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Ehime Bank, Ltd. (JP:8541)
:8541
Japanese Market

Ehime Bank, Ltd. (8541) AI Stock Analysis

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JP

Ehime Bank, Ltd.

(8541)

Rating:60Neutral
Price Target:
Ehime Bank, Ltd. has strong revenue growth and attractive valuation, but challenges in cash flow and bearish technical indicators suggest caution. Improvements in these areas are needed to enhance its financial stability and market appeal.

Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)

Ehime Bank, Ltd. Business Overview & Revenue Model

Company DescriptionEhime Bank, Ltd. (8541) is a regional financial institution headquartered in Matsuyama, Ehime Prefecture, Japan. The bank primarily operates in the banking sector, offering a comprehensive range of financial services. Its core services include personal and corporate banking, which encompasses deposit products, loans, and credit services, as well as foreign exchange and investment services. Ehime Bank also provides insurance products and asset management services, catering to the financial needs of individuals and businesses within its region of operation.
How the Company Makes MoneyEhime Bank, Ltd. generates revenue through various financial services and products. The primary sources of income include interest income from loans and advances to customers, which is a significant component of its earnings. The bank also earns through fees and commissions from providing banking services, including transaction fees, account maintenance charges, and service fees for investment and insurance products. Additionally, Ehime Bank engages in investment activities, earning from securities and other financial instruments. The bank's partnerships with other financial institutions and its focus on regional economic development contribute to its revenue streams by attracting a diverse customer base and enhancing its service offerings.

Ehime Bank, Ltd. Financial Statement Overview

Summary
Ehime Bank, Ltd. shows strong revenue and EBIT growth, but struggles with profitability consistency and cash flow generation. Improving these areas is crucial for long-term stability.
Income Statement
72
Positive
Ehime Bank, Ltd. has demonstrated a strong revenue growth from 2023 to TTM (Trailing-Twelve-Months), with a notable increase in EBIT margin from 16.6% to 33.7%. However, the net profit margin has slightly declined due to a significant negative EBITDA in TTM, indicating potential issues with non-operating expenses or one-time charges. Overall, the bank shows robust growth trends but needs to address profitability fluctuations.
Balance Sheet
65
Positive
The bank's debt-to-equity ratio decreased to 0.38 in TTM, reflecting improved leverage compared to previous periods. Return on Equity (ROE) remains stable, suggesting moderate profitability relative to equity. The equity ratio is healthy at 4.8%, indicating a balanced capital structure. However, the substantial liabilities relative to assets highlight potential risks in asset management.
Cash Flow
40
Negative
Ehime Bank, Ltd. has faced challenges in cash flow generation, with operating and free cash flows consistently negative in TTM and previous periods. The absence of positive free cash flow growth and low cash conversion ratios signal difficulties in converting earnings into cash, posing risks to liquidity and sustainability.
BreakdownTTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue50.15B61.04B43.09B38.18B35.45B35.55B
Gross Profit52.96B0.0043.09B38.18B35.45B35.55B
EBITDA2.72B5.00B8.76B9.99B10.48B9.48B
Net Income4.83B5.72B5.05B5.39B5.78B5.45B
Balance Sheet
Total Assets2.91T2.96T2.89T2.89T2.89T2.77T
Cash, Cash Equivalents and Short-Term Investments150.34B0.00204.90B218.00B339.77B286.27B
Total Debt52.85B91.13B72.74B95.58B128.39B78.16B
Total Liabilities2.77T2.83T2.75T45.59B2.75T2.61T
Stockholders Equity139.21B135.46B137.17B127.54B134.69B153.50B
Cash Flow
Free Cash Flow0.0013.00B-28.30B-76.84B82.33B37.91B
Operating Cash Flow0.0013.61B-24.97B-74.62B84.61B38.90B
Investing Cash Flow0.00-24.04B13.02B-45.95B-24.34B-39.45B
Financing Cash Flow0.0074.12B-1.29B-1.17B-7.03B-4.69B

Ehime Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1006.00
Price Trends
50DMA
1010.26
Positive
100DMA
1035.95
Negative
200DMA
1045.75
Negative
Market Momentum
MACD
0.47
Negative
RSI
57.99
Neutral
STOCH
86.71
Negative
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 1006 is above the 20-day moving average (MA) of 1004.55, below the 50-day MA of 1010.26, and below the 200-day MA of 1045.75, indicating a neutral trend. The MACD of 0.47 indicates Negative momentum. The RSI at 57.99 is Neutral, neither overbought nor oversold. The STOCH value of 86.71 is Negative, 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥64.39B4.84
3.75%21.73%151.58%
74
Outperform
¥324.66B10.544.21%3.24%5.52%15.05%
74
Outperform
¥5.63T13.744.38%3.68%-15.25%16.43%
72
Outperform
¥198.38B6.36
2.60%1.66%23.00%
71
Outperform
¥1.18T10.17
3.17%26.21%41.82%
67
Neutral
¥718.01B10.717.55%3.31%7.97%15.90%
60
Neutral
¥39.38B6.88
3.35%1.51%7.90%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8541
Ehime Bank, Ltd.
1,020.00
-180.38
-15.03%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
6,710.00
2,254.32
50.59%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
3,375.00
257.38
8.26%
JP:7184
First Bank of Toyama Ltd.
1,027.00
-238.90
-18.87%
JP:7180
Kyushu Financial Group
754.70
-158.94
-17.40%
JP:7182
Japan Post Bank Co
1,586.50
106.67
7.21%

Ehime Bank, Ltd. Corporate Events

Ehime Bank Announces Leadership Restructuring to Enhance Corporate Value
Apr 25, 2025

Ehime Bank, Ltd. announced a series of leadership changes aimed at enhancing its corporate value through a new management structure. These changes, which include the appointment of a new Representative Director and other key officers, are expected to be finalized at the upcoming Annual General Meeting. The restructuring reflects the bank’s strategic focus on strengthening its management team to better position itself in the competitive financial sector.

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: Apr 22, 2025