77 Bank (8341.T) Stock Price
77 Bank Price
Over the last 19 years 77 Bank grew revenue by 2.4% annually, reaching 207.30 B JPY. Earnings per share have grown at 9.1% per year over the last 19 years. For 77 Bank, the net margin of 26.1% is up versus 19.4% a few years ago. At today's price the dividend yield works out to roughly 2.84%. The payout ratio is around 107% of earnings. The dividend has grown at 12.6% per year over the past 19 years. The consensus 12-month price target for 77 Bank is 8,466.00 JPY, about 101.7% above where the stock trades today. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 124% above its 52-week low.
77 Bank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of 77 Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how 77 Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing 77 Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | 77 Bank Price |
|---|---|
| 9/25/2026 | 4,197.00 JPY |
| 9/18/2026 | 4,047.00 JPY |
| 9/17/2026 | 4,079.00 JPY |
| 9/16/2026 | 4,062.00 JPY |
| 9/15/2026 | 4,048.00 JPY |
| 9/14/2026 | 4,066.00 JPY |
| 9/11/2026 | 3,965.00 JPY |
| 9/10/2026 | 3,974.00 JPY |
| 9/9/2026 | 3,845.00 JPY |
| 9/8/2026 | 3,885.00 JPY |
| 9/7/2026 | 3,997.00 JPY |
| 9/4/2026 | 3,972.00 JPY |
| 9/3/2026 | 4,070.00 JPY |
| 9/2/2026 | 3,974.00 JPY |
| 9/1/2026 | 3,965.00 JPY |
| 8/31/2026 | 3,978.00 JPY |
| 8/28/2026 | 3,934.00 JPY |
| 8/27/2026 | 3,912.00 JPY |
| 8/26/2026 | 3,872.00 JPY |
| 8/25/2026 | 3,797.00 JPY |
| 8/24/2026 | 3,742.00 JPY |
| 8/21/2026 | 3,745.00 JPY |
| 8/20/2026 | 3,645.00 JPY |
| 8/19/2026 | 3,694.00 JPY |
| 8/18/2026 | 3,912.00 JPY |
| 8/17/2026 | 3,878.00 JPY |
| 8/14/2026 | 3,837.00 JPY |
| 8/13/2026 | 3,834.00 JPY |
| 8/12/2026 | 3,707.00 JPY |
| 8/10/2026 | 3,634.00 JPY |
77 Bank Revenue, Net Income
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77 Bank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB JPY |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB JPY |
| NET INCOMEB JPY |
| NET INCOME GROWTH% |
| DIVIDENDDIV.JPY |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027e | 2028e | 2029e | 2030e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 110.28 | 106.28 | 102.17 | 107.66 | 105.94 | 113.73 | 116.62 | 114.59 | 119.03 | 147.35 | 168.00 | 207.30 | 257.20 | 303.40 | 360.00 | 158.60 |
| 5.45 | -3.63 | -3.86 | 5.37 | -1.59 | 7.35 | 2.54 | -1.75 | 3.87 | 23.79 | 14.02 | 23.39 | 24.07 | 17.96 | 18.66 | -55.94 |
| 100.77 | 103.02 | 99.28 | 99.82 | 95.20 | 92.10 | 92.75 | 95.85 | 98.28 | 96.29 | 96.01 | 88.56 | 88.56 | 88.56 | 88.56 | 88.56 |
| 111.13 | 109.49 | 101.44 | 107.46 | 100.86 | 104.74 | 108.17 | 109.84 | 116.98 | 141.88 | 161.29 | 183.58 | 227.77 | 268.69 | 318.81 | 140.45 |
| 17.05 | 15.86 | 16.11 | 18.31 | 17.67 | 18.26 | 16.47 | 22.23 | 25.06 | 29.80 | 39.27 | 54.01 | 23.33 | 26.82 | 33.45 | 27.97 |
| 13.21 | -6.99 | 1.62 | 13.65 | -3.52 | 3.34 | -9.82 | 35.01 | 12.69 | 18.94 | 31.77 | 37.53 | -56.81 | 14.98 | 24.70 | -16.39 |
| 15.00 | 15.00 | 9.00 | 15.00 | 16.67 | 16.67 | 17.50 | 26.67 | 35.00 | 48.33 | 70.17 | 119.17 | 143.00 | 171.60 | 205.92 | – |
| 12.53 | – | -40.00 | 66.67 | 11.13 | – | 4.98 | 52.40 | 31.23 | 38.09 | 45.19 | 69.83 | 20.00 | 20.00 | 20.00 | – |
| 673.61 | 673.61 | 667.86 | 667.86 | 664.81 | 665.03 | 665.31 | 73.99 | 666.77 | 667.74 | 669.29 | 223.10 | 223.10 | 223.10 | 223.10 | 223.10 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales 77 Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue 77 Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare 77 Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares 77 Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against 77 Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
77 Bank stock margins
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77 Bank Revenue per Share, Earnings per Share
