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Yamanashi Chuo Bank, Ltd. (JP:8360)
:8360
Japanese Market
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Yamanashi Chuo Bank, Ltd. (8360) AI Stock Analysis

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JP:8360

Yamanashi Chuo Bank, Ltd.

(8360)

Rating:73Outperform
Price Target:
¥3,451.00
▲(11.50% Upside)
Yamanashi Chuo Bank's stock is supported by strong technical indicators and a reasonable valuation, making it attractive for investors. However, financial performance is moderated by high leverage and cash flow challenges, which are potential risks that need addressing.

Yamanashi Chuo Bank, Ltd. (8360) vs. iShares MSCI Japan ETF (EWJ)

Yamanashi Chuo Bank, Ltd. Business Overview & Revenue Model

Company DescriptionYamanashi Chuo Bank, Ltd. (8360) is a regional bank based in Japan, primarily serving the Yamanashi Prefecture and surrounding areas. The bank offers a comprehensive range of financial services, including retail banking, corporate banking, asset management, and various financial products tailored to meet the needs of individual and business customers. Its core services encompass deposit accounts, loans, credit cards, and investment products, aiming to support the local economy and facilitate the growth of small and medium-sized enterprises.
How the Company Makes MoneyYamanashi Chuo Bank generates revenue primarily through interest income from loans and advances made to individuals and businesses, which form a significant portion of its earnings. The bank also earns income from fees and commissions related to various banking services, such as account maintenance, transaction processing, and asset management services. Additionally, investment income from securities and other financial instruments contributes to its overall revenue. Strategic partnerships with local businesses and government agencies further enhance its service offerings and client base, allowing the bank to leverage local economic activities for sustained profit generation.

Yamanashi Chuo Bank, Ltd. Financial Statement Overview

Summary
Yamanashi Chuo Bank shows solid revenue growth and profitability with a strong net profit margin. However, high leverage and moderate cash flow ratios indicate potential risks. The bank should focus on improving operational efficiency and cash flow generation to enhance financial stability.
Income Statement
75
Positive
Yamanashi Chuo Bank has demonstrated consistent revenue growth with a 1.66% increase in the latest year, following a decline in previous years. The net profit margin improved to 14.08%, indicating strong profitability. However, the EBIT margin is relatively low at 10.39%, suggesting room for operational efficiency improvements.
Balance Sheet
65
Positive
The bank's debt-to-equity ratio is high at 3.01, indicating significant leverage, which could pose risks in volatile markets. Return on equity is modest at 3.60%, reflecting moderate profitability relative to equity. The equity ratio is stable, suggesting a balanced asset structure.
Cash Flow
60
Neutral
The bank's free cash flow has shown significant improvement, but the operating cash flow to net income ratio is low at 0.21, indicating potential challenges in cash generation relative to earnings. The free cash flow to net income ratio is strong at 0.96, showing effective cash conversion.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue56.16B57.65B55.06B58.15B43.93B47.18B
Gross Profit56.16B56.16B55.06B56.68B43.56B46.80B
EBITDA4.39B5.66B9.55B9.53B7.92B7.65B
Net Income7.67B7.67B5.66B5.06B4.24B3.09B
Balance Sheet
Total Assets4.53T4.53T4.37T4.38T4.47T4.19T
Cash, Cash Equivalents and Short-Term Investments554.86B554.86B695.77B896.64B895.50B740.60B
Total Debt639.48B639.48B449.20B593.86B700.05B473.05B
Total Liabilities4.31T4.31T4.15T4.19T4.26T3.96T
Stockholders Equity212.78B212.78B217.40B190.88B208.46B218.68B
Cash Flow
Free Cash Flow0.0031.41B-292.66B-296.08B266.32B444.36B
Operating Cash Flow0.0032.57B-290.77B-293.88B267.98B446.42B
Investing Cash Flow0.00-124.53B92.62B297.56B-112.07B-62.01B
Financing Cash Flow0.00-15.09B-2.80B-2.63B-1.12B-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3095.00
Price Trends
50DMA
2787.10
Positive
100DMA
2498.47
Positive
200DMA
2229.98
Positive
Market Momentum
MACD
95.36
Positive
RSI
65.22
Neutral
STOCH
45.67
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 3095 is above the 20-day moving average (MA) of 3007.05, above the 50-day MA of 2787.10, and above the 200-day MA of 2229.98, indicating a bullish trend. The MACD of 95.36 indicates Positive momentum. The RSI at 65.22 is Neutral, neither overbought nor oversold. The STOCH value of 45.67 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
¥82.91B8.05
2.61%25.33%5.53%
77
Outperform
¥93.80B10.59
2.77%15.39%24.95%
75
Outperform
¥100.32B11.72
2.26%25.01%51.67%
74
Outperform
¥79.29B9.01
2.69%8.97%36.69%
73
Outperform
¥98.97B12.14
2.46%8.18%25.89%
68
Neutral
$17.93B11.8610.28%3.71%9.75%1.60%
67
Neutral
¥89.75B10.63
0.66%6.57%13.25%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8360
Yamanashi Chuo Bank, Ltd.
3,095.00
1,423.22
85.13%
JP:7184
First Bank of Toyama Ltd.
1,303.00
122.40
10.37%
JP:7322
San ju San Financial Group, Inc.
3,605.00
1,859.21
106.50%
JP:7350
Okinawa Financial Group, Inc.
3,715.00
1,346.96
56.88%
JP:8337
Chiba Kogyo Bank, Ltd.
1,515.00
486.97
47.37%
JP:8346
Toho Bank, Ltd.
398.00
132.97
50.17%

Yamanashi Chuo Bank, Ltd. Corporate Events

Yamanashi Chuo Bank Joins Mt. Fuji ・Alps Alliance for Regional Growth
Mar 27, 2025

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.

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