8334:TSEGunma Bank, Ltd. Analysis
Data as of 2026-03-14 - not real-time
¥2,100.50
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
Technical outlook: The stock is trading above its short‑term and mid‑term moving averages, indicating a bullish trend, while the longer‑term average also sits below price, reinforcing momentum. Momentum oscillators sit near neutral, and the MACD histogram is negative, suggesting short‑term bearish pressure but not enough to overturn the overall uptrend. Volume is on the rise, supporting the price advance, and the current price sits comfortably above a well‑defined support level with upside potential toward the nearest resistance.
Fundamental backdrop: Revenue growth is robust for a regional bank, and profitability metrics such as operating and profit margins are healthy. The price‑to‑earnings ratio aligns closely with the industry average, while the price‑to‑book ratio suggests modest premium pricing. Dividend yield is attractive and the payout ratio indicates sustainability. With a modest upside estimate and a “Buy” consensus from analysts, the stock presents a balanced risk‑reward profile for investors.
Fundamental backdrop: Revenue growth is robust for a regional bank, and profitability metrics such as operating and profit margins are healthy. The price‑to‑earnings ratio aligns closely with the industry average, while the price‑to‑book ratio suggests modest premium pricing. Dividend yield is attractive and the payout ratio indicates sustainability. With a modest upside estimate and a “Buy” consensus from analysts, the stock presents a balanced risk‑reward profile for investors.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 7/10
Key Factors
- Price above short‑term averages supports current momentum
- MACD histogram indicates slight bearish pressure
- Strong dividend yield adds income buffer
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Revenue growth outpacing peers
- Target price modestly above current level
- Sustained dividend payments and healthy payout ratio
Long Term
> 3 yearsNeutral
Model confidence: 7/10
Key Factors
- Stable regional banking franchise with solid capital base
- Consistent profitability and dividend track record
- Managed exposure to macro‑economic swings reflected in moderate volatility
Key Metrics & Analysis
Financial Health
Revenue Growth25.70%
Profit Margin31.28%
P/E Ratio16.4
ROE9.69%
ROA0.53%
P/B Ratio1.3
Industry P/E16.4
Technical Analysis
TrendBullish
RSI50.1
Support¥1,950.00
Resistance¥2,323.50
MA 20¥2,146.23
MA 50¥2,016.48
MA 200¥1,611.96
MACDBearish
VolumeIncreasing
Fear & Greed Index72.88
Valuation
Target Price¥2,125.00
Upside/Downside1.17%
GradeFair
TypeBlend
Dividend Yield2.86%
Risk Assessment
Beta0.55
Volatility52.95%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.