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77 Bank business model & stock analysis
77 Bank SWOT Analysis
Strengths
77 Bank Ltd has a strong brand reputation in the banking industry and has been serving customers for many years.
The bank has a solid financial performance, with steady revenue growth and consistent profitability.
It has a wide network of branches and ATMs, providing convenient access to banking services for customers.
Weaknesses
One of the weaknesses of 77 Bank Ltd is its limited presence in the international market, which restricts its potential for expansion and growth.
The bank may face challenges in adapting to rapidly changing technology and digital banking trends.
It could also be vulnerable to economic downturns and fluctuations in interest rates.
Opportunities
There is an opportunity for 77 Bank Ltd to capitalize on the growing demand for sustainable banking products and services.
The bank can explore partnerships with fintech companies to enhance its digital banking capabilities and attract tech-savvy customers.
Expansion into emerging markets, where there is potential for economic growth, could provide new business opportunities.
Threats
Competition from other banks and financial institutions poses a threat to 77 Bank Ltd's market share.
Changing regulations and compliance requirements could increase operational costs and impact profitability.
The bank needs to be cautious of cybersecurity risks and ensure robust measures are in place to protect customer data.
77 Bank Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
77 Bank historical P/E ratio, EBIT multiple, and P/S ratio
77 Bank annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 77 Bank's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 77 Bank's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 77 Bank's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
77 Bank shares outstanding
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77 Bank stock splits
Since 2017, a total of 0.6 shares have been converted from one 77 Bank share.
77 Bank Dividend History
37 years of dividend payments · 5 consecutive increases
77 Bank dividend history and estimates
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77 Bank dividend payout ratio
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Current 77 Bank forecasts and price targets in September 2026
Analyst Price Targets 202677 Bank Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/6/2026 | 77.66JPY | - | 66.10 BJPY | - | 2026 Q3 |
| 7/31/2026 | 71.02JPY | 99.52JPY | 63.65 BJPY | - | 2026 Q2 |
| 5/13/2026 | 54.34JPY | 63.09JPY | 26.20 BJPY | - | 2026 Q1 |
| 1/30/2026 | 70.13JPY | 70.05JPY | 50.24 BJPY | - | 2025 Q4 |
| 11/14/2025 | 174.69JPY | 168.50JPY | 42.50 BJPY | - | 2025 Q3 |
| 7/26/2024 | -JPY | 152.71JPY | 24.80 BJPY | - | 2024 Q2 |
| 5/10/2024 | -JPY | 63.94JPY | 21.40 BJPY | - | 2024 Q1 |
| 1/26/2024 | -JPY | 99.52JPY | 21.40 BJPY | - | 2023 Q4 |
| 7/28/2023 | -JPY | 114.65JPY | 20.20 BJPY | - | 2023 Q2 |
| 5/12/2023 | -JPY | 63.04JPY | 20.20 BJPY | - | 2023 Q1 |
EESG©
Eulerpool ESG Scorecard© for the 77 Bank stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
77 Bank shareholder structure
| % | Name |
|---|---|
2.95064% | |
2.67969% | |
1.57002% | |
1.49726% | |
1.18585% | |
1.18028% |
77 Bank Beneficial Ownership Filings (SEC 13D/G)
77 Bank Executives and Management Board
29 members · avg. age 65 · 7 % women
Management
Mr. Hidefumi Kobayashi (66)
President, Representative Director · since 2010
Mr. Hiroshi Kobayashi (56)
Senior Managing Director, Representative Director · since 2021
Mr. Kazuhiro Aoki (54)
Managing Director, Director of Fund Securities · since 2022
Mr. Shuichi Ibuka (57)
Managing Director · since 2019
Mr. Takashi Kuroda (57)
