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Regional bank serving Nagano prefecture, offering retail and corporate banking.
Regional bank serving Nagano prefecture, offering retail and corporate banking.
Largest bank in Nagano, earning interest on loans to local households and firms funded by local deposits, plus fees on investment products and insurance. Years of near-zero rates compressed margins until the Bank of Japan began raising rates in 2024.
In one line: A regional Japanese bank holding company.
Moat: narrow (regulatory licence, distribution). Long-standing regional deposit franchise in Nagano prefecture.
Headquarters: Nagano, Japan · Founded: 1931 · Employees: 4,128
Size Hachijuni Nagano Bank (8359.T) is a Japan Financials company (Regional Banks) with a market value of $6.53B, the 194th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,250 on 6 Nov 2026.
Performance Over six months the shares gained 6.1%, against +4.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 20.0% over the last twelve months (peer median +4.1%); the operating margin is 21.9% (peer median 45.2%).
Valuation It trades at 0.85× book value against a peer median of 1.33× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 5.6%; Hachijuni Nagano Bank delivers 6.5%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥273B | ¥300B | ¥213B | ¥196B | ¥178B |
| Revenue growth | — | +41% | +9% | +10% | — |
| Net income | ¥71.9B | ¥64.6B | ¥48.0B | ¥37.1B | ¥24.1B |
| Free cash flow | n/a | ¥46.3B | ¥95.7B | -¥36.0B | ¥6.61B |
| Capital expenditure | n/a | ¥11.8B | ¥9.52B | ¥8.55B | ¥7.37B |
| Total debt | ¥2.12T | ¥2.27T | ¥2.40T | ¥3.78T | ¥3.49T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Hachijuni Nagano Bank 8359.T | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% |
| Kyoto Financial Group,Inc 5844.T | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% |
| Gunma Bank 8334.T | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% |
| Daishi Hokuetsu Financial 7327.T | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% |
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
| Yamanashi Chuo Bank 8360.T | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8359.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -21.0% | +1.5% | 3rd lowest of 21 |
| 6-month return | +6.1% | +4.2% | 10th highest of 21 |
| Return on equity | 6.5% | 10.8% | 2nd lowest of 21 |
| Price / book | 0.85× | 1.33× | 5th cheapest of 21 |
| Trailing P/E | 14.3× | 13.0× | 9th most expensive of 20 |
| ROE the price implies | 5.6% | 9.2% | 5th least demanding of 21 |
| ROE delivered | 6.5% | 10.9% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |