Ehime Bank, Ltd. (JP:8541)
:8541
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Ehime Bank, Ltd.
(8541)
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Rating:75Outperform
Price Target:
¥2,152.00
▲(37.16% 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 growth and rising net income over multiple years indicate durable demand for core banking products in the regional market. This trend supports continued scale for interest income and fee businesses, improving capacity to absorb shocks and invest in local client relationships.
Negative Factors
Sharp debt increase in 2026
A large jump in total debt raises funding and leverage risk, narrowing the buffer between obligations and capital. If profitability or asset quality softens, higher debt amplifies downside, increases interest expense sensitivity, and may constrain lending or require capital raising over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & earnings momentum
Sustained top-line growth and rising net income over multiple years indicate durable demand for core banking products in the regional market. This trend supports continued scale for interest income and fee businesses, improving capacity to absorb shocks and invest in local client relationships.
Read all positive factors
Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥77.99B
Dividend Yield2.34%
Average Volume (3M)70.85K
Price to Earnings (P/E)8.4
Beta (1Y)1.04
Revenue Growth3.68%
EPS Growth26.06%
CountryJP
Employees1,342
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)148.64
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
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, certifi...
How the Company Makes Money
Ehime Bank primarily earns money through (1) net interest income and (2) non-interest income. Net interest income is generated by collecting interest on loans and other interest-bearing assets and paying interest on customer deposits and other fun...
Ehime Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.91B | 66.98B | 60.60B | 59.74B | 46.78B | 36.93B |
| Gross Profit | 46.91B | 49.86B | 43.84B | 43.09B | 38.18B | 35.45B |
| EBITDA | 5.99B | 12.12B | 9.41B | 8.76B | 9.99B | 10.48B |
| Net Income | 5.80B | 7.21B | 5.71B | 5.05B | 5.39B | 5.78B |
Balance Sheet | ||||||
| Total Assets | 2.84T | 3.08T | 2.96T | 2.89T | 2.89T | 2.89T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 346.76B | 269.08B | 204.90B | 218.00B | 339.77B |
| Total Debt | 66.57B | 120.22B | 71.00B | 72.74B | 95.58B | 128.39B |
| Total Liabilities | 2.71T | 2.94T | 2.83T | 2.75T | 2.76T | 2.75T |
| Stockholders Equity | 138.57B | 144.14B | 135.45B | 137.16B | 127.54B | 134.69B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.06B | 0.00 | -15.28B | -76.84B | 82.33B |
| Operating Cash Flow | 0.00 | 9.16B | 0.00 | -24.97B | -74.62B | 84.61B |
| Investing Cash Flow | 0.00 | -37.05B | 20.82B | 13.02B | -45.95B | -24.34B |
| Financing Cash Flow | 0.00 | 103.85B | 55.73B | -1.29B | -1.17B | -7.03B |
Ehime Bank, Ltd. Technical Analysis
Positive
1569.00
Price Trends
1722.73
Positive
1693.72
Positive
1442.94
Positive
Market Momentum
66.01
Negative
68.88
Neutral
69.21
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 1840.25, below the 50-day MA of 1722.73, and above the 200-day MA of 1442.94, indicating a bullish trend. The MACD of 66.01 indicates Negative momentum. The RSI at 68.88 is Neutral, neither overbought nor oversold. The STOCH value of 69.21 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥77.99B | 8.35 | ― | 2.34% | 3.68% | 26.06% | |
71 Outperform | ¥115.26B | 5.37 | ― | 3.05% | 49.84% | 156.03% | |
71 Outperform | ¥268.73B | 14.34 | ― | 2.53% | 16.63% | 19.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥959.67B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
65 Neutral | ¥174.91B | 10.12 | ― | 2.29% | 9.41% | 45.91% | |
60 Neutral | ¥13.13B | 17.45 | ― | 2.74% | 17.43% | -35.15% |
* Financial Sector Average
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Ehime Bank, Ltd. Corporate Events
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.