Managing Director · since 2020
Mr. Yoshiyuki Odajima (54)
Managing Director · since 2022
Board of Directors
Mr. Teruhiko Ujiie (76)
Chairman of the Board, Representative Director · since 1993
Mr. Masanori Muranushi (59)
Director · since 2018
Mr. Shinya Endo (68)
Independent Director
Mr. Kazuo Fukuda (67)
Independent Director
Mr. Naoto Miura (70)
Independent Director
Ms. Emiko Okuyama (73)
Independent Director
Frequently asked questions about 77 Bank
The business model of 77 Bank Ltd focuses on providing various financial services to individuals, businesses, and institutions. As a leading financial institution in Japan, 77 Bank Ltd offers a wide range of banking products and services, including deposit accounts, loans, credit cards, investment and wealth management, insurance, and international banking services. With a customer-centric approach, the company aims to meet the diverse financial needs of its clients while maintaining strong corporate governance and risk management practices. 77 Bank Ltd's business model underscores its commitment to delivering reliable and innovative financial solutions to support the growth and prosperity of its customers and the regions it serves.
77 Bank Ltd is primarily active in the financial sector.
The main competitors of 77 Bank Ltd in the market include major banking institutions such as Mitsubishi UFJ Financial Group, Mizuho Financial Group, and Sumitomo Mitsui Financial Group. These banking giants pose significant competition to 77 Bank Ltd due to their extensive networks, diverse product offerings, and strong customer base. However, 77 Bank Ltd distinguishes itself through its localized approach, strong ties to the local community, and personalized customer service. Its commitment to innovation and customer satisfaction positions the company well in the competitive banking industry.
The Bank of Nagoya, now known as 77 Bank Ltd, was first established in 1879. It started as a regional bank in Nagoya, Japan, and has grown to become a leading financial institution in the country. Over the years, 77 Bank has solidified its position by offering a wide range of banking services, including personal banking, corporate banking, and investment services. Through strategic expansions and mergers, the bank has strengthened its presence and expanded its customer base. Today, 77 Bank Ltd continues to prioritize customer satisfaction and providing innovative financial solutions to meet the evolving needs of its clients.
77 Bank Ltd has achieved several significant milestones in its history. These include expanding its operations and services, establishing a strong presence in the region, and consistently delivering positive financial performance. The company has successfully maintained a strong customer base and developed strategic partnerships in various sectors. Additionally, 77 Bank Ltd has been recognized for its commitment to innovation and customer satisfaction, making it a leading financial institution in Japan. With its unwavering dedication to excellence, the company continues to thrive in the competitive banking industry.
77 Bank Ltd is primarily present in Japan.
77 Bank Ltd represents values of customer-centricity, trust, and innovation. With a strong corporate philosophy focused on contributing to the local community, 77 Bank Ltd strives to meet the financial needs and aspirations of its customers. The company emphasizes building long-term relationships based on trust and ethical practices. By leveraging advanced technologies and incorporating customer feedback, 77 Bank Ltd aims to provide innovative financial solutions that align with the evolving needs of its customers. With a commitment to excellence and a customer-driven approach, 77 Bank Ltd stands as a reliable and progressive financial institution in the market.
