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

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Yamanashi Chuo Bank, Ltd.

(TSE/TYO:8360)

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Rating:74Outperform

Price Target:JPY 1,440.00▲(13.65% Upside)

Action:reiterated

Date:09/30/26

The bank's strong and improving financial performance, particularly its revenue growth and profitability, is the primary driver of the score. The stock's bullish technical trend provides additional support. The high dividend yield is a notable positive, though the moderate P/E and thin capital cushion on the balance sheet temper the overall assessment.

Positive Factors

Improving ProfitabilityThe sustained increase in net income indicates improving earnings power across the reported period, while healthy margins provide evidence that profitability is not dependent solely on revenue expansion. This strengthens the bank’s capacity to reinvest, absorb credit costs, and support future growth.

Negative Factors

Revenue VolatilityThe uneven revenue pattern reduces confidence in the consistency of the bank’s underlying growth trajectory. Repeated declines can make earnings planning and resource allocation more difficult, while the latest rebound still needs to prove durable before it can offset the earlier volatility.

Yamanashi Chuo Bank, Ltd. (8360) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 196.38B
Dividend Yield: 7.46%
Average Volume (3M): 754.16K
Price to Earnings (P/E): 16.9
Beta (1Y): 1.53
Revenue Growth: 30.03%
EPS Growth: 47.48%
Country: Japan
Employees: 1,649
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 deposits...

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 cus...

Yamanashi Chuo Bank, Ltd. Financial Statement Overview

Summary

Strong income statement with consistent earnings growth and margin expansion, offset by a modest equity cushion and historically volatile cash flows. Overall financial health is good and trending positively.

Income Statement

85Very Positive

Balance Sheet

70Positive

Cash Flow

70Positive

Financial statement breakdown
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	8.83B	31.41B	-292.66B	-296.08B	266.32B
Operating Cash Flow	0	10.59B	32.57B	-290.77B	-293.88B	267.98B
Investing Cash Flow	0	-308.19B	-124.53B	92.62B	297.56B	-112.07B
Financing Cash Flow	0	25.90B	-15.09B	-62.50B	-2.63B	-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

Technical Analysis SentimentPositive

Last Price1267.00

Price Trends

50DMA1384.52Negative

100DMA1350.67Negative

200DMA1205.75Positive

Market Momentum

MACD-48.14Negative

RSI48.37Neutral

STOCH54.48Neutral

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 1267.00 is below the 20-day moving average (MA) of 1268.15, below the 50-day MA of 1384.52, and above the 200-day MA of 1205.75, indicating a neutral trend. The MACD of -48.14 indicates Negative momentum. The RSI at 48.37 is Neutral, neither overbought nor oversold. The STOCH value of 54.48 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:8360 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7184	83Outperform	JPY 189.14B	11.04	―	3.03%	15.97%	68.21%
JP:8346	79Outperform	JPY 229.12B	16.29	―	2.45%	63.98%	60.28%
JP:8360	74Outperform	JPY 202.42B	16.91	―	7.46%	30.03%	47.48%
JP:8393	68Neutral	JPY 205.45B	14.06	―	2.24%	9.60%	33.99%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8392	66Neutral	JPY 208.02B	15.46	5.27%	1.52%	24.51%	62.67%
JP:7322	59Neutral	JPY 185.95B	16.08	―	2.26%	23.09%	35.52%

* Financial Sector Average

Performance Comparison

JP:8360 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8360	Yamanashi Chuo Bank, Ltd.	1267.00	590.61	87.32%
JP:8392	Oita Bank	2666.00	1609.20	152.27%
JP:7184	First Bank of Toyama Ltd.	3095.00	1572.92	103.34%
JP:7322	San ju San Financial Group, Inc.	1832.00	898.18	96.18%
JP:8346	Toho Bank, Ltd.	920.00	457.46	98.90%
JP:8393	Miyazaki Bank Ltd.	2475.00	1456.42	142.98%

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: Sep 30, 2026

Yamanashi Chuo Bank, Ltd. AI Stock Analysis