Yamagata Bank, Ltd. (8344) AI Stock Analysis

• Market Cap: ¥37.57B
• Dividend Yield: 3.68%
• Average Volume (3M): 125.68K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.77
• Revenue Growth: -16.07%
• EPS Growth: 43.79%
• Country: JP
• Employees: 1,175
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 105.80
• Shares Outstanding: 32,216,114
• 10 Day Avg. Volume: 55,660
• 30 Day Avg. Volume: 125,679
• PEG Ratio: 0.26
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• 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

Yamagata Bank's overall stock score reflects a cautious outlook. Key concerns include challenges in maintaining revenue growth and liquidity management. The stock's reasonable valuation and attractive dividend yield provide some positive factors. However, technical analysis suggests recent downward momentum, warranting a conservative approach.

Yamagata Bank, Ltd. Business Overview & Revenue Model

Company Description

Yamagata Bank, Ltd. (8344) is a regional bank headquartered in Yamagata Prefecture, Japan. It primarily operates in the banking sector, providing a range of financial services that include retail and corporate banking, asset management, and financial advisory services. The bank serves individual, small and medium-sized enterprises (SMEs), and corporate customers, focusing on traditional banking products such as deposits, loans, and credit facilities.

How the Company Makes Money

Yamagata Bank, Ltd. generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and business loans. The bank also earns income from fees and commissions associated with its various banking services, such as account maintenance fees, transaction fees, and advisory fees for financial services. Additionally, the bank invests in securities and other financial instruments, generating income from dividends and capital gains. Partnerships with other financial institutions and businesses allow the bank to expand its service offerings and client base, contributing to its overall earnings.

Yamagata Bank, Ltd. Financial Statement Overview

Summary

Yamagata Bank shows a mixed financial performance. The income statement indicates challenges in sustaining revenue growth, with a modest improvement in net profit margin. The balance sheet reflects a reasonable leverage position but declining equity and increasing liabilities pose risks. Cash flows are concerning due to negative free cash flow, highlighting potential liquidity issues.

Income Statement

The company's revenue has decreased in the TTM compared to the prior year, indicating a negative growth trend. Gross profit margin is relatively stable, but net profit margin shows a modest improvement. EBIT margin is strong, suggesting effective cost control. However, EBITDA margin's significance is limited due to low EBITDA values in the TTM.

Balance Sheet

The bank maintains a healthy equity ratio, indicating a solid capital base. The debt-to-equity ratio is moderate, reflecting a balanced use of leverage. However, the declining stockholders' equity and increasing total liabilities suggest potential risk if this trend continues.

Cash Flow

The cash flow statement reflects significant volatility. Negative free cash flow in the TTM raises concerns about liquidity management. The operating cash flow to net income ratio is unavailable, limiting the analysis of cash generation efficiency.

Breakdown
Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
48.99B	44.88B	40.35B	37.29B	39.33B
	Gross Profit
48.99B	44.88B	40.35B	37.29B	39.33B
	EBIT
28.43B	3.11B	3.50B	2.57B	3.12B
	EBITDA
0.00	6.88B	7.23B	5.95B	5.82B
	Net Income Common Stockholders
2.08B	3.44B	3.40B	2.85B	2.54B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
197.12B	249.80B	646.47B	394.59B	86.12B
	Total Assets
3.15T	3.14T	3.54T	3.13T	2.65T
	Total Debt
134.51B	133.21B	505.94B	260.06B	33.09B
	Net Debt
-197.12B	-116.59B	-140.53B	-134.53B	-53.03B
	Total Liabilities
3.00T	140.29B	3.38T	2.97T	2.51T
	Stockholders Equity
143.63B	133.55B	155.46B	161.65B	147.54B
Cash Flow		Free Cash Flow
-147.49B	-471.44B	445.89B	438.09B	96.80B
	Operating Cash Flow
-158.70B	-469.31B	450.23B	440.20B	100.03B
	Investing Cash Flow
94.19B	75.43B	-194.68B	-132.94B	-96.69B
	Financing Cash Flow
12.22B	-1.21B	-1.54B	-981.00M	-12.16B

Yamagata Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1222.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8344, the sentiment is Neutral. The current price of 1222 is above the 20-day moving average (MA) of 1216.55, below the 50-day MA of 1321.27, and above the 200-day MA of 1100.83, indicating a neutral trend. The MACD of -14.76 indicates Negative momentum. The RSI at 43.15 is Neutral, neither overbought nor oversold. The STOCH value of 49.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8344.

Yamagata Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$862.50B	12.91	5.72%	3.12%	9.55%	9.39%
8334	69 Neutral	¥431.81B	11.16	6.82%	3.88%	-4.47%	30.59%
8524	66 Neutral	¥183.41B	11.75		3.39%	9.37%	72.56%
8359	65 Neutral	¥488.38B	13.35	3.41%	3.63%	16.68%	1.73%
Sector *	64 Neutral	$12.61B	9.78	8.01%	16985.69%	12.73%	-4.58%
8344	52 Neutral	¥37.57B	11.55		3.68%	-16.07%	43.79%