%FY 2025: 16.1%FY 2026: 31.8%
FY 2017 FY 2026
Operating Income 33.0%
FY 2017: -18.5%FY 2018: -0.7%FY 2019: -13.9%FY 2020: -3.4%FY 2021: -2.7%FY 2022: 19.6%FY 2023: -8.7%FY 2024: 46.3%FY 2025: 25.2%FY 2026: 33.0%
FY 2017 FY 2026
EPS (diluted) 47.7%
FY 2017: -13.3%FY 2018: -1.8%FY 2019: -11.4%FY 2020: -0.8%FY 2021: 2.1%FY 2022: 19.1%FY 2023: -8.4%FY 2024: 53.1%FY 2025: 32.6%FY 2026: 47.7%
FY 2017 FY 2026
Free Cash Flow 407.4%
FY 2017: 233.8%FY 2018: 82.4%FY 2019: 87.5%FY 2020: -116.1%FY 2021: 1032.0%FY 2022: -41.0%FY 2023: -174.3%FY 2024: 94.0%FY 2025: 365.7%FY 2026: 407.4%
FY 2017 FY 2026

Financial Health

Current Ratio 2.5×
FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×FY 2026: 2.5×
FY 2017 5y median 0.4× FY 2026
Quick Ratio 2.5×
FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×FY 2026: 2.5×
FY 2017 5y median 0.4× FY 2026
Debt / Equity 2.0×
FY 2017: 0.3×FY 2018: 0.6×FY 2019: 2.2×FY 2020: 2.2×FY 2021: 2.6×FY 2022: 4.0×FY 2023: 3.3×FY 2024: 2.9×FY 2025: 2.3×FY 2026: 2.0×
FY 2017 5y median 2.9× FY 2026
Net Debt / EBITDA -6.5×
FY 2017: -14.1×FY 2018: -19.9×FY 2019: -8.6×FY 2020: -0.5×FY 2021: -11.6×FY 2022: -10.5×FY 2023: -13.6×FY 2024: -7.6×FY 2025: -12.2×FY 2026: -6.5×
FY 2017 5y median -10.5× FY 2026
Interest Coverage 1.5×
FY 2017: 3.3×FY 2018: 4.4×FY 2019: 2.9×FY 2020: 2.6×FY 2021: 4.6×FY 2022: 8.8×FY 2023: 1.9×FY 2024: 1.4×FY 2025: 1.5×FY 2026: 1.5×
FY 2017 5y median 1.5× FY 2026

Dividends

Dividend Yield 2.7%
FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.7%FY 2021: 0.7%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.4%FY 2025: 2.6%FY 2026: 2.7%
FY 2017 5y median 0.7% FY 2026
Payout Ratio 34.9%
FY 2017: 28.9%FY 2018: 27.5%FY 2019: 28.9%FY 2020: 31.4%FY 2021: 30.6%FY 2022: 25.7%FY 2023: 40.3%FY 2024: 26.0%FY 2025: 27.0%FY 2026: 34.9%
FY 2017 5y median 27.0% FY 2026

Annual · latest fiscal year ends 2026-03-31