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Data-driven stock valuation

Hachijuni Bank Ltd ADR (HACBY) fair value: what the stock is really worth

We calculate from audited financials what Hachijuni Bank Ltd ADR is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · US · Market cap $6.2B · ISIN US4045082025

At a glance

HB Hachijuni Bank Ltd ADR logo Hachijuni Bank Ltd ADR HACBY · US
Price$32.27
Fair Value$27.03
Upside−16.2%
Quality66/100

A solid business, but trading 19% above our fair value of $27.03.

As of Sep 8, 2026, the fair value of Hachijuni Bank Ltd ADR is $27.03 per share against a price of $32.27, so the fair value sits 16% below the price. A model estimate from reported figures, not an analyst target.

✓Healthy Growth (revenue 5y +16.4 %/yr)
✓Highly profitable · 25.7% net margin
✓Moderate debt · generates free cash flow
·2.39% dividend yield
!Trails peers (4/13)
!Moderate moat 49/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 12 out of 100
!Weak on past: 24 out of 100
Evidence: Medium Range $20.27 to $33.79

Fair value as of: Sep 8, 2026

From 4 valuation models · updated today

Fair value updated Sep 8, 2026, revised from $26.71 to $27.03 (+1.2%) since Aug 21, 2026. Share price +6.6% over the past month.

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

  • Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

$32.30 $2.11 Fair Value $27.03 Jan 2017 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 8, 2026.

How to read this chart

60‑month range $2.11 – $32.30 · fair‑value band $20.27 – $33.79 · the $32.27 price screens above the $27.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 8, 2026.

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Analysis

Hachijuni Bank Ltd ADR (HACBY) currently trades at $32.27, while our model-based Fair Value estimate is $27.03, implying the stock looks roughly 19.4% overvalued today. The Quality Score stands at 66/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 25 models at a data quality of 96/100, which puts the evidence level at medium.

Over the trailing twelve months, Hachijuni Bank Ltd ADR generated revenue of ¥251B at a net margin of 25.7%. Revenue grew 145.8% year over year. It earns a return on equity of 6.1%. The balance sheet holds a net cash position of ¥591B. Fundamentals as of Sep 8, 2026

Scenario range: $20.27 (bear) to $33.79 (bull), the price of $32.27 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 108% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −16%, HACBY screens richer than that median.

Fair Value models

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income best evidence $3,929 $4,020 $3,980 71
P/E Multiple $2,927 $3,903 $4,878 63
P/B Multiple $3,828 $5,103 $6,379 55
All 4 models by family
Multiples
P/E Multiple $2,927 $3,903 $4,878 63
P/B Multiple $3,828 $5,103 $6,379 55
Asset-Based
NCAV (Graham) $2,537 $3,399 $5,073 54
Economic Profit
Residual Income best evidence $3,929 $4,020 $3,980 71

Widest divergence: Economic Profit ($4,020) versus Asset-Based ($3,399). Highest evidence: Residual Income (71).

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Key figures & financial health

P/E ratio 18.3
P/S ratio 4.00 P/E × margin
EPS (TTM) $1.76 price ÷ EPS = P/E 18.3
Dividend yield 2.4% payout 43.8%
Net margin 21.8% FY2026
Return on equity 6.1% TTM
More key figures
Profitability
Return on assets (EBIT) 0.4% avg 5y
Operating margin 17.0% TTM
Growth
Revenue (TTM) ¥251B TTM
Revenue growth (YoY) +146% 3y avg +17.6%
EPS growth (YoY) +8.7%
Balance sheet & cash flow
Free cash flow ¥486B FY2026
Net cash ¥591B FY2026

Figures from reported company fundamentals · as of Sep 8, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 66/100

Of which business quality 72 · Market factors (momentum, volatility) 81

Profitability 29
Margins and returns on capital today
Quality Growth 62
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 70
Balance sheet, leverage, solvency risk
Investment 80
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 91
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Hachijuni Nagano Bank, Ltd. provides various banking products and services to individuals, corporations, and sole proprietors.

Full company description

Hachijuni Nagano Bank, Ltd. provides various banking products and services to individuals, corporations, and sole proprietors. It offers foreign currency, structured, time, property, public, payment, savings, and fixed deposits; housing, car, education card, 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. The company was formerly known as The Hachijuni Bank, Ltd. and changed its name to Hachijuni Nagano Bank, Ltd. in Jan 2026. The company was founded in 1877 and is headquartered in Nagano, Japan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Hachijuni Bank Ltd ADR reported revenue of ¥314B in FY2026 versus ¥146B in FY2022, a compound +21.1%/yr. Reported net income was ¥68.5B in FY2026, compounding +26.6%/yr from FY2022.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
$314B
Latest YoY
+31.8%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+17.6%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+16.4%
Avg. revenue growth/yr (21Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+3.0%
Value creation/yr (5Y, in JPY) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +29.2%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+26.8%
Dividend yield2.4%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 26.8% vs 10Y 10.7%, picking up
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21.7% (2021) → 27.0% (2026) · rising
Worst earnings drop98% (2009) · in USD
⚠ Final year 2026 sits 96% above trend (one-off), rate approximate
Revenue +21.1%/yr
FY22 ¥146B
FY23 ¥193B
FY24 ¥205B
FY25 ¥238B
FY26 ¥314B
Net income +26.6%/yr
FY22 ¥26.7B
FY23 ¥24.1B
FY24 ¥37.1B
FY25 ¥48.0B
FY26 ¥68.5B
Character of growth · EPS growth decomposed (2015-2026) +7.8 % p.a.
Revenue per share +4.7 %

of which total revenue +4.0 % · buybacks/dilution +0.7 %

EBIT margin +0.4 %
Tax rate +2.0 %
Residual (interest, one-offs) +0.5 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

