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Ehime Bank, Ltd.
(8541)
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Rating:69Neutral
Price Target:
¥3,059.00
▲(94.96% Upside)
Action:Reiterated
Date:07/25/26
The score is driven primarily by improving financial performance (strong revenue and net income trajectory), supported by strong technical momentum (price above key moving averages and positive MACD). Offsetting factors are inconsistent cash flow quality/visibility and the sharp rise in 2026 debt, while valuation is only moderate with a relatively low dividend yield.
Positive Factors
Revenue and net income momentum
Sustained top-line and net income growth over multiple years indicates durable demand for core lending and deposit services, expands internal capital generation, and supports reinvestment into branches and digital channels. This trajectory strengthens long-term earnings visibility if credit quality holds.
Negative Factors
High cash flow volatility and missing 2025 data
Extreme year-to-year swings and an absence of recorded 2025 cash flows reduce confidence in forecasting free cash generation and dividend sustainability. This unpredictability complicates capital planning, provisioning decisions, and the bank's ability to commit to multi-period strategic investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and net income momentum
Sustained top-line and net income growth over multiple years indicates durable demand for core lending and deposit services, expands internal capital generation, and supports reinvestment into branches and digital channels. This trajectory strengthens long-term earnings visibility if credit quality holds.
Read all positive factors
Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥108.66B
Dividend Yield1.2%
Average Volume (3M)70.85K
Price to Earnings (P/E)15.1
Beta (1Y)0.97
Revenue Growth3.68%
EPS Growth26.05%
CountryJP
Employees1,350
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)184.61
Shares Outstanding39,426,777
10 Day Avg. Volume67,690
30 Day Avg. Volume70,846
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)0.42
Price to Sales (P/S)0.90
P/FCF Ratio7.48
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
Ehime Bank, Ltd. Business Overview & Revenue Model
Company Description
Operating within Japan, The Ehime Bank, Ltd. delivers a comprehensive array of banking and financial solutions. Its offerings encompass a wide range of deposit accounts, including standard savings, interest-free savings, checking accounts, foreign...
How the Company Makes Money
Ehime Bank makes money mainly through (1) interest income generated by earning interest on loans and other interest-bearing assets (such as securities) while paying interest on customer deposits and other funding; the spread between these rates (n...
Ehime Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 66.98B | 60.60B | 59.74B | 46.78B | 36.93B |
| Gross Profit | 49.86B | 43.84B | 43.09B | 38.18B | 35.45B |
| EBITDA | 12.12B | 9.41B | 8.76B | 9.99B | 10.48B |
| Net Income | 7.21B | 5.71B | 5.05B | 5.39B | 5.78B |
Balance Sheet | |||||
| Total Assets | 3.08T | 2.96T | 2.89T | 2.89T | 2.89T |
| Cash, Cash Equivalents and Short-Term Investments | 346.76B | 269.08B | 204.90B | 218.00B | 339.77B |
| Total Debt | 120.22B | 71.00B | 72.74B | 95.58B | 128.39B |
| Total Liabilities | 2.94T | 2.83T | 2.75T | 2.76T | 2.75T |
| Stockholders Equity | 144.14B | 135.45B | 137.16B | 127.54B | 134.69B |
Cash Flow | |||||
| Free Cash Flow | 8.06B | 0.00 | -15.28B | -76.84B | 82.33B |
| Operating Cash Flow | 9.16B | 0.00 | -24.97B | -74.62B | 84.61B |
| Investing Cash Flow | -37.05B | 20.82B | 13.02B | -45.95B | -24.34B |
| Financing Cash Flow | 103.85B | 55.73B | -1.29B | -1.17B | -7.03B |
Ehime Bank, Ltd. Technical Analysis
Positive
1569.00
Price Trends
2236.54
Positive
1989.01
Positive
1729.85
Positive
Market Momentum
156.50
Positive
62.06
Neutral
36.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8541, the sentiment is Positive. The current price of 1569 is below the 20-day moving average (MA) of 2545.15, below the 50-day MA of 2236.54, and below the 200-day MA of 1729.85, indicating a bullish trend. The MACD of 156.50 indicates Positive momentum. The RSI at 62.06 is Neutral, neither overbought nor oversold. The STOCH value of 36.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8541.
Ehime Bank, 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% | |
65 Neutral | ¥199.48B | 13.98 | ― | 2.29% | 9.41% | 45.92% | |
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:8541
Ehime Bank, Ltd.
2,725.00
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153.44%
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Ehime Bank, Ltd. Corporate Events
Iyogin Holdings and Ehime Bank Sign Basic Agreement for Regional Banking Integration
Jul 24, 2026
Iyogin Holdings and The Ehime Bank, both based in Ehime Prefecture, have long positioned themselves as community-focused regional lenders, emphasizing support for local industry, regional development, and customer-centric service. Operating in a r...
Ehime Bank Confirms Board Review of Potential Integration with Iyogin Holdings
Jul 23, 2026
The Ehime Bank, Ltd., a regional bank listed on the Tokyo Stock Exchange Prime Market, focuses on traditional banking services including deposits and loans for customers in Ehime Prefecture and nearby regions. As a regional lender, it plays a key ...
Ehime Bank Expands Stock Compensation Plan to Managing Executive Officers
Jun 26, 2026
Ehime Bank has revised its Board Benefit Trust stock compensation plan to expand eligibility beyond internal directors to include managing executive officers. The move follows a board resolution to shift managing executive officers from an employm...
Ehime Bank Board Rejects Shareholder Call to Curb Cross-Shareholdings
May 25, 2026
The Ehime Bank, Ltd. has disclosed that it received a shareholder proposal ahead of its 122nd annual general meeting, calling for amendments to its Articles of Incorporation to restrict holdings of companies deemed lacking in corporate ethics. The...
Ehime Bank Posts Higher Profit and Dividend but Signals Cautious Outlook
May 15, 2026
Ehime Bank reported consolidated ordinary income of ¥68.5 billion for the year ended March 31, 2026, up 3.6% year on year, with ordinary profit jumping 36.1% to ¥10.7 billion and profit attributable to owners rising 26.2% to ¥7.2 bi...
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.