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Bank of Kochi, Ltd. (JP:8416)
:8416
Japanese Market
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Bank of Kochi, Ltd. (8416) AI Stock Analysis

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JP:8416

Bank of Kochi, Ltd.

(8416)

Rating:65Neutral
Price Target:
¥1,011.00
▲(8.83% Upside)
The overall stock score reflects a stable financial performance with concerns about revenue growth and cash flow stability. Strong technical momentum supports the stock, but high valuation limits upside potential. The absence of earnings call and corporate events data means these factors do not influence the score.

Bank of Kochi, Ltd. (8416) vs. iShares MSCI Japan ETF (EWJ)

Bank of Kochi, Ltd. Business Overview & Revenue Model

Company DescriptionBank of Kochi, Ltd. (8416) is a regional bank based in Japan that operates primarily in the financial services sector. The bank provides a wide range of services including retail banking, corporate banking, and investment services. Its core products encompass personal loans, mortgages, savings and checking accounts, investment trusts, and various financial advisory services, catering to both individual and business clients in its local market.
How the Company Makes MoneyThe Bank of Kochi generates revenue primarily through interest income from loans and advances given to customers, which constitutes a significant portion of its earnings. Additionally, the bank earns fees and commissions from various services, including account maintenance, fund management, and financial advisory services. Income from investment securities also contributes to the bank's overall revenue. Furthermore, the bank may have strategic partnerships with local businesses and financial institutions to enhance its service offerings and expand its customer base, thus playing a crucial role in its financial performance.

Bank of Kochi, Ltd. Financial Statement Overview

Summary
The bank shows a stable financial position with positive profitability metrics. However, declining revenue growth and increased leverage are concerns. Cash flow volatility also poses a risk, despite recent improvements in cash management.
Income Statement
65
Positive
The income statement shows a mixed performance with declining revenue growth at -1.23% in the latest year, indicating potential challenges in revenue generation. However, the bank maintains a positive net profit margin of 3.85%, though it has decreased from previous years. The EBIT margin has also declined, reflecting reduced operational efficiency. Overall, while profitability is present, the downward trend in revenue and margins suggests areas for improvement.
Balance Sheet
70
Positive
The balance sheet reveals a stable equity base with a debt-to-equity ratio of 1.07, which is manageable but has increased from the previous year, indicating rising leverage. The return on equity is modest at 1.70%, suggesting limited profitability from equity investments. The equity ratio is not explicitly calculated, but the overall asset base remains strong, providing a solid foundation for the bank's operations.
Cash Flow
60
Neutral
Cash flow analysis highlights significant volatility, with a notable improvement in free cash flow from negative to positive, indicating better cash management. The operating cash flow to net income ratio is strong at 5.22, suggesting efficient conversion of income to cash. However, the historical instability in cash flows poses a risk, and consistent positive cash flow generation remains a challenge.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue21.60B22.02B21.20B21.25B20.53B21.14B
Gross Profit21.60B22.47B21.20B21.77B20.30B20.41B
EBITDA1.84B790.00M2.72B3.33B3.21B2.64B
Net Income862.00M861.00M1.25B1.60B1.61B877.00M
Balance Sheet
Total Assets1.15T1.15T1.14T1.19T1.21T1.24T
Cash, Cash Equivalents and Short-Term Investments95.76B95.76B64.52B108.97B128.42B160.63B
Total Debt54.46B54.46B43.34B66.05B102.52B105.81B
Total Liabilities1.10T1.10T1.08T1.11T1.14T1.17T
Stockholders Equity50.70B50.70B58.65B73.77B71.32B72.55B
Cash Flow
Free Cash Flow0.009.13B-7.23B-32.97B-35.05B79.31B
Operating Cash Flow0.009.37B-5.77B-31.98B-34.28B80.49B
Investing Cash Flow0.006.28B-5.94B6.11B2.49B-513.00M
Financing Cash Flow0.002.90B-17.96B6.35B-462.00M74.66B

Bank of Kochi, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price929.00
Price Trends
50DMA
839.60
Positive
100DMA
791.52
Positive
200DMA
796.74
Positive
Market Momentum
MACD
27.72
Positive
RSI
61.52
Neutral
STOCH
19.35
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8416, the sentiment is Positive. The current price of 929 is above the 20-day moving average (MA) of 909.25, above the 50-day MA of 839.60, and above the 200-day MA of 796.74, indicating a bullish trend. The MACD of 27.72 indicates Positive momentum. The RSI at 61.52 is Neutral, neither overbought nor oversold. The STOCH value of 19.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8416.

Bank of Kochi, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥10.14B7.15
4.01%2.44%10.20%
73
Outperform
¥12.19B6.94
1.10%2.20%
72
Outperform
¥12.89B11.15
3.68%7.67%-26.27%
68
Neutral
$17.80B11.949.89%3.74%9.69%1.17%
65
Neutral
¥9.39B25.08
2.70%3.73%-78.83%
61
Neutral
¥9.14B8.74
2.99%-9.75%81.65%
57
Neutral
¥8.58B
2.02%2.60%-246.98%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8416
Bank of Kochi, Ltd.
929.00
142.27
18.08%
JP:7161
Jimoto Holdings, Inc.
455.00
164.43
56.59%
JP:8349
Tohoku Bank, Ltd.
1,360.00
237.04
21.11%
JP:8365
Bank of Toyama Ltd.
1,673.00
90.09
5.69%
JP:8562
Fukushima Bank, Ltd.
247.00
10.17
4.29%
JP:8563
Daito Bank, Ltd.
799.00
169.96
27.02%
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.Date of analysis: Aug 29, 2025