Kiyo Bank Valuation

Q: What is the Fair Price of 8370 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

8370 (¥2092) is trading below our estimate of [[fair value]] (¥2167.49)

Is 8370 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

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 8370 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 8370 (¥2092) is trading below our estimate of fair value (¥2167.49)

Significantly Below Fair Value: 8370 is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8370?

Key metric: As 8370 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 8370. This is calculated by dividing 8370's market cap by their current earnings.
What is 8370's PE Ratio?
PE Ratio	8.3x
Earnings	JP¥16.09b
Market Cap	JP¥133.97b

8370 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	n/a

Price to Earnings Ratio vs Peers

How does 8370's PE Ratio compare to its peers?

The above table shows the PE ratio for 8370 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	9.5x
7389 Aichi Financial Group	12x	n/a	JP¥119.5b
7380 Juroku Financial GroupInc	7.6x	n/a	JP¥154.5b
8368 Hyakugo Bank	9.6x	n/a	JP¥145.8b
8388 Awa Bank	8.6x	n/a	JP¥112.5b
8370 Kiyo Bank	8.3x	n/a	JP¥134.0b

Price-To-Earnings vs Peers: 8370 is good value based on its Price-To-Earnings Ratio (8.3x) compared to the peer average (9.5x).

Price to Earnings Ratio vs Industry

How does 8370'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: 8370 is good value based on its Price-To-Earnings Ratio (8.3x) compared to the JP Banks industry average (9.9x).

Price to Earnings Ratio vs Fair Ratio

What is 8370'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.

8370 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	8.3x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 8370's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

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

Analyst Forecast: Insufficient data to show price forecast.

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