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Bank of Kochi, Ltd.
(8416)
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Rating:60Neutral
Price Target:
¥1,151.00
▲(6.97% Upside)
Action:Reiterated
Date:05/16/26
The score is held back primarily by weakening profitability, higher leverage, declining equity, and low/declining ROE despite improved revenue and a strong FY2026 cash flow print. Offsetting this, the technical setup is positive with price above key moving averages and supportive momentum indicators. Valuation and yield are moderate and neither strongly amplify nor materially offset the financial risks.
Positive Factors
Revenue Acceleration
A near-20% revenue acceleration in FY2026 signals improving top-line momentum that can support longer-term scale benefits. Sustained revenue growth can expand net interest income and fee opportunities, helping rebuild profitability if maintained across funding and credit cycles.
Negative Factors
Weak Profitability
Compressed margins and falling net income reduce the cushion to absorb loan losses and fund growth. Persistently low profitability undermines capital accumulation and ROE improvement, constraining the bank's ability to invest in technology, expand lending, or sustainably pay dividends over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Acceleration
A near-20% revenue acceleration in FY2026 signals improving top-line momentum that can support longer-term scale benefits. Sustained revenue growth can expand net interest income and fee opportunities, helping rebuild profitability if maintained across funding and credit cycles.
Read all positive factors
Bank of Kochi, Ltd. (8416) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥11.32B
Dividend Yield2.24%
Average Volume (3M)15.03K
Price to Earnings (P/E)21.0
Beta (1Y)1.08
Revenue Growth22.59%
EPS Growth-35.15%
CountryJP
Employees724
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)53.17
Shares Outstanding10,244,800
10 Day Avg. Volume12,840
30 Day Avg. Volume15,030
Financial Highlights & Ratios
PEG Ratio-0.89
Price to Book (P/B)0.23
Price to Sales (P/S)0.39
P/FCF Ratio1.20
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
Established in 1930 and headquartered in Kochi, Japan, The Bank Of Kochi, Ltd. operates as a financial institution offering a diverse array of banking products and services across the country. Its comprehensive offerings include various deposit ac...
Bank of Kochi, Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
51
Neutral
Cash Flow
44
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 26.50B | 22.02B | 21.40B | 21.25B | 20.53B |
| Gross Profit | 23.22B | 21.28B | 21.20B | 21.01B | 20.30B |
| EBITDA | 2.20B | 2.12B | 2.72B | 3.33B | 3.21B |
| Net Income | 596.00M | 860.00M | 1.25B | 1.60B | 1.61B |
Balance Sheet | |||||
| Total Assets | 1.16T | 1.15T | 1.14T | 1.19T | 1.21T |
| Cash, Cash Equivalents and Short-Term Investments | 99.66B | 95.76B | 64.52B | 108.97B | 128.42B |
| Total Debt | 75.40B | 54.46B | 43.34B | 66.05B | 102.52B |
| Total Liabilities | 1.11T | 1.10T | 1.08T | 1.11T | 1.14T |
| Stockholders Equity | 45.90B | 50.70B | 58.65B | 73.77B | 71.32B |
Cash Flow | |||||
| Free Cash Flow | 8.69B | 0.00 | 0.00 | -32.97B | -35.05B |
| Operating Cash Flow | 9.56B | 0.00 | 0.00 | -31.98B | -34.28B |
| Investing Cash Flow | -5.61B | 6.28B | -5.94B | 6.11B | 2.49B |
| Financing Cash Flow | -314.00M | 2.90B | -17.96B | 6.35B | -462.00M |
Bank of Kochi, Ltd. Technical Analysis
Negative
1076.00
Price Trends
1204.24
Negative
1159.38
Negative
1078.34
Negative
Market Momentum
-28.34
Positive
33.01
Neutral
41.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8416, the sentiment is Negative. The current price of 1076 is below the 20-day moving average (MA) of 1150.10, below the 50-day MA of 1204.24, and below the 200-day MA of 1078.34, indicating a bearish trend. The MACD of -28.34 indicates Positive momentum. The RSI at 33.01 is Neutral, neither overbought nor oversold. The STOCH value of 41.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8416.
Bank of Kochi, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥136.88B | 7.97 | ― | 3.05% | 24.77% | 156.11% | |
69 Neutral | ¥108.66B | 15.06 | ― | 2.34% | 3.68% | 26.05% | |
67 Neutral | ¥1.10T | 14.32 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥323.41B | 18.51 | ― | 2.53% | 23.28% | 40.80% | |
64 Neutral | ¥124.84B | 13.29 | ― | 2.46% | 16.88% | 59.33% | |
60 Neutral | ¥11.32B | 21.01 | ― | 2.74% | 22.59% | -35.15% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8416
Bank of Kochi, Ltd.
1,050.00
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28.30%
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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.