Yamanashi Chuo Bank, Ltd. (JP:8360)
:8360
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Yamanashi Chuo Bank, Ltd.
(8360)
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Rating:68Neutral
Price Target:
¥6,300.00
▲(46.85% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily held back by financial performance, where cash flow volatility and modest returns on equity offset improving profitability and the 2026 revenue rebound. Technicals are supportive with a strong uptrend and positive momentum, and valuation is attractive with a low P/E and a moderate dividend yield.
Positive Factors
Improving profitability (net income growth)
Net income growth from 3.1B to 10.0B over 2021–2026 indicates meaningful improvement in core earnings power. Sustained higher profits strengthen retained capital, improve loss-absorption capacity, and create room to invest in services and digital capabilities that support durable franchise resilience.
Negative Factors
Elevated leverage and low ROE
Relatively high leverage increases sensitivity to funding costs and credit cycles while low historical ROE limits internal capital generation. Together these structural constraints restrict the bank's ability to expand risk-weighted assets, raise equity, or pursue strategic investments without diluting returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability (net income growth)
Net income growth from 3.1B to 10.0B over 2021–2026 indicates meaningful improvement in core earnings power. Sustained higher profits strengthen retained capital, improve loss-absorption capacity, and create room to invest in services and digital capabilities that support durable franchise resilience.
Read all positive factors
Yamanashi Chuo Bank, Ltd. (8360) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥190.90B
Dividend Yield2.56%
Average Volume (3M)78.40K
Price to Earnings (P/E)15.9
Beta (1Y)1.31
Revenue Growth42.06%
EPS Growth29.62%
CountryJP
Employees1,594
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)254.96
Shares Outstanding32,783,000
10 Day Avg. Volume86,400
30 Day Avg. Volume78,403
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)0.68
Price to Sales (P/S)1.90
P/FCF Ratio18.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
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...
Yamanashi Chuo Bank, Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
57
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 63.36B | 83.75B | 59.40B | 54.82B | 59.82B | 44.66B |
| Gross Profit | 57.36B | 73.22B | 55.12B | 54.49B | 57.35B | 43.80B |
| EBITDA | 11.28B | 16.13B | 12.75B | 9.55B | 9.53B | 7.92B |
| Net Income | 7.79B | 9.99B | 7.67B | 5.66B | 5.06B | 4.24B |
Balance Sheet | ||||||
| Total Assets | 4.78T | 4.58T | 4.53T | 4.37T | 4.38T | 4.47T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 289.77B | 554.86B | 695.77B | 896.64B | 895.50B |
| Total Debt | 680.51B | 491.61B | 639.48B | 583.45B | 753.83B | 1.19T |
| Total Liabilities | 4.55T | 4.35T | 4.31T | 4.15T | 4.19T | 4.26T |
| Stockholders Equity | 222.15B | 233.11B | 212.78B | 217.40B | 190.88B | 208.46B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.83B | 31.41B | -292.66B | -296.08B | 266.32B |
| Operating Cash Flow | 0.00 | 10.59B | 32.57B | -290.77B | -293.88B | 267.98B |
| Investing Cash Flow | 0.00 | -308.19B | -124.53B | 92.62B | 297.56B | -112.07B |
| Financing Cash Flow | 0.00 | 25.90B | -15.09B | -62.50B | -2.63B | -1.12B |
Yamanashi Chuo Bank, Ltd. Technical Analysis
Positive
4290.00
Price Trends
5415.26
Positive
5076.46
Positive
4143.59
Positive
Market Momentum
148.56
Negative
60.72
Neutral
78.32
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 4290 is below the 20-day moving average (MA) of 5592.00, below the 50-day MA of 5415.26, and above the 200-day MA of 4143.59, indicating a bullish trend. The MACD of 148.56 indicates Negative momentum. The RSI at 60.72 is Neutral, neither overbought nor oversold. The STOCH value of 78.32 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥178.84B | 12.13 | ― | 2.96% | 21.41% | 42.73% | |
72 Outperform | ¥194.84B | 16.97 | ― | 2.23% | 31.23% | 66.11% | |
70 Outperform | ¥176.12B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | ¥190.90B | 15.92 | ― | 2.56% | 42.06% | 29.62% | |
68 Neutral | ¥171.80B | 8.14 | ― | 2.63% | 5.33% | 14.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥174.83B | 10.12 | ― | 2.29% | 9.41% | 45.91% |
* Financial Sector Average
JP:8360
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Yamanashi Chuo Bank, Ltd. Corporate Events
Yamanashi Chuo Bank Lifts Profitability Targets in Medium-Term Plan
May 14, 2026
The Yamanashi Chuo Bank has raised key financial targets in its Medium-Term Management Plan, reflecting stronger performance expectations and a more ambitious profitability profile. The bank now aims for a consolidated ROE of at least 5.8 percent ...
Yamanashi Chuo Bank Lifts Year-End Dividend, Boosts Annual Payout by Over 70%
May 14, 2026
The Yamanashi Chuo Bank, Ltd. has proposed a substantial increase in its year-end dividend for the fiscal year ended March 31, 2026, raising the planned payment from 59 yen to 72 yen per share, with the total dividend amounting to 2,248 million ye...
Yamanashi Chuo Bank Boosts Earnings on Strong Loan and Securities Income
May 14, 2026
The Yamanashi Chuo Bank reported a sharp year-on-year improvement in earnings for the fiscal year ended March 31, 2026, with consolidated ordinary income rising 42.3% to ¥86.1 billion and profit attributable to owners of parent climbing 30.2%...
Yamanashi Chuo Bank Posts Strong Profit Growth and Lifts Shareholder Returns
May 14, 2026
Yamanashi Chuo Bank reported a strong improvement in consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 42.3% year on year to ¥86.1 billion and profit attributable to owners of parent up 30.2% to ¥...
Yamanashi Chuo Bank Overhauls Top Management to Bolster Governance
Mar 25, 2026
The Yamanashi Chuo Bank announced a slate of senior management changes aimed at strengthening its governance and responsiveness to a shifting business environment. Managing Director Koichiro Kato will assume the role of Representative Director and...
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.