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The Musashino Bank, Ltd. logo

The Musashino Bank, Ltd.

8336.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥2,699

+¥41.00 · +1.54%

Aug 25, 3:30 PM JST

8336.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Musashino Bank, Ltd., operating with its subsidiaries, provides a comprehensive suite of banking and financial services throughout Japan. Its primary offerings encompass a variety of deposit products, loans, and loan guarantees, complemented by credit cards and diverse leasing solutions including installment payments, automotive leases, and general equipment leasing. Beyond these core financial activities, the company actively participates in the development, sales, and maintenance of computer systems. It also conducts research into regional economies, offers management support for venture businesses, hosts seminars, and provides operational outsourcing. Additionally, Musashino Bank furnishes consultation and information services. As of March 31, 2021, the institution managed 99 branch locations alongside 9 dedicated mortgage loan centers. The Musashino Bank, Ltd. was founded in 1952 and is headquartered in Saitama, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Kazumasa Nagahori
Listed since
Jan 1, 2001
Employees
2,043

Market position

Day range

Current ¥2,699

52-week range

Current ¥2,699

Open
¥2,660
Previous close
¥2,658
Volume
228.5K
0.61× average
Average volume
374.84K
Average daily volume
Market cap
261.92B JPY
Beta
0.71
Market reference 1
50-day average
¥2,608.2
+3.48% above average
200-day average
¥2,164.15
+24.71% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
93.49B JPY
P/E (TTM)
16.72×
P/B (TTM)
0.96×
P/S (TTM)
2.6×
EV / EBITDA
3.48×
Earnings yield
7.46%
Free cash flow yield
17.88%
Dividend yield
2.10%

Profitability & efficiency

Gross margin
84.82%
Operating margin
25.40%
Net margin
15.82%
Return on equity
5.50%
Return on assets
0.27%
Return on invested capital
0.27%

Financial health

Debt / equity
0.3×
Current ratio
2.61×
Altman Z-score
0.13
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%71%39%8%Gross margin, FY2021: 94.33%Gross margin, FY2022: 94.51%Gross margin, FY2023: 93.25%Gross margin, FY2024: 89.53%Gross margin, FY2025: 81.48%Operating margin, FY2021: 23.43%Operating margin, FY2022: 22.08%Operating margin, FY2023: 23.53%Operating margin, FY2024: 23.02%Operating margin, FY2025: 24.58%Net margin, FY2021: 15.72%Net margin, FY2022: 15.43%Net margin, FY2023: 16.33%Net margin, FY2024: 16.74%Net margin, FY2025: 16.62%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.33%. Gross margin FY2022 94.51%. Gross margin FY2023 93.25%. Gross margin FY2024 89.53%. Gross margin FY2025 81.48%. Operating margin FY2021 23.43%. Operating margin FY2022 22.08%. Operating margin FY2023 23.53%. Operating margin FY2024 23.02%. Operating margin FY2025 24.58%. Net margin FY2021 15.72%. Net margin FY2022 15.43%. Net margin FY2023 16.33%. Net margin FY2024 16.74%. Net margin FY2025 16.62%.

Income trends

Revenue

92.75B JPY+18.08%

Operating income

22.8B JPY+26.09%

Net income

15.41B JPY+17.23%
Income trends across reported periods101.13B JPY67.63B JPY34.13B JPY627.1M JPYRevenue, FY2021: 57.27B JPYRevenue, FY2022: 70.42B JPYRevenue, FY2023: 68.99B JPYRevenue, FY2024: 78.55B JPYRevenue, FY2025: 92.75B JPYOperating income, FY2021: 13.42B JPYOperating income, FY2022: 15.55B JPYOperating income, FY2023: 16.23B JPYOperating income, FY2024: 18.08B JPYOperating income, FY2025: 22.8B JPYNet income, FY2021: 9B JPYNet income, FY2022: 10.87B JPYNet income, FY2023: 11.26B JPYNet income, FY2024: 13.15B JPYNet income, FY2025: 15.41B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 57.27B JPY. Revenue FY2022 70.42B JPY. Revenue FY2023 68.99B JPY. Revenue FY2024 78.55B JPY. Revenue FY2025 92.75B JPY. Operating income FY2021 13.42B JPY. Operating income FY2022 15.55B JPY. Operating income FY2023 16.23B JPY. Operating income FY2024 18.08B JPY. Operating income FY2025 22.8B JPY. Net income FY2021 9B JPY. Net income FY2022 10.87B JPY. Net income FY2023 11.26B JPY. Net income FY2024 13.15B JPY. Net income FY2025 15.41B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue92.75B JPY78.55B JPY68.99B JPY70.42B JPY57.27B JPY
Cost of goods sold17.18B JPY8.23B JPY4.66B JPY3.87B JPY3.25B JPY
Gross profit75.57B JPY70.32B JPY64.33B JPY66.56B JPY54.03B JPY
Selling, general, and administrative—19.72B JPY14.21B JPY14.17B JPY13.92B JPY
Operating expenses52.77B JPY52.24B JPY48.1B JPY51.01B JPY40.61B JPY
Interest income65.34B JPY52.19B JPY46.93B JPY42.57B JPY39.71B JPY
Interest expense13.74B JPY7.19B JPY4.62B JPY3.11B JPY1.05B JPY
Depreciation and amortization4.07B JPY3.98B JPY3.93B JPY3.73B JPY3.09B JPY
Operating income22.8B JPY18.08B JPY16.23B JPY15.55B JPY13.42B JPY
Net income15.41B JPY13.15B JPY11.26B JPY10.87B JPY9B JPY

Company facts updated Aug 25, 2026.

Earnings

Latest EPS result
48.01

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates103.4476.4249.422.37Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 97.73, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 31.81, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 29.76, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 42.04, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 39.68, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 47.37, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 26.32, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 48.01, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates38.86B32.26B25.65B19.04BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 20.54B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 21.09B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 22B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 23.67B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 25.23B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 27.04B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 29.74B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 37.37B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥48.3333

2025 complete year+81.3% since 2021

2026 partial: ¥30.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥41.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥41.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥90.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 26, 2026

Dividend

Ex-dividend Sep 29, 2025

¥80.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥65.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 27, 2025

Dividend

Ex-dividend Sep 27, 2024

¥60.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 8336.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
563.23M
Weight
0.02%
AUM
2.9T JPY
Expense ratio
0.05%
Price / 1D
¥420.4+0.65%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
29.35M
Weight
0.14%
AUM
20.17B USD
Expense ratio
0.36%
Price / 1D
$112.23+0.36%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
20.54M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.825+0.72%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
14.37M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.605+0.75%
State Street SPDR Portfolio Developed World ex-US ETF logoState Street SPDR Portfolio Developed World ex-US ETFSPDW
Market value
10.66M
Weight
0.03%
AUM
42.12B USD
Expense ratio
0.03%
Price / 1D
$52.165+0.70%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
9.26M
Weight
0.00%
AUM
194.72B USD
Expense ratio
0.07%
Price / 1D
$101.19+0.51%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
7.36M
Weight
0.04%
AUM
19.12B USD
Expense ratio
0.23%
Price / 1D
$94.51+0.49%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
7.27M
Weight
0.14%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.64+0.36%

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