Hyakujushi Bank (TSE:8386) Moat Score: 0/10 (As of Jul. 13, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:8386 Hyakujushi Bank Ltd TSE:8386
49 GF Score
Price 円2,647.00
GF Value 円1,110.09
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Hyakujushi Bank Moat Score?

Hyakujushi Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Hyakujushi Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hyakujushi Bank might have No Moat - No discernible moat.

Hyakujushi Bank  (TSE:8386) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hyakujushi Bank Moat Score Related Terms

TSE:8386
49GF Score
Hyakujushi Bank Ltd TSE:8386
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Hyakujushi Bank (TSE:8386) Overvalued in 2026?

Based on GuruFocus' analysis, Hyakujushi Bank stock appears to be overvalued. The current stock price of 円2,647.00 is trading 138.4% above its estimated GF Value™ of 円1,110.09. GuruFocus considers Hyakujushi Bank to be Significantly Overvalued.

Key valuation signals for TSE:8386:

  • Moat Score: 0
  • GF Value™: 円1,110.09 vs. price of 円2,647.00 (138.4% above fair value)
  • GF Score™: 49/100 with 5 warning signs

No single metric tells the full story. See the TSE:8386 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hyakujushi Bank Business Description

Address 5-1, Kamei-cho, Kagawa, Takamatsu, JPN, 760-8574
Hyakujushi Bank Ltd is a regional banking enterprise operating mainly in Kagawa prefecture, Japan but with a network of branches across the Setouchi region. The organises itself into two segments: banking segment and lease segment. The bank derives the majority of its revenue from banking, with only a small amount coming from lease and other operations. Although the bank is headquartered in Japan, it also operates internationally and earns a portion of revenues from international operations. Services the bank provides include deposits, loans, securities, foreign currency, and leasing operations.
49GF Score

Get the complete analysis for TSE:8386

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円2,647.00
Price
円1,110.09
GF Value