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MEMEBUF

Mebuki Financial Group, Inc.

$MEBUF·$7.9B·Banks - Regional·Financial Services
$8.410.0%1Y+308.3%
Mentions · last 7 days
2026-08-05: 0 posts2026-08-06: 0 posts2026-08-07: 0 posts2026-08-08: 0 posts2026-08-09: 0 posts2026-08-10: 0 posts2026-08-11: 0 posts0
Price updated 14h ago·X counts updated 12h ago
MEMEBUF
$MEBUFMebuki Financial Group, Inc.
$8.410.00%0 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $MEBUF, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-11

The move is getting stronger, with heavier trading behind it.

Mebuki Financial regional Japanese bank up 308% t12m — Q1 revenue +45%, BoJ rate boost.

Mebuki Financial Group is a Japanese regional bank holding company (formed from the merger of Ashikaga Bank + Joyo Bank) — serving customers in the Ibaraki/Tochigi region north of Tokyo with lending, deposits, and financial services.

  • Q1 fiscal 2027 revenue was ¥125.6B (~$840M), +44.7% YoY (huge growth) and +25% sequentially — meaningful acceleration; gross margin 81%, operating margin 39%, ROIC 0.4% (bank math), ROE 8%, D/E 1.49 (moderate).
  • Q1 print (Aug 5) beat by 29.8%, extending a cadence of +30%, +13%, +22%, N/A — consistent beats indicating operational execution ahead of consensus.
  • Structural: +308% t12m (extraordinary!), sitting at 0.91 of the 52-week range (essentially at highs), essentially at the 50-day MA and +13% above the 200-day MA — real trend confirmation.
  • Fundamentals: PE 17.7 (reasonable), PS 3.78, FCF yield 0 (bank-liquidity math).
  • Analyst outlook: FY2026 EPS ¥87 (~$0.58 per ADR), FY2027 ¥117 (+35%) — meaningful earnings growth expected.
  • Beta 0.14 — extremely low-vol.

Japanese regional bank riding the rate-normalization cycle with real Q1 acceleration — the setup benefits from continued BoJ hiking + net interest margin expansion; the tape is one of the strongest performers in Japanese banking.

What to watch: Nov 6 Q2 fiscal print — net interest margin trajectory and any regional loan growth commentary.

On the calendar: Q2 fiscal earnings 2026-11-06

Read the AI verdict + X sentiment for $MEBUF

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  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
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What it does

Plain-English summary of the business — what they sell and how they make money.

Operating out of Japan, Mebuki Financial Group Inc delivers a comprehensive suite of banking and financial services across the nation, which includes credit card offerings. Their core business encompasses diverse lending activities like loans and discounted bills, managing customer deposits, and handling other assets. The group is also active in short-term financial markets through call money transactions and strategically invests in various securities, with a primary focus on bonds and other money market instruments. Furthermore, they facilitate foreign currency exchange and international money transfers for their clients.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $MEBUF.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+29.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
17.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
30.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
8.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
78.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.23$0.17+29.8%
Q1 2026May 13, 2026$0.13$0.12+12.6%
Q4 2025Feb 6, 2026$0.14$0.12+21.8%
Q3 2025Nov 10, 2025$0.15——
Next earningsFri, Nov 6·consensus EPS $0.18

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY27$125.6B+44.7%80.6%39.3%$37.13—
Q4 FY26$100.5B+9.9%77.3%26.0%$20.77—
Q3 FY26$103.2B+23.6%79.3%27.3%$22.71—
Q2 FY26$104.5B+49.0%79.7%20.8%$23.44—

Forward consensus

5-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$220.7B$212.9B – $228.5B$86.98$81.36 – $92.592
FY27$267.3B$254.0B – $280.5B$117.35$109.78 – $124.921
FY28$303.3B$275.4B – $331.3B$137.83$128.93 – $146.732
FY29$402.1B$382.1B – $422.0B$141.66$132.52 – $150.801
FY30$258.5B$245.7B – $271.4B$120.05$112.30 – $127.801

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.—Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.91%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+12.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 297.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.145-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.

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Voices on X · last 7 days

No standout posts about $MEBUF on X in the last 7 days.

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