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

• Market Cap: ¥84.10B
• Dividend Yield: 3.35%
• Average Volume (3M): 104.41K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 1.18
• Revenue Growth: -6.07%
• EPS Growth: 21.28%
• Country: JP
• Employees: 1,594
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 81.87
• Shares Outstanding: 32,783,000
• 10 Day Avg. Volume: 102,890
• 30 Day Avg. Volume: 104,410
• 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

The Yamanashi Chuo Bank, Ltd., together with its subsidiaries, provides financial services to individual and corporate customers in Yamanashi Prefecture and western Tokyo, Japan. It accepts deposits; and provides loans. The company also offers insurance products, loan guarantees, investment trust and leasing services, credit cards, call loans and call money, and consulting and economic research services, as well as corporate bond underwriting services. In addition, it is involved in the asset management activities; securities trading business; provision of foreign exchange operations; short-term fundraising; and provision of over-the-counter sale of public bonds, such as Japanese government bonds. The company operates through a network of 90 branches, including 1 Internet branch and 2 district offices; and 1 representative office in Hong Kong. The Yamanashi Chuo Bank, Ltd. was founded in 1941 and is headquartered in Kofu, Japan.

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
EBITDA	3.74B	5.66B	7.47B	0.00	7.92B	0.00
Net Income	6.17B	7.67B	5.66B	5.06B	4.24B	3.09B
Balance Sheet
Total Assets	4.56T	4.53T	4.37T	4.38T	4.47T	4.19T
Cash, Cash Equivalents and Short-Term Investments	689.06B	0.00	695.77B	896.64B	895.50B	740.60B
Total Debt	629.66B	639.48B	449.20B	458.68B	629.08B	460.83B
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: 2630.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 2630 is above the 20-day moving average (MA) of 2534.00, above the 50-day MA of 2416.74, and above the 200-day MA of 2004.35, indicating a bullish trend. The MACD of 46.61 indicates Negative momentum. The RSI at 64.51 is Neutral, neither overbought nor oversold. The STOCH value of 93.13 is Negative, 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
7350	78 Outperform	¥69.99B	8.34		3.82%	4.92%	28.04%
8346	78 Outperform	¥83.43B	11.12		3.02%	15.19%	7.23%
7184	75 Outperform	¥63.82B	4.80		3.79%	21.73%	151.58%
7322	72 Outperform	¥78.84B	9.11		4.16%	10.31%	19.79%
8360	66 Neutral	¥84.10B	10.46		3.35%	-6.07%	21.28%
8337	59 Neutral	¥88.69B	12.85		0.67%	5.76%	8.33%
Sector *	58 Neutral	HK$90.78B	5.10	-3.21%	5.32%	7.36%	-55.21%

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.