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

• Market Cap: ¥187.70B
• Dividend Yield: 2.56%
• Average Volume (3M): 78.40K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 1.28
• Revenue Growth: 17.66%
• EPS Growth: 49.06%
• Country: JP
• Employees: 1,594
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 103.33
• 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): 1.11
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ¥6,428.00 ▲(49.84% Upside)
• Action: Downgraded Date: 02/04/26
• Date: Action: Downgraded 02/04/26

The score is driven primarily by solid profitability and a strong technical uptrend. These positives are tempered by meaningful balance sheet leverage and weaker operating cash flow conversion, while valuation appears only moderately attractive with a mid-range P/E and a modest dividend yield.

Positive Factors

Net Profitability

A 14.08% net profit margin indicates durable profitability in the bank's core lending and fee businesses. Higher margins provide a cushion against credit cost volatility, support internal capital build-up and allow continued reinvestment in branches and services over the coming months.

Negative Factors

High Leverage / Modest ROE

High leverage (D/E 3.01) increases sensitivity to loan losses and interest-rate shifts, constraining capital buffers. Combined with a modest ROE of 3.6%, the bank has limited internal capital generation, which may restrict strategic investments or loan growth over the next several months.

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 ins...

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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 ins...

How the Company Makes Money

Yamanashi Chuo Bank generates earnings mainly through a traditional banking model. Its primary revenue stream is interest income: the bank gathers funds largely via customer deposits and other funding sources, then lends those funds to corporate a...

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Yamanashi Chuo Bank generates earnings mainly through a traditional banking model. Its primary revenue stream is interest income: the bank gathers funds largely via customer deposits and other funding sources, then lends those funds to corporate a...

Yamanashi Chuo Bank, Ltd. Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	63.36B	59.40B	54.82B	59.82B	44.66B	46.37B
Gross Profit	57.36B	55.12B	54.49B	57.35B	43.80B	45.23B
EBITDA	11.28B	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	583.45B	753.83B	1.19T	693.88B
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: 4290.00
• 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 4290 is below the 20-day moving average (MA) of 5153.15, below the 50-day MA of 5108.85, and above the 200-day MA of 3718.95, indicating a bullish trend. The MACD of 185.25 indicates Negative momentum. The RSI at 65.49 is Neutral, neither overbought nor oversold. The STOCH value of 84.36 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
8393	75 Outperform	¥172.02B	7.55	―	2.29%	13.93%	54.44%
8392	72 Outperform	¥164.58B	8.04	3.68%	2.26%	9.34%	20.61%
7184	72 Outperform	¥165.56B	8.80	―	2.63%	23.55%	-21.15%
7322	71 Outperform	¥172.05B	7.21	―	2.96%	14.85%	21.17%
8360	69 Neutral	¥187.70B	9.79	―	2.56%	17.66%	49.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8346	66 Neutral	¥176.69B	9.13	―	2.23%	29.06%	40.95%

Yamanashi Chuo Bank, Ltd. Corporate Events