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The 77 Bank, Ltd. (8341.T)

JPY3,580.00 +50.00 (+1.42%)
JP JPX Financial Services Banks - Regional
Address 3-20, Chuo 3-chome 980-8777
Sendai, JP
CEO Hidefumi Kobayashi
IPO 2001-01-01
ISIN JP3352000008

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Description

The 77 Bank, Ltd., operating with its subsidiaries, delivers a comprehensive array of banking and financial offerings to a diverse clientele across Japan, including domestic businesses, local government entities, and both corporate and individual customers. The institution provides various deposit solutions, such as demand, time, and foreign currency accounts, alongside negotiable certificates of deposit, as well as a wide selection of loan products. Beyond these core services, the bank specializes in asset and liability management, offers investment vehicles like debt and equity securities and investment trusts, and facilitates derivatives trading. Additional services encompass credit risk oversight, credit card issuance, guarantee and credit assessment, research and consulting, computer-based contract work, fund management, and leasing. Founded in Sendai, Japan, in 1878, the bank maintained a network of 143 branches as of March 31, 2020.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY3,580.00 +50.00 (+1.42%)
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Volume Profile
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Liquidity & share structure
Average Volume
664.8K
Beta
0.13
Float Shares
492.59M
Free Float %
73.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.63% +5.17% -3.37% -1.72% +37.47% +22.38% +89.15% +306.05% +582.41% +402.12% +190.78%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3,580.00
DCF (Unlevered) 3,577.57 -0.1%
DCF (Levered) 6,294.28 +75.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 33% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 0 -2
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.32
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +23.4% Q1'26: +38.9% (vs Q1'25)
  • EPS growth
    +311.7% Q1'26: +429.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +33.9% (vs Q1'25)
  • ROIC
    Q1'26: +10.7% (vs Q1'25)
  • Share dilution
    -66.6% Q1'26: -66.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 6.72× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.01) × ERP
WACC = 74% × Ke + 26% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3,519.10 Current price: 3,580.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
1 Rev. Ana.
3 EPS Ana.
Mar 2027
2 Rev. Ana.
3 EPS Ana.
Mar 2028
2 Rev. Ana.
2 EPS Ana.
Mar 2029
1 Rev. Ana.
1 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
110.28B
est: 101.54B (+8.6%)
106.28B
est: 109.18B (-2.7%)
102.17B
est: 108.02B (-5.4%)
107.66B
est: 113.16B (-4.9%)
105.94B
est: 119.08B (-11.0%)
113.73B
est: 68.70B (+65.5%)
116.62B
est: 68.60B (+70.0%)
114.59B
est: 124.50B (-8.0%)
119.03B
est: 98.95B (+20.3%)
147.35B
est: 83.90B (+75.6%)
168.00B
est: 87.80B (+91.3%)
108.90B
95.32B – 122.48B
+24.0% YoY
122.00B
109.30B – 134.70B
+12.0% YoY
132.60B
113.58B – 151.62B
+8.7% YoY
145.40B
127.27B – 163.53B
+9.7% YoY
158.60B
138.82B – 178.38B
+9.1% YoY
EBITDA
37.00B
est: 32.13B (+15.2%)
31.43B
est: 34.54B (-9.0%)
27.15B
est: 34.18B (-20.6%)
28.66B
est: 35.80B (-19.9%)
26.97B
est: 37.68B (-28.4%)
29.40B
est: 21.74B (+35.3%)
28.12B
est: 21.70B (+29.6%)
35.85B
est: 39.39B (-9.0%)
38.42B
est: 31.31B (+22.7%)
47.36B
est: 26.01B (+82.1%)
59.12B
est: 27.22B (+117.2%)
33.76B
29.55B – 37.97B
+24.0% YoY
37.82B
33.88B – 41.76B
+12.0% YoY
41.11B
35.21B – 47.01B
+8.7% YoY
45.08B
39.45B – 50.70B
+9.7% YoY
49.17B
43.04B – 55.30B
+9.1% YoY
EBIT
32.66B
est: 29.60B (+10.3%)
27.09B
est: 31.83B (-14.9%)
23.29B
est: 31.49B (-26.0%)
25.04B
est: 32.99B (-24.1%)
22.59B
est: 34.72B (-34.9%)
26.18B
est: 20.03B (+30.7%)
24.82B
est: 20.00B (+24.1%)
32.45B
est: 36.30B (-10.6%)
35.41B
est: 28.85B (+22.7%)
44.21B
est: 23.97B (+84.4%)
56.27B
est: 25.08B (+124.3%)
31.11B
27.23B – 34.99B
