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Yamanashi Chuo Bank, Ltd.
(8360)
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Rating:66Neutral
Price Target:
¥7,938.00
▲(85.03% Upside)
Action:Reiterated
Date:07/18/26
The score is driven primarily by improving profitability but tempered by meaningful cash flow volatility and modest returns on equity. Technicals are supportive with positive trend/momentum (though near overbought), while valuation is neutral with a mid-range P/E and a modest dividend yield.
Positive Factors
Improving profitability
The sustained increase in net income indicates stronger earnings capacity and improving operating performance. If maintained, higher profits can support capital formation, resilience against credit losses, and continued investment in the bank’s regional franchise.
Negative Factors
Volatile revenue trends
Uneven revenue performance reduces visibility into the bank’s underlying growth trajectory. Repeated declines followed by sharp rebounds may reflect sensitivity to regional demand, interest rates, or securities income, limiting confidence in steady expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
The sustained increase in net income indicates stronger earnings capacity and improving operating performance. If maintained, higher profits can support capital formation, resilience against credit losses, and continued investment in the bank’s regional franchise.
Read all positive factors
Yamanashi Chuo Bank, Ltd. (8360) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥232.46B
Dividend Yield1.78%
Average Volume (3M)78.40K
Price to Earnings (P/E)19.5
Beta (1Y)1.35
Revenue Growth30.03%
EPS Growth47.48%
CountryJP
Employees1,649
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)376.11
Shares Outstanding32,783,000
10 Day Avg. Volume86,400
30 Day Avg. Volume78,403
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)0.68
Price to Sales (P/S)1.90
P/FCF Ratio18.02
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
Yamanashi Chuo Bank, Ltd. Business Overview & Revenue Model
Company Description
The Yamanashi Chuo Bank, Ltd. and its affiliates deliver a broad spectrum of financial solutions to individual and business clients primarily across Japan's Yamanashi Prefecture and western Tokyo. The bank's core activities involve accepting depos...
How the Company Makes Money
Yamanashi Chuo Bank, Ltd. generates revenue primarily through a traditional commercial banking model. Key earnings drivers generally include: (1) Net interest income: the spread between interest earned on loans and securities and interest paid on ...
Yamanashi Chuo Bank, Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
57
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.79B | 83.75B | 59.40B | 54.82B | 59.82B | 44.66B |
| Gross Profit | 77.94B | 73.22B | 55.12B | 54.49B | 57.35B | 43.80B |
| EBITDA | 15.96B | 16.13B | 12.75B | 9.55B | 9.53B | 7.92B |
| Net Income | 11.54B | 9.99B | 7.67B | 5.66B | 5.06B | 4.24B |
Balance Sheet | ||||||
| Total Assets | 4.68T | 4.58T | 4.53T | 4.37T | 4.38T | 4.47T |
| Cash, Cash Equivalents and Short-Term Investments | 336.10B | 289.77B | 554.86B | 695.77B | 896.64B | 895.50B |
| Total Debt | 369.78B | 491.61B | 639.48B | 583.45B | 753.83B | 1.19T |
| Total Liabilities | 4.44T | 4.35T | 4.31T | 4.15T | 4.19T | 4.26T |
| Stockholders Equity | 239.94B | 233.11B | 212.78B | 217.40B | 190.88B | 208.46B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.83B | 31.41B | -292.66B | -296.08B | 266.32B |
| Operating Cash Flow | 0.00 | 10.59B | 32.57B | -290.77B | -293.88B | 267.98B |
| Investing Cash Flow | 0.00 | -308.19B | -124.53B | 92.62B | 297.56B | -112.07B |
| Financing Cash Flow | 0.00 | 25.90B | -15.09B | -62.50B | -2.63B | -1.12B |
Yamanashi Chuo Bank, Ltd. Technical Analysis
Positive
4290.00
Price Trends
6678.80
Positive
6214.40
Positive
5309.12
Positive
Market Momentum
163.59
Positive
58.68
Neutral
37.28
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 4290 is below the 20-day moving average (MA) of 7073.00, below the 50-day MA of 6678.80, and below the 200-day MA of 5309.12, indicating a bullish trend. The MACD of 163.59 indicates Positive momentum. The RSI at 58.68 is Neutral, neither overbought nor oversold. The STOCH value of 37.28 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
88 Outperform | ¥210.33B | 11.88 | ― | 2.63% | 13.91% | 76.61% | |
73 Outperform | ¥210.56B | 13.90 | ― | 2.29% | 8.31% | 47.11% | |
72 Outperform | ¥214.27B | 18.21 | ― | 2.96% | 23.09% | 35.52% | |
69 Neutral | ¥221.44B | 19.44 | 4.59% | 1.22% | 25.47% | 54.85% | |
68 Neutral | ¥244.24B | 17.25 | ― | 2.23% | 30.35% | 66.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥232.46B | 19.52 | ― | 2.56% | 30.03% | 47.48% |
* Financial Sector Average
JP:8360
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Yamanashi Chuo Bank, Ltd. Corporate Events
Yamanashi Chuo Bank Boosts Quarterly Profit and Plans Five-for-One Stock Split
Aug 3, 2026
Yamanashi Chuo Bank reported a sharp year-on-year improvement in performance for the three months ended June 30, 2026, with ordinary income rising 36.1% to ¥24.48 billion and ordinary profit climbing 45.4% to ¥6.87 billion. Profit attrib...
Yamanashi Chuo Bank Announces 5-for-1 Stock Split and Aligns Shareholder Benefits and Dividends
Jul 31, 2026
Yamanashi Chuo Bank will implement a five-for-one split of its common shares effective October 1, 2026, increasing issued shares from 32,783,000 to 163,915,000 to lower the investment unit and improve liquidity. In line with this move, the bank wi...
Yamanashi Chuo Bank Completes Restricted Stock Remuneration Share Disposal
Jul 31, 2026
Yamanashi Chuo Bank has completed payment for the disposal of 7,600 shares of its treasury stock to be used as restricted stock remuneration for internal directors and executive officers. The transaction, totaling about 49.5 million yen at 6,510 y...
Yamanashi Chuo Bank to Grant Treasury Shares as Restricted Stock to Management
Jul 13, 2026
Yamanashi Chuo Bank has approved the disposal of 7,600 treasury shares of common stock as restricted stock remuneration for six internal directors and 14 executive officers. The shares, priced at 6,510 yen each for a total of 49.48 million yen, fo...
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.