Bank of Kochi, Ltd. (JP:8416)
:8416
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Bank of Kochi, Ltd.
(8416)
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Rating:60Neutral
Price Target:
¥1,279.00
▲(18.87% 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 Growth
A near-20% top-line acceleration in FY2026 reflects renewed lending or fee momentum. Durable revenue growth, if sustained, improves ability to expand net interest income and fee pools, helping absorb fixed costs and finance strategic initiatives across the regional franchise.
Negative Factors
Profitability Deterioration
Material margin compression and falling net income indicate weaker earnings quality. Low margins limit retained earnings and capital build, constrain the bank's ability to invest or absorb credit losses, and translate into persistently low ROE, challenging long-term shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A near-20% top-line acceleration in FY2026 reflects renewed lending or fee momentum. Durable revenue growth, if sustained, improves ability to expand net interest income and fee pools, helping absorb fixed costs and finance strategic initiatives across the regional franchise.
Read all positive factors
Bank of Kochi, Ltd. (8416) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥13.07B
Dividend Yield2.74%
Average Volume (3M)15.03K
Price to Earnings (P/E)17.5
Beta (1Y)1.08
Revenue Growth17.43%
EPS Growth-35.15%
CountryJP
Employees726
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)22.50
Shares Outstanding10,244,800
10 Day Avg. Volume12,840
30 Day Avg. Volume15,030
Financial Highlights & Ratios
PEG Ratio-0.49
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
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
52
Neutral
Balance Sheet
51
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.11B | 26.50B | 22.02B | 21.40B | 21.25B | 20.53B |
| Gross Profit | 22.11B | 23.22B | 21.28B | 21.20B | 21.01B | 20.30B |
| EBITDA | 1.15B | 2.20B | 2.12B | 2.72B | 3.33B | 3.21B |
| Net Income | 404.00M | 596.00M | 860.00M | 1.25B | 1.60B | 1.61B |
Balance Sheet | ||||||
| Total Assets | 1.18T | 1.16T | 1.15T | 1.14T | 1.19T | 1.21T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 99.66B | 95.76B | 64.52B | 108.97B | 128.42B |
| Total Debt | 54.07B | 75.40B | 54.46B | 43.34B | 66.05B | 102.52B |
| Total Liabilities | 1.13T | 1.11T | 1.10T | 1.08T | 1.11T | 1.14T |
| Stockholders Equity | 52.30B | 45.90B | 50.70B | 58.65B | 73.77B | 71.32B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.69B | 0.00 | 0.00 | -32.97B | -35.05B |
| Operating Cash Flow | 0.00 | 9.56B | 0.00 | 0.00 | -31.98B | -34.28B |
| Investing Cash Flow | 0.00 | -5.61B | 6.28B | -5.94B | 6.11B | 2.49B |
| Financing Cash Flow | 0.00 | -314.00M | 2.90B | -17.96B | 6.35B | -462.00M |
Bank of Kochi, Ltd. Technical Analysis
Positive
1076.00
Price Trends
1101.41
Positive
1109.92
Positive
987.62
Positive
Market Momentum
51.14
Negative
66.70
Neutral
88.02
Negative
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 1076 is below the 20-day moving average (MA) of 1155.80, below the 50-day MA of 1101.41, and above the 200-day MA of 987.62, indicating a bullish trend. The MACD of 51.14 indicates Negative momentum. The RSI at 66.70 is Neutral, neither overbought nor oversold. The STOCH value of 88.02 is Negative, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥77.52B | 8.35 | ― | 2.34% | 3.68% | 26.06% | |
71 Outperform | ¥116.16B | 5.37 | ― | 3.05% | 49.84% | 156.03% | |
71 Outperform | ¥266.40B | 14.34 | ― | 2.53% | 16.63% | 19.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥943.92B | 20.92 | ― | 2.10% | 8.96% | 42.70% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% | |
60 Neutral | ¥13.07B | 17.45 | ― | 2.74% | 17.43% | -35.15% |
* Financial Sector Average
JP:8416
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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.