Hachijuni Nagano Bank, Ltd (HACBY) Fair Value & Analysis
Financial Services · US · Market cap $6.2B
Hachijuni Nagano Bank, Ltd
HACBY · US
Fair value as of: Jun 26, 2026
From 25 valuation models · updated 28 days ago
Fair value updated Jun 26, 2026, revised from $44.04 to $24.20 (−45.0%) since Jun 24, 2026. Share price +11.2% over the past month.
Price vs Fair Value (12 months)
12‑month range $3.80 – $30.26 · fair‑value band $18.15 – $30.25 · the $30.26 price screens above the $24.20 fair value. As of Jun 26, 2026.
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Hachijuni Nagano Bank, Ltd (HACBY) currently trades at $30.26, while our model-based Fair Value estimate is $24.20, implying the stock looks roughly 20.0% overvalued today. We read business quality at 72/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Hachijuni Nagano Bank, Ltd 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 Jun 26, 2026
Our scenario range runs from $18.15 (bear case) to $30.25 (bull case); at $30.26, the current price sits above that range. The share trades near its 52-week high and 95% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 36% fair-value upside, at -20%, HACBY screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Hachijuni Nagano Bank, Ltd 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.
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Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 5,650 IDR | 5,671 IDR | +0% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,910 IDR | 4,891 IDR | +68% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,500 KRW | 122,401 KRW | +14% |
| Hana Financial Group 086790 | 119,700 KRW | 162,890 KRW | +36% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 179.00 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,700 VND | 63,824 VND | +3% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.