Ehime Bank, Ltd. (8541) AI Stock Analysis

• Market Cap: ¥42.86B
• Dividend Yield: 3.1%
• Average Volume (3M): 83.06K
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.81
• Revenue Growth: 1.51%
• EPS Growth: 7.90%
• Country: JP
• Employees: 1,342
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 53.09
• Shares Outstanding: 39,426,777
• 10 Day Avg. Volume: 75,800
• 30 Day Avg. Volume: 83,060
• PEG Ratio: -0.90
• Price to Book (P/B): 0.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.43
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• 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. Business Overview & Revenue Model

Company Description

The Ehime Bank, Ltd. provides banking products and financial services in Japan. It offers savings, interest-free-bearing savings, checking, foreign currency savings, notification, automatic savings time, super time, large time, negotiable, certificate of deposit, and foreign currency time deposit products, as well as various loans. The company also provides business support, corporate association/tax accountant collaboration, and shipping and shipbuilding loans; and guarantee/institutional financing and co-financing services. In addition, it offers pension, life, non-life, medical, and cancer insurance products; asset management, fund management, trust agency, and management/business support services, as well as farm and internet banking; and e-net payment collection services. As of March 31, 2020, the company operated through 112 branches. The Ehime Bank, Ltd. was founded in 1915 and is headquartered in Matsuyama, Japan.

How the Company Makes Money

Ehime 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

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

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

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.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	50.15B	61.04B	43.09B	38.18B	35.45B	35.55B
Gross Profit	52.96B	0.00	43.09B	38.18B	35.45B	35.55B
EBITDA	2.72B	5.00B	8.76B	9.99B	10.48B	9.48B
Net Income	4.83B	5.72B	5.05B	5.39B	5.78B	5.45B
Balance Sheet
Total Assets	2.91T	2.96T	2.89T	2.89T	2.89T	2.77T
Cash, Cash Equivalents and Short-Term Investments	150.34B	0.00	204.90B	218.00B	339.77B	286.27B
Total Debt	52.85B	91.13B	72.74B	95.58B	128.39B	78.16B
Total Liabilities	2.77T	2.83T	2.75T	45.59B	2.75T	2.61T
Stockholders Equity	139.21B	135.46B	137.17B	127.54B	134.69B	153.50B
Cash Flow
Free Cash Flow	0.00	13.00B	-28.30B	-76.84B	82.33B	37.91B
Operating Cash Flow	0.00	13.61B	-24.97B	-74.62B	84.61B	38.90B
Investing Cash Flow	0.00	-24.04B	13.02B	-45.95B	-24.34B	-39.45B
Financing Cash Flow	0.00	74.12B	-1.29B	-1.17B	-7.03B	-4.69B

Ehime Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1097.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 1097 is above the 20-day moving average (MA) of 1027.10, above the 50-day MA of 1015.78, and above the 200-day MA of 1046.82, indicating a bullish trend. The MACD of 17.83 indicates Negative momentum. The RSI at 78.24 is Negative, neither overbought nor oversold. The STOCH value of 94.04 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8395	72 Outperform	¥45.93B	6.24		2.89%	12.46%	94.62%
8362	72 Outperform	¥44.16B	6.10		3.08%	3.71%	145.88%
Sector *	67 Neutral	¥758.97B	11.02	7.55%	3.20%	7.82%	14.69%
8387	66 Neutral	¥50.85B	7.58		3.64%	-11.64%	8.31%
8550	61 Neutral	¥47.84B	7.44		1.53%	-4.70%	670.89%
8541	60 Neutral	¥42.86B	7.49		3.10%	1.51%	7.90%
8344	52 Neutral	¥47.56B	11.20		2.91%	-16.07%	43.79%

Ehime Bank, Ltd. Corporate Events

Ehime Bank Announces Leadership Restructuring to Enhance Corporate Value

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.