Manageable Leverage And Stable Equity BaseA manageable debt-to-equity of 1.07 and a stable equity base provide a durable funding and capitalization foundation. That balance-sheet strength supports continued lending, deposit stability and regulatory resilience, enabling the bank to underwrite growth and absorb shocks over months.

Improved Cash GenerationFree cash flow turning positive and a strong operating-cash-to-net-income ratio (5.22) indicate improving cash conversion. Durable cash generation enhances liquidity, funds loan originations and operations internally, and reduces reliance on external funding over the medium term.

Regional Franchise With Diversified ServicesA focused regional franchise with a broad product set and deep local relationships supports deposit stickiness and cross-selling. That structural market position fosters steady net interest margins and fee income potential from businesses and households in the local economy over multiple quarters.

Bears Say

Declining Revenue And Weakening MarginsA recent revenue decline and compressing EBIT/net margins materially reduce internal earnings capacity. Persisting top-line and margin weakness constrains retained earnings, limits loan-loss buffers and reduces the bank's ability to invest in growth or absorb cyclical credit stress over the medium term.

Modest Return On EquityA low ROE of ~1.7% signals limited profitability from shareholder capital. Persistently low returns hamper capital accumulation, make it harder to justify dividend payouts, and may force retention of earnings or external capital raising to support growth or regulatory capital needs.

Historical Cash-flow VolatilityDespite recent FCF improvement, historical volatility in cash flows undermines predictability of funding and investment. Variable cash generation complicates provisioning, capital planning and consistent lending, increasing operational and strategic risk across the next several quarters.

8416 FAQ

What was Bank of Kochi, Ltd.’s price range in the past 12 months?

Bank of Kochi, Ltd. lowest stock price was ¥646.00 and its highest was ¥1483.00 in the past 12 months.

What is Bank of Kochi, Ltd.’s market cap?

Bank of Kochi, Ltd.’s market cap is ¥11.36B.

When is Bank of Kochi, Ltd.’s upcoming earnings report date?

Bank of Kochi, Ltd.’s upcoming earnings report date is May 08, 2026 which is in 60 days.

How were Bank of Kochi, Ltd.’s earnings last quarter?

Bank of Kochi, Ltd. released its earnings results on Feb 09, 2026. The company reported ¥28 earnings per share for the quarter, beating the consensus estimate of N/A by ¥28.

Is Bank of Kochi, Ltd. overvalued?

According to Wall Street analysts Bank of Kochi, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Bank of Kochi, Ltd. pay dividends?

Bank of Kochi, Ltd. pays a Semiannually dividend of ¥15 which represents an annual dividend yield of 2.74%. See more information on Bank of Kochi, Ltd. dividends here

What is Bank of Kochi, Ltd.’s EPS estimate?

Bank of Kochi, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Bank of Kochi, Ltd. have?

Bank of Kochi, Ltd. has 10,244,800 shares outstanding.

What happened to Bank of Kochi, Ltd.’s price movement after its last earnings report?

Bank of Kochi, Ltd. reported an EPS of ¥28 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -10.838%.

Which hedge fund is a major shareholder of Bank of Kochi, Ltd.?

Currently, no hedge funds are holding shares in JP:8416

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Bank of Kochi, Ltd.

The Bank Of Kochi, Ltd. provides various banking products and services in Japan. The company offers savings and term deposits; mortgage, education, and car loans; insurance products and services; investment trust services; and cards. It operates 72 branches. The company was founded in 1930 and is headquartered in Kochi, Japan.