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

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JP:8541

Ehime Bank, Ltd.

(8541)

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Outperform 71 (OpenAI - 4o)
Rating:71Outperform
Price Target:
¥1,322.00
▲(10.54% Upside)
Ehime Bank's strong valuation and revenue growth are key strengths, but challenges in profitability and limited technical momentum moderate the overall score.

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

Ehime Bank, Ltd. Business Overview & Revenue Model

Company DescriptionThe 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 MoneyEhime Bank generates revenue primarily through the interest income earned from loans issued to individuals and businesses. This is complemented by fees collected from various banking services, including account maintenance, transaction fees, and advisory services. The bank also earns income through its investment activities, including securities trading and asset management. Furthermore, partnerships with local businesses and government institutions enhance its service offerings and contribute to its earnings through cooperative financial products tailored for specific sectors within the community.

Ehime Bank, Ltd. Financial Statement Overview

Summary
Ehime Bank demonstrates strong revenue growth and a stable balance sheet, but faces challenges in maintaining profitability margins. The cash flow situation has improved, but the bank needs to focus on enhancing operational efficiency and profitability to sustain growth and shareholder returns.
Income Statement
75
Positive
Ehime Bank has shown a strong revenue growth rate of 20.83% in the most recent year, indicating robust top-line expansion. However, the net profit margin has decreased from 11.73% to 9.36%, suggesting some pressure on profitability. The EBIT and EBITDA margins have also declined, reflecting potential challenges in operational efficiency.
Balance Sheet
70
Positive
The bank maintains a moderate debt-to-equity ratio of 0.67, indicating a balanced approach to leveraging. However, the return on equity has slightly decreased to 4.22%, which may point to challenges in generating returns for shareholders. The equity ratio remains stable, suggesting a solid capital structure.
Cash Flow
65
Positive
Ehime Bank's cash flow position has improved significantly, with a positive free cash flow growth rate. The operating cash flow to net income ratio is 0.39, indicating a reasonable conversion of income to cash. However, the free cash flow to net income ratio of 0.96 suggests that most of the net income is being converted into free cash flow, leaving limited room for reinvestment.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue46.91B60.60B59.74B46.78B36.93B37.69B
Gross Profit46.91B47.31B47.56B42.24B35.45B39.15B
EBITDA5.99B9.41B8.76B9.99B10.48B7.79B
Net Income5.80B5.72B5.05B5.39B5.78B5.45B
Balance Sheet
Total Assets2.84T2.96T2.89T2.89T2.89T2.77T
Cash, Cash Equivalents and Short-Term Investments0.00269.08B204.90B218.00B339.77B286.27B
Total Debt105.95B91.13B72.74B95.58B129.63B79.31B
Total Liabilities2.71T2.83T2.75T2.76T2.75T2.61T
Stockholders Equity138.57B135.46B137.17B127.54B134.69B153.50B
Cash Flow
Free Cash Flow0.0013.00B-15.28B-76.84B82.33B37.91B
Operating Cash Flow0.0013.61B-24.97B-74.62B84.61B38.90B
Investing Cash Flow0.0020.82B13.02B-45.95B-24.34B-39.45B
Financing Cash Flow0.0055.73B-1.29B-1.17B-7.03B-4.69B

Ehime Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1196.00
Price Trends
50DMA
1177.61
Positive
100DMA
1095.28
Positive
200DMA
1072.95
Positive
Market Momentum
MACD
-4.35
Positive
RSI
54.95
Neutral
STOCH
64.98
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 1196 is above the 20-day moving average (MA) of 1182.98, above the 50-day MA of 1177.61, and above the 200-day MA of 1072.95, indicating a bullish trend. The MACD of -4.35 indicates Positive momentum. The RSI at 54.95 is Neutral, neither overbought nor oversold. The STOCH value of 64.98 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
¥58.82B8.183.58%7.21%-3.97%
78
Outperform
¥51.88B8.302.73%5.00%-10.64%
73
Outperform
¥49.24B8.002.80%10.04%-16.66%
72
Outperform
¥48.67B11.363.41%-12.00%28.81%
71
Outperform
¥45.17B7.782.84%-3.02%7.28%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
47
Neutral
¥52.12B7.441.46%3.90%-935.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8541
Ehime Bank, Ltd.
1,196.00
179.59
17.67%
JP:8344
Yamagata Bank, Ltd.
1,629.00
678.01
71.30%
JP:8362
Fukui Bank, Ltd.
2,103.00
320.62
17.99%
JP:8387
Shikoku Bank Ltd.
1,431.00
517.54
56.66%
JP:8395
Bank of Saga Ltd.
3,130.00
1,133.10
56.74%
JP:8550
Tochigi Bank, Ltd.
499.00
240.41
92.97%

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: Oct 21, 2025