When will the Hachijuni Nagano Bank merger take effect?

The legal combination is set for January 1, 2026, following Japan FSA approval. Between now and the effective date, both banks will finalize systems, branding, and branch alignment. Investors should watch management disclosures in FY2025–FY2026 for integration milestones, quantified cost savings, and any changes to dividend policy or capital plans.

What exactly is the weekend ATM fee campaign?

The new bank plans to waive ATM withdrawal fees on weekends and public holidays for one year after launch. The goal is to boost account openings, salary transfers, and day‑to‑day usage. Customers should check eligible machines, card types, and timelines to maximize savings while the promotion is active.

How could the merger impact 8359.T shareholders?

We see potential for scale benefits, better efficiency, and stronger deposit growth, offset by temporary integration costs and lower near‑term fee income due to the ATM campaign. If synergies land on time, returns on equity can improve. Progress will depend on technology migration, branch optimization, and customer retention metrics.

Is the stock overvalued after recent gains?

Based on current metrics, the shares trade at a P/E of 13.39 and a P/B of 0.74 with a 2.92% dividend yield. Those levels do not look stretched versus book value. Technicals are neutral near term, so entries may benefit from pullbacks toward support levels rather than chasing strength.

What are the next key dates for investors?

Watch for campaign launch details in early 2026 and the next earnings announcement on February 6, 2026. We also expect periodic integration updates on system migration, branch footprint, and synergy tracking. Any guidance on deposits, fee income, and cost savings will be especially important in FY2025–FY2026.

Global Market Insights

8359.T Stock Today: December 30 – FSA-cleared Nagano merger, ATM fee cuts

ByHuzaifa Zahoor December 30, 2025December 30, 2025

The Hachijuni Nagano Bank merger is now FSA‑cleared, setting an effective date of January 1, 2026, and a one‑year weekend ATM fee waiver to spur deposits. Investors in 8359.T are weighing scale benefits against near‑term fee income pressure. Today’s price is ¥1,699.5, up 0.89%, near the 52‑week high. We break down what the approval means for Nagano’s only regional bank, how the ATM fee campaign could shift deposits, and what the latest trading and valuation say for the stock.