Manageable Leverage / Stable Balance SheetA debt-to-equity of 1.07 and a stable equity base provide a durable funding and regulatory buffer. Manageable leverage preserves lending capacity, supports deposit and capital requirements, and helps the bank absorb local shocks while pursuing medium-term loan growth and community lending.

Improved Cash GenerationFree cash flow turning positive and an operating cash flow to net income ratio of 5.22 show strong cash conversion. Reliable cash generation supports loan originations, provisioning and modest distributions while reducing dependence on external funding over the next several quarters.

Diversified Regional Banking FranchiseA comprehensive product mix—retail and corporate loans, deposits, fees, FX and local partnerships—creates diversified, stable revenue streams. Deep regional customer relationships and cross-selling potential underpin durable deposit funding and recurring fee income in the local economy.

Bears Say

Declining Revenue And Weakening MarginsA -1.23% revenue decline with compressed EBIT and net margins (3.85%) signals weakening top-line momentum and operating efficiency. Persistent margin pressure limits internal capital formation, reduces buffer for credit losses, and can impair sustainable lending and investment over months ahead.

Low Profitability / Muted ROEROE of 1.70% indicates low returns on shareholders' capital. Such muted profitability constrains retained earnings growth, limits capital accumulation for organic expansion, and reduces capacity to fund strategic initiatives compared with higher-return regional peers.

Earnings/cash-flow Volatility And Rising LeverageDespite recent FCF improvement, historical cash-flow volatility combined with an increase in leverage raises execution and funding risk. Uneven cash generation plus higher debt levels can strain liquidity and capital buffers during adverse local economic conditions or credit stress.

8416 FAQ

What was Bank of Kochi, Ltd.’s price range in the past 12 months?

Bank of Kochi, Ltd. lowest stock price was ¥646.00 and its highest was ¥1483.00 in the past 12 months.

What is Bank of Kochi, Ltd.’s market cap?

Bank of Kochi, Ltd.’s market cap is ¥13.12B.

When is Bank of Kochi, Ltd.’s upcoming earnings report date?

Bank of Kochi, Ltd.’s upcoming earnings report date is May 08, 2026 which is in 78 days.

How were Bank of Kochi, Ltd.’s earnings last quarter?

Bank of Kochi, Ltd. released its earnings results on Feb 09, 2026. The company reported ¥28 earnings per share for the quarter, beating the consensus estimate of N/A by ¥28.

Is Bank of Kochi, Ltd. overvalued?

According to Wall Street analysts Bank of Kochi, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Bank of Kochi, Ltd. pay dividends?

Bank of Kochi, Ltd. pays a Semiannually dividend of ¥15 which represents an annual dividend yield of 2.74%. See more information on Bank of Kochi, Ltd. dividends here

What is Bank of Kochi, Ltd.’s EPS estimate?

Bank of Kochi, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Bank of Kochi, Ltd. have?

Bank of Kochi, Ltd. has 10,244,800 shares outstanding.

What happened to Bank of Kochi, Ltd.’s price movement after its last earnings report?

Bank of Kochi, Ltd. reported an EPS of ¥28 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -10.838%.

Which hedge fund is a major shareholder of Bank of Kochi, Ltd.?

Currently, no hedge funds are holding shares in JP:8416

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Bank of Kochi, Ltd.

The Bank Of Kochi, Ltd. provides various banking products and services in Japan. The company offers savings and term deposits; mortgage, education, and car loans; insurance products and services; investment trust services; and cards. It operates 72 branches. The company was founded in 1930 and is headquartered in Kochi, Japan.