Ehime Bank, Ltd. (JP:8541)
:8541
Want to see JP:8541 full AI Analyst Report?
Top Page
Ehime Bank, Ltd.
(8541)
Select Model
Select Model
Rating:69Neutral
Price Target:
¥1,800.00
▲(14.72% Upside)
Action:DowngradedDate:03/05/26
The score is primarily supported by solid financial performance (strong revenue growth and stable balance sheet) and attractive valuation (low P/E with a dividend). This is tempered by weaker technicals, with the stock trading below key short-term moving averages and only neutral momentum signals.
Positive Factors
Strong revenue growth
A 20.83% revenue gain signals durable top-line expansion driven by lending and fee income from retail, SMEs and local government clients. Sustained revenue growth enhances the bank's ability to build reserves, scale the loan book and fund strategic initiatives over months.
Negative Factors
Margin compression
Falling net and operating margins reduce earnings power per unit of revenue and signal rising cost or yield pressure. Sustained margin compression erodes ability to build capital, slows ROE recovery and constrains reinvestment in business capabilities over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
A 20.83% revenue gain signals durable top-line expansion driven by lending and fee income from retail, SMEs and local government clients. Sustained revenue growth enhances the bank's ability to build reserves, scale the loan book and fund strategic initiatives over months.
Read all positive factors
Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥69.39B
Dividend Yield2.34%
Average Volume (3M)70.85K
Price to Earnings (P/E)6.3
Beta (1Y)1.02
Revenue Growth1.06%
EPS Growth46.07%
CountryJP
Employees1,342
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)59.07
Shares Outstanding39,426,777
10 Day Avg. Volume67,690
30 Day Avg. Volume70,846
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)0.31
Price to Sales (P/S)0.69
P/FCF Ratio0.00
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 generates revenue primarily through interest income from loans and advances. The bank lends to individuals and businesses, charging interest on these loans, which constitutes a significant portion of its earnings. Additionally, the bank...
Ehime Bank, Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.91B | 60.60B | 59.74B | 46.78B | 36.93B | 37.69B |
| Gross Profit | 46.91B | 43.84B | 43.09B | 38.18B | 35.45B | 35.55B |
| EBITDA | 5.99B | 9.41B | 8.76B | 9.99B | 10.48B | 9.48B |
| Net Income | 5.80B | 5.71B | 5.05B | 5.39B | 5.78B | 5.45B |
Balance Sheet | ||||||
| Total Assets | 2.84T | 2.96T | 2.89T | 2.89T | 2.89T | 2.77T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 269.08B | 204.90B | 218.00B | 339.77B | 286.27B |
| Total Debt | 66.57B | 71.00B | 72.74B | 95.58B | 128.39B | 78.16B |
| Total Liabilities | 2.71T | 2.83T | 2.75T | 2.76T | 2.75T | 2.61T |
| Stockholders Equity | 138.57B | 135.45B | 137.16B | 127.54B | 134.69B | 153.50B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | -15.28B | -76.84B | 82.33B | 37.91B |
| Operating Cash Flow | 0.00 | 0.00 | -24.97B | -74.62B | 84.61B | 38.90B |
| Investing Cash Flow | 0.00 | 20.82B | 13.02B | -45.95B | -24.34B | -39.45B |
| Financing Cash Flow | 0.00 | 55.73B | -1.29B | -1.17B | -7.03B | -4.69B |
Ehime Bank, Ltd. Technical Analysis
Positive
1569.00
Price Trends
1722.79
Positive
1596.93
Positive
1364.90
Positive
Market Momentum
39.33
Negative
66.29
Neutral
92.06
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 1569 is below the 20-day moving average (MA) of 1663.41, below the 50-day MA of 1722.79, and above the 200-day MA of 1364.90, indicating a bullish trend. The MACD of 39.33 indicates Negative momentum. The RSI at 66.29 is Neutral, neither overbought nor oversold. The STOCH value of 92.06 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥105.19B | 1.54 | ― | 3.05% | 39.01% | 131.93% | |
75 Outperform | ¥168.77B | 7.55 | ― | 2.29% | 10.13% | 38.83% | |
69 Neutral | ¥69.39B | 6.31 | ― | 2.34% | 1.06% | 46.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥914.52B | 8.76 | ― | 2.10% | 2.96% | 39.35% | |
65 Neutral | ¥245.85B | 10.90 | ― | 2.53% | 11.64% | 28.24% | |
65 Neutral | ¥10.82B | 8.64 | ― | 2.74% | 14.07% | -99.32% |
* Financial Sector Average
JP:8541
Ehime Bank, Ltd.
1,790.00
810.33
82.71%
JP:5830
Iyogin Holdings,Inc.
3,015.00
1,506.99
99.93%
JP:8387
Shikoku Bank Ltd.
2,548.00
1,434.00
128.73%
JP:8388
Awa Bank, Ltd.
6,270.00
3,699.77
143.95%
JP:8393
Miyazaki Bank Ltd.
1,955.00
1,369.51
233.91%
JP:8416
Bank of Kochi, Ltd.
1,049.00
317.41
43.39%
Ehime Bank, Ltd. Corporate Events
Ehime Bank Delivers Strong Nine-Month Profit Growth and Lifts Dividend Outlook
Feb 2, 2026
The Ehime Bank reported solid earnings growth for the nine months ended 31 December 2025, with ordinary income rising 6.6% year on year to ¥50.3 billion, ordinary profit climbing 34.4% to ¥7.3 billion, and profit attributable to owners o...
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.