HACBY screens 19% overvalued. Compare with DBS Group →

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Hachijuni Bank Ltd ADR · Fair Value
$27.03 −19%Fair Value
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Cite: Fair Value Calculator (2026). "Hachijuni Bank Ltd ADR Fair Value". https://www.fairvalue-calculator.com/stock/HACBY

Peer Group

Banks - Regional · 1074 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation
Quality Score 73 · Top 25%
Fair Value upside −17% · Below median
Profitability
Return on equity (TTM) 6% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 26% · Below median
Operating margin (TTM) 17% · Bottom 25%
Growth and dividend
Revenue growth 146% · Top 25%
Dividend yield (TTM) 2.4% · Below median
Balance sheet
Debt / equity 1.00× · Highest 25%

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 18.3× · Priciest 25%
P/FCF 0.0× · Cheapest 25%

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Hachijuni Bank Ltd ADR deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 yearsless than minus 40 % per year
Achieved revenue growth, 5 years+16.4 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price42.86 %
Discount rate (WACC) in the models8.5 %

The price sits beyond what a cash-flow model can represent: the valuation rests on more than today's free cash flow. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE12 · sector 32
FUTURE100 · sector 44
PAST24 · sector 41
HEALTH50 · sector 85
DIVIDEND48 · sector 51

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 8, 2026).

Stock Price Fair Value vs Fair Value
DBS Group D05 75.65 SGD 40.48 SGD −46%
China Merchants Bank Co 3968 HK$47.96 HK$76.51 +60%
Intesa Sanpaolo S.p.A ISP €6.74 €5.66 −16%
HDFC Bank Limited HDB $23.18 $24.12 +4%
BNP Paribas SA BNP €104.54 €144.64 +38%
UniCredit S.p.A UCG €84.71 €77.62 −8%
Mizuho Financial Group MFG $11.23 $9.72 −13%
ICICI Bank Limited ICICIBANK ₹1,423 ₹835.21 −41%
Oversea-Chinese Banking Corporation O39 31.07 SGD 19.80 SGD −36%
CaixaBank, S.A CABK €13.52 €8.85 −35%

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Frequently asked questions

Is Hachijuni Bank Ltd ADR (HACBY) overvalued or undervalued?
As of Sep 8, 2026, our model estimates a fair value of $27.03 versus a price of $32.27, about −16% upside (overvalued).
What is the fair value of HACBY?
Our model-based fair value for Hachijuni Bank Ltd ADR is $27.03 (as of Sep 8, 2026), built from audited fundamentals. The current price: $32.27.
What is the quality score of HACBY?
Hachijuni Bank Ltd ADR has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hachijuni Bank Ltd ADR (HACBY)?
Our model-based price target is the fair value of $27.03 (as of Sep 8, 2026) from 4 valuation models. Cautious scenario $20.27, optimistic scenario $33.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Hachijuni Bank Ltd ADR stock forecast for 2026?
Our models put fair value at $27.03, about −16% upside versus a price of $32.27 (overvalued). Cautious scenario $20.27, optimistic scenario $33.79. The calculation is refreshed regularly with new filings.
What is the revenue of Hachijuni Bank Ltd ADR (HACBY)?
Hachijuni Bank Ltd ADR reported trailing-twelve-month revenue of about ¥251B (latest available figure, as of Sep 8, 2026).
What is the net profit margin of HACBY?
The net profit margin of Hachijuni Bank Ltd ADR is about 25.7%, meaning it keeps roughly 25.7% of revenue as net income. Based on the latest reported figures.
Does Hachijuni Bank Ltd ADR pay a dividend?
Hachijuni Bank Ltd ADR currently shows a dividend yield of about 2.39% relative to its recent price (as of Sep 8, 2026).
What growth is priced into Hachijuni Bank Ltd ADR (HACBY)?
For today's price to be fair in a discounted-cash-flow model, Hachijuni Bank Ltd ADR would have to grow free cash flow by less than minus 40 % per year for ten years (discount rate 8.5 %, then 2 % perpetual growth). Over the last 5 years revenue grew +16.4 % per year. As of Sep 8, 2026.
What discount rate (WACC) does the fair value of HACBY use?
Our models discount Hachijuni Bank Ltd ADR at 8.5 %: a base by market capitalisation (mid), damped by beta 0.16, country premium for USA. The same rate applies in all 26 models.
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