Yamanashi Chuo Bank, Ltd. (8360) AI Stock Analysis

• Market Cap: ¥80.29B
• Dividend Yield: 3.5%
• Average Volume (3M): 160.63K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 1.16
• Revenue Growth: -6.07%
• EPS Growth: 21.28%
• Country: JP
• Employees: 1,594
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 81.87
• Shares Outstanding: 32,783,000
• 10 Day Avg. Volume: 114,000
• 30 Day Avg. Volume: 160,626
• PEG Ratio: 0.32
• Price to Book (P/B): 0.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.12
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Yamanashi Chuo Bank, Ltd. shows strong profitability and an attractive valuation, which are notable strengths. However, liquidity concerns and high leverage, combined with mixed technical indicators, pose risks. With no recent earnings call or corporate events to consider, the stock presents a cautiously optimistic outlook based on its financial performance and valuation.

Yamanashi Chuo Bank, Ltd. Business Overview & Revenue Model

Company Description

Yamanashi Chuo Bank, Ltd. (8360) is a financial institution headquartered in Kofu, Yamanashi Prefecture, Japan. The bank primarily operates in the banking sector, offering a range of financial products and services, including retail banking, corporate banking, and investment services. It provides deposit products, loan products, and various financial solutions to individuals, small and medium-sized enterprises (SMEs), and larger corporations. Additionally, the bank engages in securities trading, leasing, and other related financial activities.

How the Company Makes Money

Yamanashi Chuo Bank, Ltd. generates revenue through multiple streams. One of the primary sources of income is the interest earned from loans provided to individuals, SMEs, and corporations, which include personal loans, mortgages, and business loans. The bank also earns income from fees and commissions charged on various financial services, such as investment advisory services, foreign exchange transactions, and the issuance of credit and debit cards. Additionally, the bank invests in securities and earns interest and dividends from these investments. The bank may also engage in partnerships with other financial institutions to enhance its product offerings and expand its customer base, contributing to its overall earnings.

Yamanashi Chuo Bank, Ltd. Financial Statement Overview

Summary

Yamanashi Chuo Bank, Ltd. demonstrates strong gross and net profit margins, indicating solid profitability. However, the company's cash flow constraints and high leverage pose potential risks. While stable revenue growth is positive, improving cash flows and strengthening the equity base could enhance financial stability.

Income Statement

The income statement shows a strong gross profit margin of approximately 95.9% for TTM, reflecting efficient cost management. The net profit margin for TTM stands at 10.9%, indicating solid profitability. Revenue growth from the previous annual period is moderate at 3%, suggesting stable growth. EBIT and EBITDA margins at 39.5% and 3.4% respectively, show strong operating performance, although EBITDA margin is relatively low.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 2.95, indicating a reasonable level of leverage. The return on equity (ROE) is approximately 2.9% for TTM, which is modest. The equity ratio is 4.7%, which is low, suggesting potential vulnerability in financial structure due to high liabilities.

Cash Flow

Cash flow analysis shows challenges with operating and free cash flow both at zero for TTM, indicating potential liquidity concerns. The free cash flow to net income ratio is zero, suggesting that the company is not generating free cash flow relative to its net income, which could impact future financial flexibility.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
56.71B	54.48B	53.37B	56.68B	43.93B	46.80B
	Gross Profit
54.41B	0.00	53.37B	56.68B	43.56B	46.80B
	EBIT
22.39B	5.66B	7.57B	7.73B	6.43B	6.17B
	EBITDA
3.74B	5.66B	7.47B	0.00	7.92B	0.00
	Net Income Common Stockholders
6.17B	7.67B	5.66B	5.06B	4.24B	3.09B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
689.06B	0.00	695.77B	896.64B	895.50B	740.60B
	Total Assets
4.56T	4.53T	4.37T	4.38T	4.47T	4.19T
	Total Debt
629.66B	639.48B	449.20B	458.68B	629.08B	460.83B
	Net Debt
-59.40B	639.48B	-261.08B	-437.96B	-266.42B	-279.77B
	Total Liabilities
4.35T	4.31T	4.15T	4.19T	4.26T	3.96T
	Stockholders Equity
213.26B	212.78B	217.40B	190.88B	208.46B	218.68B
Cash Flow		Free Cash Flow
0.00	31.41B	-292.66B	-296.08B	266.32B	444.36B
	Operating Cash Flow
0.00	32.57B	-290.77B	-293.88B	267.98B	446.42B
	Investing Cash Flow
0.00	-345.40B	92.62B	297.56B	-112.07B	-62.01B
	Financing Cash Flow
0.00	175.19B	-2.80B	-2.63B	-1.12B	-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2547.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8360, the sentiment is Positive. The current price of 2547 is above the 20-day moving average (MA) of 2502.25, above the 50-day MA of 2175.92, and above the 200-day MA of 1931.77, indicating a bullish trend. The MACD of 91.33 indicates Positive momentum. The RSI at 64.43 is Neutral, neither overbought nor oversold. The STOCH value of 36.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8360.

Yamanashi Chuo Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$918.96B	12.34	6.30%	3.42%	9.28%	20.48%
8354	70 Outperform	$755.08B	10.31	7.30%	0.02%	15.35%	-1.62%
8336	70 Neutral	¥106.73B	8.07		3.72%	-1.59%	20.55%
8334	69 Neutral	$456.02B	10.22	7.63%	4.28%	-4.47%	30.59%
8360	66 Neutral	¥80.29B	10.13		3.50%	-6.07%	21.28%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%

Yamanashi Chuo Bank, Ltd. Corporate Events

Yamanashi Chuo Bank Joins Mt. Fuji ･Alps Alliance for Regional Growth

Yamanashi Chuo Bank, Shizuoka Bank, and Hachijuni Bank have formed a comprehensive business alliance named the Mt. Fuji ･Alps Alliance, expanding the existing Shizuoka Yamanashi Alliance. This collaboration aims to leverage mutual strengths to address social challenges, enhance regional growth, and increase revenue opportunities, while maintaining the management independence of each bank.