Analysts currently set an average price target of 8,483.00 JPY for the 77 Bank stock (median: 8,466.00 JPY), implying +109.2 % versus the latest price. The consensus is based on 7 analyst ratings.
7 analysts currently rate the 77 Bank stock: 6 recommend buying, 1 holding and 0 selling.
Converted at the current exchange rate, the 77 Bank share trades at 23.24 EUR (4,197.00 JPY).
The 77 Bank share (8341.T) is listed on 1 stock exchanges, including: Tokio (JPX) (8341.T).
The 77 Bank Ltd is a Japanese direct bank founded in 2018. Its business model is based on innovative products and services tailored to the needs of customers. The bank offers a wide range of financial products and services, including deposit and credit products, as well as investment and asset management services. An important part of the 77 Bank Ltd's business model is its online platform, which allows customers to manage their finances conveniently from home. The platform offers many features such as online account opening, transfers, securities trading, and deposit management. It is user-friendly and easy to use, making it the preferred choice for customers seeking a modern and flexible banking experience. Another important feature of the 77 Bank Ltd's business model is its focus on sustainability and environmental friendliness. The bank is committed to sustainable development and promotes the use of renewable energy sources by its customers. It also offers special credit products for environmentally friendly projects and supports initiatives to promote sustainable development. The bank also has a strong commitment to promoting the financial education of its customers. It offers comprehensive financial education programs that help customers gain a better understanding of finance and money management. These programs range from online tutorials to personal consultations with financial experts. In terms of its product range, the 77 Bank Ltd offers a wide range of deposit products including checking accounts, time deposits, and savings plans. It also offers various credit products including mortgage loans, consumer loans, and credit lines. In addition, the bank offers investment and asset management services, including stocks, bonds, investment funds, and other financial instruments. In 2020, it also launched its own credit card. The 77 Bank Ltd also has a special division for business customers, offering a wide range of financial products and services tailored to the specific needs of companies. This includes deposit and credit products, insurance, payment services, and asset management. Overall, the business model of the 77 Bank Ltd is designed to provide customers with a modern and tailored banking experience. The bank is committed to sustainable development and financial education, and offers a wide range of products and services to meet the needs of its customers.
The revenue of 77 Bank is 207.30 B JPY. This figure is based on current financial data and reflects the company's business performance.
The profit of 77 Bank is 54.01 B JPY. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of 77 Bank is currently 17.34. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the 77 Bank stock.
The price-to-sales ratio (P/S) of 77 Bank is currently 4.52. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the 77 Bank stock.
The Eulerpool Quality Score for 77 Bank is 8/10.
The ISIN of 77 Bank is JP3352000008. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The ticker of 77 Bank is 8341.T. The ticker symbol is used to trade 77 Bank shares on the stock exchange.
Over the past 12 months, 77 Bank paid a dividend of 119.17 JPY . This corresponds to a dividend yield of about 2.84 %. For the coming 12 months, 77 Bank is expected to pay a dividend of 143.00 JPY.
The current dividend yield of 77 Bank is 2.84 %.
77 Bank pays a dividend, distributed in the months of September, March.
77 Bank paid dividends every year for the past 36 years.
For the upcoming 12 months, dividends amounting to 143.00 JPY are expected. This corresponds to a dividend yield of 3.53 %.
77 Bank is assigned to the 'Finance' sector.
To receive the latest dividend of 77 Bank from 6/1/2026 amounting to 49 JPY, you needed to have the stock in your portfolio before the ex-date on 3/30/2026.
The last dividend was paid out on 6/1/2026.
In the year 2025, 77 Bank distributed 70.17 JPY as dividends.
The dividends of 77 Bank are distributed in JPY.
77 Bank stock
77 Bank Peer Group
77 Bank Ticker
77 Bank FIGI
All fundamentals and in-depth analysis of 77 Bank
Our stock analysis for 77 Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of 77 Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.