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

• Market Cap: ¥106.80B
• Dividend Yield: 2.63%
• Average Volume (3M): 78.40K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 1.18
• Revenue Growth: 17.66%
• EPS Growth: 49.06%
• Country: JP
• Employees: 1,594
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 38.14
• Shares Outstanding: 32,783,000
• 10 Day Avg. Volume: 86,400
• 30 Day Avg. Volume: 78,403
• PEG Ratio: 0.24
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 1.18
• P/FCF Ratio: 2.09
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥4,196.00 ▲(7.04% Upside)

Yamanashi Chuo Bank's stock is supported by strong technical momentum and reasonable valuation, contributing to a positive outlook. However, financial performance is tempered by high leverage and moderate cash flow ratios, suggesting a need for operational improvements.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market position and effective business strategies, supporting long-term financial stability.

Profitability

A strong net profit margin reflects efficient cost management and pricing power, enhancing the bank's ability to generate sustainable profits.

Cash Flow Conversion

Effective cash conversion supports liquidity and financial flexibility, enabling the bank to reinvest in growth opportunities and manage obligations.

Negative Factors

High Leverage

Significant leverage increases financial risk, especially in volatile markets, potentially impacting the bank's long-term financial health.

Operational Efficiency

Low operational efficiency suggests room for improvement in cost management, which could enhance profitability and competitiveness over time.

Cash Flow Challenges

Weak cash flow generation relative to earnings may limit the bank's ability to fund operations and growth initiatives without external financing.

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 generates revenue primarily through net interest income from loans and deposits. The bank earns interest by lending to customers at higher rates than what it pays on deposits. Additionally, the bank provides various financial services and products, including personal and business loans, which also contribute to its income. Service fees from wealth management, investment products, and insurance services further enhance its revenue. The bank may also engage in investment activities and securities trading, providing additional income streams. Strategic partnerships with local businesses and government entities help the bank expand its customer base and foster community relationships, which can lead to increased deposits and loan demand.

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. Improvement in operational efficiency and cash flow generation is needed.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	58.14B	57.65B	53.81B	58.15B	43.93B	47.18B
Gross Profit	58.14B	54.71B	53.37B	56.68B	43.56B	46.80B
EBITDA	7.91B	12.75B	9.55B	9.53B	7.92B	7.65B
Net Income	7.79B	7.67B	5.66B	5.06B	4.24B	3.09B
Balance Sheet
Total Assets	4.78T	4.53T	4.37T	4.38T	4.47T	4.19T
Cash, Cash Equivalents and Short-Term Investments	0.00	554.86B	695.77B	896.64B	895.50B	740.60B
Total Debt	680.51B	639.48B	449.20B	593.86B	700.05B	473.05B
Total Liabilities	4.55T	4.31T	4.15T	4.19T	4.26T	3.96T
Stockholders Equity	222.15B	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	-124.53B	92.62B	297.56B	-112.07B	-62.01B
Financing Cash Flow	0.00	-15.09B	-62.50B	-2.63B	-1.12B	-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3920.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 3920 is above the 20-day moving average (MA) of 3580.50, above the 50-day MA of 3361.99, and above the 200-day MA of 2655.14, indicating a bullish trend. The MACD of 168.56 indicates Negative momentum. The RSI at 72.03 is Negative, neither overbought nor oversold. The STOCH value of 90.12 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	82 Outperform	¥95.41B	10.20	―	2.83%	15.37%	35.08%
7184	76 Outperform	¥91.63B	8.90	―	2.73%	23.55%	-21.15%
7322	75 Outperform	¥96.41B	10.88	―	3.12%	14.85%	21.17%
8360	72 Outperform	¥106.80B	13.10	―	2.63%	17.66%	49.06%
8346	72 Outperform	¥126.53B	13.71	―	2.32%	29.06%	40.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	66 Neutral	¥96.15B	11.23	―	0.62%	15.03%	16.66%

Yamanashi Chuo Bank, Ltd. Corporate Events

Yamanashi Chuo Bank Launches Shareholder Benefit Program

Yamanashi Chuo Bank has introduced a new shareholder benefit program to appreciate its shareholders and increase the attractiveness of its shares. The program includes benefits such as QUO cards and catalog gifts featuring specialties from Yamanashi Prefecture, which is expected to boost regional economic activity and encourage long-term shareholding.

Yamanashi Chuo Bank Increases Financial Forecasts and Dividends

Yamanashi Chuo Bank has revised its financial forecasts for the fiscal year ending March 31, 2026, showing an increase in both consolidated and non-consolidated profits due to higher-than-expected interest on loans and securities. The bank has also decided to increase its interim and year-end dividends, reflecting improved financial performance and a commitment to shareholder returns, with a targeted payout ratio of 40%.

Yamanashi Chuo Bank Reports Significant Financial Growth

The Yamanashi Chuo Bank, Ltd. announced significant differences in its financial results for the six months ending September 30, 2025, compared to the same period in 2024. The bank reported a notable increase in ordinary income and profit, driven by higher interest on loans, increased interest and dividends on securities, and gains on bond sales. These improvements reflect positively on the bank’s operational performance and financial health, indicating a strong position in the market.

Yamanashi Chuo Bank Reports Strong Financial Growth and Increased Dividends

Yamanashi Chuo Bank, Ltd. reported significant financial growth for the six months ending September 30, 2025, with a 30.4% increase in ordinary income and a 41.6% rise in profit attributable to owners of the parent. The bank’s total assets grew to ¥4,588,010 million, reflecting a strong equity-to-asset ratio improvement. The bank also announced an increase in annual dividends per share, indicating confidence in its financial stability and future prospects.