Gunma Bank Valuation

Is 8334 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 8334 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 8334 (¥1032.5) is trading below our estimate of fair value (¥1559.53)

Significantly Below Fair Value: 8334 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8334?

Key metric: As 8334 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 8334. This is calculated by dividing 8334's market cap by their current earnings.
What is 8334's PE Ratio?
PE Ratio	10.1x
Earnings	JP¥39.18b
Market Cap	JP¥391.57b

8334 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	1.5x

Price to Earnings Ratio vs Peers

How does 8334's PE Ratio compare to its peers?

The above table shows the PE ratio for 8334 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	12.7x
8418 Yamaguchi Financial Group	12.6x	14.9%	JP¥346.9b
7337 Hirogin Holdings	11.8x	14.3%	JP¥342.0b
8359 Hachijuni Bank	15.7x	13.2%	JP¥461.2b
5830 Iyogin HoldingsInc	10.6x	4.8%	JP¥464.7b
8334 Gunma Bank	10.1x	6.9%	JP¥391.6b

Price-To-Earnings vs Peers: 8334 is good value based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (12.7x).

Price to Earnings Ratio vs Industry

How does 8334's PE Ratio compare vs other companies in the JP Banks Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap

No more companies available in this PE range

0 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 8334 is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the JP Banks industry average (9.9x).

Price to Earnings Ratio vs Fair Ratio

What is 8334's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

8334 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	10.1x
Fair PE Ratio	11.2x

Price-To-Earnings vs Fair Ratio: 8334 is good value based on its Price-To-Earnings Ratio (10.1x) compared to the estimated Fair Price-To-Earnings Ratio (11.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 8334 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	JP¥1,032.50	JP¥1,070.00 +3.6%	6.5%	JP¥1,140.00	JP¥1,000.00	n/a	2
Nov ’25	JP¥887.40	JP¥830.00 -6.5%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Oct ’25	JP¥892.10	JP¥830.00 -7.0%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Sep ’25	JP¥970.60	JP¥830.00 -14.5%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Aug ’25	JP¥1,043.00	JP¥830.00 -20.4%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Jul ’25	JP¥1,040.50	JP¥830.00 -20.2%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Jun ’25	JP¥1,081.50	JP¥830.00 -23.3%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
May ’25	JP¥949.20	JP¥830.00 -12.6%	20.5%	JP¥1,000.00	JP¥660.00	n/a	2
Apr ’25	JP¥847.50	JP¥630.00 -25.7%	4.8%	JP¥660.00	JP¥600.00	n/a	2
Mar ’25	JP¥823.60	JP¥630.00 -23.5%	4.8%	JP¥660.00	JP¥600.00	n/a	2
Feb ’25	JP¥743.00	JP¥630.00 -15.2%	4.8%	JP¥660.00	JP¥600.00	n/a	2
Jan ’25	JP¥690.00	JP¥630.00 -8.7%	4.8%	JP¥660.00	JP¥600.00	n/a	2
Dec ’24	JP¥748.30	JP¥630.00 -15.8%	4.8%	JP¥660.00	JP¥600.00	n/a	2
Nov ’24	JP¥748.40	JP¥525.00 -29.9%	14.3%	JP¥600.00	JP¥450.00	JP¥887.40	2
Oct ’24	JP¥697.60	JP¥525.00 -24.7%	14.3%	JP¥600.00	JP¥450.00	JP¥892.10	2
Sep ’24	JP¥675.00	JP¥525.00 -22.2%	14.3%	JP¥600.00	JP¥450.00	JP¥970.60	2

Analyst Forecast: Target price is less than 20% higher than the current share price.

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