Yamanashi Chuo Bank, Ltd. (8360) AI Stock Analysis

• Market Cap: ¥106.00B
• Dividend Yield: 3.12%
• Average Volume (3M): 78.40K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 1.18
• Revenue Growth: 8.18%
• EPS Growth: 25.89%
• Country: JP
• Employees: 1,594
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 104.69
• Shares Outstanding: 32,783,000
• 10 Day Avg. Volume: 86,400
• 30 Day Avg. Volume: 78,403
• PEG Ratio: 0.24
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 1.18
• P/FCF Ratio: 2.09
• 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: ¥3,451.00
• Price Target Upside: 6.18% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ¥3,451.00 ▲(6.18% Upside)

Yamanashi Chuo Bank's stock is supported by strong technical indicators and a reasonable valuation, making it attractive for investors. However, financial performance is moderated by high leverage and cash flow challenges, which are potential risks that need addressing.

Yamanashi Chuo Bank, Ltd. Business Overview & Revenue Model

Company Description

The Yamanashi Chuo Bank, Ltd., together with its subsidiaries, provides financial services to individual and corporate customers in Yamanashi Prefecture and western Tokyo, Japan. It accepts deposits; and provides loans. The company also offers insurance products, loan guarantees, investment trust and leasing services, credit cards, call loans and call money, and consulting and economic research services, as well as corporate bond underwriting services. In addition, it is involved in the asset management activities; securities trading business; provision of foreign exchange operations; short-term fundraising; and provision of over-the-counter sale of public bonds, such as Japanese government bonds. The company operates through a network of 90 branches, including 1 Internet branch and 2 district offices; and 1 representative office in Hong Kong. The Yamanashi Chuo Bank, Ltd. was founded in 1941 and is headquartered in Kofu, Japan.

How the Company Makes Money

Yamanashi Chuo Bank generates revenue primarily through interest income from loans and advances made to individuals and businesses, which form a significant portion of its earnings. The bank also earns income from fees and commissions related to various banking services, such as account maintenance, transaction processing, and asset management services. Additionally, investment income from securities and other financial instruments contributes to its overall revenue. Strategic partnerships with local businesses and government agencies further enhance its service offerings and client base, allowing the bank to leverage local economic activities for sustained profit generation.

Yamanashi Chuo Bank, Ltd. Financial Statement Overview

Summary

Yamanashi Chuo Bank shows solid revenue growth and profitability with a strong net profit margin. However, high leverage and moderate cash flow ratios indicate potential risks. The bank should focus on improving operational efficiency and cash flow generation to enhance financial stability.

Income Statement

Yamanashi Chuo Bank has demonstrated consistent revenue growth with a 1.66% increase in the latest year, following a decline in previous years. The net profit margin improved to 14.08%, indicating strong profitability. However, the EBIT margin is relatively low at 10.39%, suggesting room for operational efficiency improvements.

Balance Sheet

The bank's debt-to-equity ratio is high at 3.01, indicating significant leverage, which could pose risks in volatile markets. Return on equity is modest at 3.60%, reflecting moderate profitability relative to equity. The equity ratio is stable, suggesting a balanced asset structure.

Cash Flow

The bank's free cash flow has shown significant improvement, but the operating cash flow to net income ratio is low at 0.21, indicating potential challenges in cash generation relative to earnings. The free cash flow to net income ratio is strong at 0.96, showing effective cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	58.14B	55.84B	55.06B	58.15B	43.93B	47.18B
Gross Profit	58.14B	54.71B	55.06B	56.68B	43.56B	46.80B
EBITDA	7.91B	12.75B	9.55B	9.53B	7.92B	6.23B
Net Income	7.79B	7.67B	5.66B	5.06B	4.24B	3.09B
Balance Sheet
Total Assets	4.78T	4.53T	4.37T	4.38T	4.47T	4.19T
Cash, Cash Equivalents and Short-Term Investments	0.00	554.86B	695.77B	896.64B	895.50B	740.60B
Total Debt	680.51B	639.48B	449.20B	593.86B	700.05B	473.05B
Total Liabilities	4.55T	4.31T	4.15T	4.19T	4.26T	3.96T
Stockholders Equity	222.15B	212.78B	217.40B	190.88B	208.46B	218.68B
Cash Flow
Free Cash Flow	0.00	31.41B	-292.66B	-296.08B	266.32B	444.36B
Operating Cash Flow	0.00	32.57B	-290.77B	-293.88B	267.98B	446.42B
Investing Cash Flow	0.00	-124.53B	92.62B	297.56B	-112.07B	-62.01B
Financing Cash Flow	0.00	-15.09B	-62.50B	-2.63B	-1.12B	-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3250.00
• 50DMA: Positive
• 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:8360, the sentiment is Positive. The current price of 3250 is above the 20-day moving average (MA) of 3163.21, above the 50-day MA of 3073.89, and above the 200-day MA of 2418.47, indicating a bullish trend. The MACD of 48.47 indicates Negative momentum. The RSI at 61.13 is Neutral, neither overbought nor oversold. The STOCH value of 67.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8360.

Yamanashi Chuo Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7184	79 Outperform	¥94.62B	8.78	―	3.31%	25.33%	5.53%
7322	77 Outperform	¥92.24B	10.41	―	3.59%	15.39%	24.95%
8346	75 Outperform	¥114.94B	12.95	―	2.01%	25.01%	51.67%
7350	74 Outperform	¥79.93B	9.08	―	3.20%	8.97%	36.69%
8360	73 Outperform	¥106.00B	12.43	―	3.12%	8.18%	25.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	66 Neutral	¥97.34B	11.01	―	0.60%	6.57%	13.25%

Yamanashi Chuo Bank, Ltd. Corporate Events

Yamanashi Chuo Bank Joins Mt. Fuji ･Alps Alliance for Regional Growth

Yamanashi Chuo Bank, Shizuoka Bank, and Hachijuni Bank have formed a comprehensive business alliance named the Mt. Fuji ･Alps Alliance, expanding the existing Shizuoka Yamanashi Alliance. This collaboration aims to leverage mutual strengths to address social challenges, enhance regional growth, and increase revenue opportunities, while maintaining the management independence of each bank.