Bank of Kochi, Ltd. (JP:8416)
:8416
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Bank of Kochi, Ltd.
(8416)
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Rating:65Neutral
Price Target:
¥1,161.00
▲(7.90% Upside)
Action:ReiteratedDate:02/10/26
The score is driven by strong technical momentum and trend strength, partially offset by mixed financial performance (declining revenue/margins and modest ROE). Valuation is a major negative due to the extremely high P/E, limiting the overall score despite the positive price action.
Positive Factors
Manageable leverage
The balance sheet shows a stable equity base with a debt-to-equity of 1.07, which remains within manageable ranges for a regional bank. That capital structure supports continued lending and local market operations, providing a foundation for growth while allowing room to absorb shocks if asset quality holds.
Negative Factors
Declining revenue and margins
A contracting revenue base alongside falling EBIT and net margins signals structural pressure on top-line growth and operating efficiency. For a regional bank, weaker revenue and margin trends can erode the ability to expand lending, invest in services, and sustain long-term profitability versus peers.
Read all positive and negative factors
Positive Factors
Negative Factors
Manageable leverage
The balance sheet shows a stable equity base with a debt-to-equity of 1.07, which remains within manageable ranges for a regional bank. That capital structure supports continued lending and local market operations, providing a foundation for growth while allowing room to absorb shocks if asset quality holds.
Read all positive factors
Bank of Kochi, Ltd. (8416) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥10.63B
Dividend Yield2.74%
Average Volume (3M)15.03K
Price to Earnings (P/E)8.6
Beta (1Y)1.05
Revenue Growth7.74%
EPS Growth-92.49%
CountryJP
Employees726
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)28.00
Shares Outstanding10,244,800
10 Day Avg. Volume12,840
30 Day Avg. Volume15,030
Financial Highlights & Ratios
PEG Ratio-0.27
Price to Book (P/B)0.16
Price to Sales (P/S)0.37
P/FCF Ratio0.00
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
Bank of Kochi, Ltd. Business Overview & Revenue Model
Company Description
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 7...
How the Company Makes Money
Bank of Kochi, Ltd. generates revenue primarily through its lending activities, where it earns interest income on loans provided to individuals, corporations, and governments. The bank also earns fees and commissions from services such as asset ma...
Bank of Kochi, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.11B | 22.02B | 21.40B | 21.25B | 20.53B | 21.14B |
| Gross Profit | 22.11B | 21.28B | 21.20B | 21.01B | 20.30B | 20.73B |
| EBITDA | 1.15B | 2.12B | 2.72B | 3.33B | 3.21B | 2.64B |
| Net Income | 404.00M | 860.00M | 1.25B | 1.60B | 1.61B | 877.00M |
Balance Sheet | ||||||
| Total Assets | 1.18T | 1.15T | 1.14T | 1.19T | 1.21T | 1.24T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 95.76B | 64.52B | 108.97B | 128.42B | 160.63B |
| Total Debt | 54.07B | 54.46B | 43.34B | 66.05B | 102.52B | 105.81B |
| Total Liabilities | 1.13T | 1.10T | 1.08T | 1.11T | 1.14T | 1.17T |
| Stockholders Equity | 52.30B | 50.70B | 58.65B | 73.77B | 71.32B | 72.55B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 0.00 | -32.97B | -35.05B | 0.00 |
| Operating Cash Flow | 0.00 | 0.00 | 0.00 | -31.98B | -34.28B | 0.00 |
| Investing Cash Flow | 0.00 | 6.28B | -5.94B | 6.11B | 2.49B | -513.00M |
| Financing Cash Flow | 0.00 | 2.90B | -17.96B | 6.35B | -462.00M | 74.66B |
Bank of Kochi, Ltd. Technical Analysis
Neutral
1076.00
Price Trends
1164.56
Negative
1040.18
Positive
940.77
Positive
Market Momentum
-38.86
Negative
44.58
Neutral
69.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8416, the sentiment is Neutral. The current price of 1076 is above the 20-day moving average (MA) of 1075.35, below the 50-day MA of 1164.56, and above the 200-day MA of 940.77, indicating a neutral trend. The MACD of -38.86 indicates Negative momentum. The RSI at 44.58 is Neutral, neither overbought nor oversold. The STOCH value of 69.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8416.
Bank of Kochi, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥96.47B | 1.54 | ― | 3.05% | 8.75% | -12.68% | |
69 Neutral | ¥99.18B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
69 Neutral | ¥63.22B | 6.31 | ― | 2.34% | -0.97% | 27.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥895.89B | 8.76 | ― | 2.10% | 1.39% | 52.58% | |
65 Neutral | ¥10.63B | 8.64 | ― | 2.74% | 7.74% | -92.49% | |
65 Neutral | ¥226.85B | 10.90 | ― | 2.53% | 7.67% | 11.03% |
* Financial Sector Average
JP:8416
Bank of Kochi, Ltd.
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29.65%
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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.