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Yamagata Bank, Ltd. (JP:8344)
:8344
Japanese Market
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Yamagata Bank, Ltd. (8344) AI Stock Analysis

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JP:8344

Yamagata Bank, Ltd.

(8344)

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Outperform 72 (OpenAI - 4o)
Rating:72Outperform
Price Target:
¥1,790.00
▲(9.88% Upside)
Yamagata Bank's strong financial performance, particularly in revenue growth and improved leverage, is a key strength. The technical indicators support a positive trend, while the valuation is attractive with a reasonable P/E ratio and solid dividend yield. However, challenges in operational efficiency and cash flow management slightly temper the overall outlook.

Yamagata Bank, Ltd. (8344) vs. iShares MSCI Japan ETF (EWJ)

Yamagata Bank, Ltd. Business Overview & Revenue Model

Company DescriptionThe Yamagata Bank, Ltd. provides various banking products and services in Japan. The company operates through Banking, Leasing, and Credit Guarantee Business segments. It is involved in deposit-taking and lending activities; and investment in securities. The company also offers exchange and leasing services. As of March 31, 2021, it operated 81 branches; and 299 ATMs. The Yamagata Bank, Ltd. was founded in 1896 and is headquartered in Yamagata, Japan.
How the Company Makes MoneyYamagata Bank generates revenue primarily through interest income from loans extended to individuals and businesses, which constitutes a significant portion of its earnings. Additionally, the bank earns income from fees associated with account maintenance, transaction services, and various banking products. Investment income from securities and financial instruments also contributes to its revenue. The bank may engage in partnerships with local businesses and government entities to promote financial services, thereby enhancing its customer base and revenue streams. Furthermore, the bank's commitment to community development often leads to increased customer loyalty and deposits, which are crucial for maintaining its lending operations.

Yamagata Bank, Ltd. Financial Statement Overview

Summary
Yamagata Bank shows strong revenue growth and improved net profit margin, but faces challenges in operational efficiency and cash flow management. The improved debt-to-equity ratio and return on equity are positive, but the low equity ratio and cash flow issues are concerns.
Income Statement
75
Positive
Yamagata Bank has demonstrated strong revenue growth with a 12.26% increase in the latest year, indicating a positive trajectory. The net profit margin improved significantly to 9.59%, showcasing enhanced profitability. However, the EBIT and EBITDA margins have declined, suggesting potential challenges in operational efficiency.
Balance Sheet
68
Positive
The bank's debt-to-equity ratio has improved to 0.88, reflecting better leverage management compared to previous years. Return on equity has also increased to 3.25%, indicating improved shareholder returns. However, the equity ratio remains relatively low, suggesting a higher reliance on debt financing.
Cash Flow
60
Neutral
Yamagata Bank's free cash flow has shown significant growth, but the operating cash flow to net income ratio is low, indicating potential cash flow management issues. The free cash flow to net income ratio is healthy at 0.72, suggesting good cash generation relative to profits.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue47.83B50.44B48.99B48.60B40.63B38.64B
Gross Profit47.83B47.24B47.20B45.57B40.63B37.29B
EBITDA1.29B1.18B5.35B6.88B7.23B5.95B
Net Income4.43B4.41B2.08B3.44B3.40B2.85B
Balance Sheet
Total Assets3.23T3.16T3.15T3.14T3.54T3.13T
Cash, Cash Equivalents and Short-Term Investments0.00206.59B197.12B249.80B646.47B394.59B
Total Debt117.20B119.01B134.47B153.73B505.94B260.06B
Total Liabilities3.08T3.03T3.00T3.01T3.38T2.97T
Stockholders Equity143.60B135.82B143.63B133.55B155.46B161.65B
Cash Flow
Free Cash Flow0.007.40B-147.49B-471.44B445.89B438.09B
Operating Cash Flow0.0010.25B-145.35B-469.31B450.23B440.20B
Investing Cash Flow0.0056.97B94.19B75.43B-194.68B-132.94B
Financing Cash Flow0.0040.08B12.22B-1.21B-1.54B-981.00M

Yamagata Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1629.00
Price Trends
50DMA
1596.63
Positive
100DMA
1539.05
Positive
200DMA
1381.52
Positive
Market Momentum
MACD
1.92
Positive
RSI
52.85
Neutral
STOCH
47.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8344, the sentiment is Positive. The current price of 1629 is above the 20-day moving average (MA) of 1626.95, above the 50-day MA of 1596.63, and above the 200-day MA of 1381.52, indicating a bullish trend. The MACD of 1.92 indicates Positive momentum. The RSI at 52.85 is Neutral, neither overbought nor oversold. The STOCH value of 47.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8344.

Yamagata Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
¥58.82B8.183.58%7.21%-3.97%
73
Outperform
¥47.89B8.002.80%10.04%-16.66%
73
Outperform
¥61.21B9.212.77%6.16%-3.02%
72
Outperform
¥48.67B11.363.41%-12.00%28.81%
70
Outperform
¥45.17B7.782.94%-3.02%7.28%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
47
Neutral
¥52.12B7.441.46%3.90%-935.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8344
Yamagata Bank, Ltd.
1,629.00
678.01
71.30%
JP:8362
Fukui Bank, Ltd.
2,103.00
320.62
17.99%
JP:8387
Shikoku Bank Ltd.
1,431.00
517.54
56.66%
JP:8399
Bank Of The Ryukyus,Limited
1,443.00
469.03
48.16%
JP:8541
Ehime Bank, Ltd.
1,196.00
179.59
17.67%
JP:8550
Tochigi Bank, Ltd.
499.00
240.41
92.97%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 29, 2025