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Ehime Bank, Ltd.
(8541)
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Rating:75Outperform
Price Target:
¥2,579.00
▲(64.37% Upside)
Action:Upgraded
Date:05/16/26
The score is driven primarily by solid financial performance with strong revenue/net income momentum, but tempered by cash flow volatility and a notable 2026 debt increase. Technicals are strong (price above key moving averages with positive MACD), and valuation is attractive with a low P/E and a moderate dividend yield.
Positive Factors
Revenue & Earnings Momentum
Sustained top-line and net income growth over multiple years indicates durable demand for core lending and services in the bank's regional market. This trend supports internal capital generation, credit capacity expansion, and long-term business viability independent of short-term market swings.
Negative Factors
2026 Debt Spike
A sudden, large increase in total debt raises structural funding and leverage risk, increasing interest expense and refinancing needs. If profitability or credit conditions deteriorate, higher debt can constrain capital allocation and raise the cost of maintaining loan growth over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Earnings Momentum
Sustained top-line and net income growth over multiple years indicates durable demand for core lending and services in the bank's regional market. This trend supports internal capital generation, credit capacity expansion, and long-term business viability independent of short-term market swings.
Read all positive factors
Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥89.55B
Dividend Yield2.34%
Average Volume (3M)70.85K
Price to Earnings (P/E)12.1
Beta (1Y)0.93
Revenue Growth3.68%
EPS Growth26.05%
CountryJP
Employees1,342
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
2002.84
Positive
1852.48
Positive
1609.38
Positive
Market Momentum
82.38
Negative
63.87
Neutral
75.56
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 2102.15, below the 50-day MA of 2002.84, and below the 200-day MA of 1609.38, indicating a bullish trend. The MACD of 82.38 indicates Negative momentum. The RSI at 63.87 is Neutral, neither overbought nor oversold. The STOCH value of 75.56 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥89.55B | 12.13 | ― | 2.34% | 3.68% | 26.05% | |
71 Outperform | ¥131.95B | 7.50 | ― | 3.05% | 24.77% | 156.11% | |
71 Outperform | ¥295.10B | 18.97 | ― | 2.53% | 16.63% | 19.98% | |
67 Neutral | ¥997.85B | 12.84 | ― | 2.10% | 8.96% | 42.62% | |
65 Neutral | ¥191.80B | 13.11 | ― | 2.29% | 9.41% | 45.92% | |
60 Neutral | ¥11.77B | 21.14 | ― | 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
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Ehime Bank, Ltd. Corporate Events
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...
Ehime Bank Overhauls Executive Lineup Ahead of June Shareholders’ Meeting
Apr 24, 2026
Ehime Bank has announced a broad reshuffle of its leadership, with the board tentatively approving new appointments to director, corporate auditor, and executive officer roles, to be formally decided at the June 26, 2026 shareholders’ meetin...
Ehime Bank Lifts Earnings Outlook and Announces Higher Dividend Payout
Apr 24, 2026
Ehime Bank revised upward its full-year earnings forecasts for the fiscal year ended March 31, 2026, citing higher net interest income and increased net fees and commissions on a non-consolidated basis. Consolidated ordinary profit is now projecte...
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.