+24.0% YoY
34.85B
31.23B – 38.48B
+12.0% YoY
37.88B
32.45B – 43.32B
+8.7% YoY
41.54B
36.36B – 46.72B
+9.7% YoY
45.31B
39.66B – 50.96B
+9.1% YoY
Net Income
17.05B
est: 16.43B (+3.7%)
15.86B
est: 15.74B (+0.7%)
16.11B
est: 17.36B (-7.2%)
18.31B
est: 19.00B (-3.6%)
17.67B
est: 18.18B (-2.8%)
18.26B
est: 16.09B (+13.5%)
16.47B
est: 16.37B (+0.6%)
22.23B
est: 20.97B (+6.0%)
25.06B
est: 25.66B (-2.4%)
29.80B
est: 27.37B (+8.9%)
39.27B
est: 106.02B (-63.0%)
148.31B
141.33B – 155.28B
+39.9% YoY
175.87B
166.02B – 185.71B
+18.6% YoY
188.50B
176.48B – 200.51B
+7.2% YoY
215.39B
180.47B – 250.32B
+14.3% YoY
243.50B
204.02B – 282.97B
+13.0% YoY
SGA
25.35B
est: 43.03B (-41.1%)
26.02B
est: 46.27B (-43.8%)
25.25B
est: 45.78B (-44.8%)
25.29B
est: 47.96B (-47.3%)
24.55B
est: 50.47B (-51.4%)
23.93B
est: 29.12B (-17.8%)
23.60B
est: 29.07B (-18.8%)
23.40B
est: 52.77B (-55.6%)
22.89B
est: 41.94B (-45.4%)
23.35B
est: 15.01B (+55.6%)
23.05B
est: 15.71B (+46.8%)
19.48B
17.05B – 21.91B
+24.0% YoY
21.83B
19.55B – 24.10B
+12.0% YoY
23.72B
20.32B – 27.13B
+8.7% YoY
26.01B
22.77B – 29.26B
+9.7% YoY
28.38B
24.84B – 31.91B
+9.1% YoY
EPS
25.31
est: 221.60 (-88.6%)
23.54
est: 212.25 (-88.9%)
23.97
est: 234.05 (-89.8%)
27.43
est: 256.25 (-89.3%)
26.43
est: 245.19 (-89.2%)
27.44
est: 216.90 (-87.3%)
24.77
est: 220.70 (-88.8%)
33.42
est: 282.80 (-88.2%)
37.64
est: 315.45 (-88.1%)
44.71
est: 369.00 (-87.9%)
58.83
est: 158.83 (-63.0%)
222.99
211.74 – 232.64
+40.4% YoY
265.35
248.73 – 278.23
+19.0% YoY
282.40
264.39 – 300.41
+6.4% YoY
322.70
270.38 – 375.02
+14.3% YoY
364.80
305.65 – 423.95
+13.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 C+ 2/5 4/5 2/5 3/5 2/5 1/5 1/5
2026-05-11 C+ 2/5 5/5 2/5 2/5 2/5 1/5 1/5
2026-05-08 B- 2/5 5/5 2/5 3/5 2/5 1/5 1/5
2026-05-07 B- 2/5 5/5 2/5 3/5 2/5 1/5 1/5
2026-05-01 B- 3/5 5/5 3/5 3/5 2/5 1/5 1/5
2026-04-30 B- 3/5 5/5 3/5 3/5 2/5 1/5 1/5
2026-04-28 B- 3/5 5/5 3/5 3/5 2/5 1/5 1/5
2026-04-27 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-24 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-23 B 3/5 5/5 3/5 4/5 2/5 1/5 1/5
2026-04-22 B 3/5 5/5 3/5 4/5 2/5 1/5 1/5
2026-04-21 B 3/5 5/5 3/5 4/5 2/5 1/5 2/5
2026-04-20 B 3/5 5/5 3/5 4/5 2/5 1/5 2/5
2026-04-17 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-16 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
10.85B
OE per share TTM
16.25
Owner's Yield
0.53%
Maintenance CapEx ratio
19.32%
Maint CapEx / Avg PPE
25.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 98 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Fidelity International Multifactor ETF FDEV 0.40% 1.10M 0.18%
2 iShares MSCI Japan Small-Cap ETF SCJ 0.31% 785.5K 0.50%
3 iShares MSCI Japan Small Cap UCITS ETF IDJP.L 0.30% 1.69M 0.58%
4 Avantis International Small Cap Value ETF AVDV 0.19% 35.34M 0.36%
5 iShares International Equity Factor ETF INTF 0.15% 5.12M 0.16%
6 Dimensional - International Small Cap Value ETF DISV 0.13% 6.05M 0.42%
7 iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ 0.11% 252.9K 0.83%
8 iShares MSCI EAFE Small-Cap ETF SCZ 0.11% 15.24M 0.40%
9 Avantis International Small Cap Equity ETF AVDS 0.10% 329.7K 0.30%
10 Avantis International Large Cap Value ETF AVIV 0.08% 1.62M 0.25%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
30.31M
Shares Outstanding
669.30M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Hidefumi Kobayashi President & Representative Director male
Hiroshi Kitazono Senior Executive Officer of General Affairs Department
Hiroshi Kobayashi Deputy President & Director male
Kazuhiro Aoki MD & Director male
Kentaro Motai Senior Executive Officer and Oroshimachi Branch Manager
Kuniaki Endo Senior Executive Officer and GM of Ishinomaki Branch, Kokumachi Branch & Shin-Nakazato Branch
Shuichi Ibuka Senior MD & Director male
Takayuki Kaneda Executive Officer & Head of Sales Department
Watanabe Takashi Senior Executive Officer & Head of Human Resources Department
Yusuke Shikado Executive Officer and Head of Compliance Division
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits