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

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JP:8360

Yamanashi Chuo Bank, Ltd.

(TSE/TYO:8360)

Select Model
Rating:77Outperform
Price Target:JPY 1,418.00â–²(13.53% Upside)
Action:reiterated
Date:09/30/26

The overall score of 77 is primarily driven by strong upward technical momentum and a highly attractive 10.3% dividend yield. Fundamentally, the bank benefits from stellar earnings growth and a strengthening balance sheet, though investors should continue to monitor the historical volatility in cash flow generation.

Positive Factors
Profitability improvementThe sustained rise in net income indicates that the bank has improved its earnings capacity over several years, while healthy margins provide evidence of operating profitability. This creates a stronger base for internal capital formation and continued investment in customer services.
Negative Factors
Elevated leverage and modest ROEElevated leverage increases sensitivity to funding and credit cycles, while modest returns on equity show that the capital base is not producing especially strong profitability. Together, these factors can constrain resilience and limit the efficiency of future growth.

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

-25%0%25%50%75%100%125%150%JP:8360+93.01%EWJ+16.06%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
JPY 191.63B
Dividend Yield
7.68%
Average Volume (3M)
734.37K
Price to Earnings (P/E)
16.6
Beta (1Y)
1.54
Revenue Growth
30.38%
EPS Growth
34.89%
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

Yamanashi Chuo Bank presents a fundamentally sound profile with stellar revenue and earnings growth. The balance sheet is well-managed with expanding equity and declining debt, though unpredictable and recently contracting cash flows present a notable risk.

Income Statement

88Very Positive

Balance Sheet

72Positive

Cash Flow

54Neutral
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue89.79B83.75B59.40B54.82B59.82B44.66B
Gross Profit77.94B73.22B55.12B54.49B57.35B43.80B
EBITDA15.96B16.13B12.75B9.55B9.53B7.92B
Net Income11.54B9.99B7.67B5.66B5.06B4.24B
Balance Sheet
Total Assets4.68T4.58T4.53T4.37T4.38T4.47T
Cash, Cash Equivalents and Short-Term Investments336.10B289.77B554.86B695.77B896.64B895.50B
Total Debt369.78B491.61B639.48B583.45B753.83B1.19T
Total Liabilities4.44T4.35T4.31T4.15T4.19T4.26T
Stockholders Equity239.94B233.11B212.78B217.40B190.88B208.46B
Cash Flow
Free Cash Flow08.83B31.41B-292.66B-296.08B266.32B
Operating Cash Flow010.59B32.57B-290.77B-293.88B267.98B
Investing Cash Flow0-308.19B-124.53B92.62B297.56B-112.07B
Financing Cash Flow025.90B-15.09B-62.50B-2.63B-1.12B

Yamanashi Chuo Bank, Ltd. Technical Analysis

Technical Analysis SentimentNeutral
Last Price1249.00

Price Trends

50DMA1376.43Negative
100DMA1351.80Negative
200DMA1208.87Positive

Market Momentum

MACD-40.65Negative
RSI45.09Neutral
STOCH73.58Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8360, the sentiment is Neutral. The current price of 1249.00 is below the 20-day moving average (MA) of 1261.10, below the 50-day MA of 1376.43, and above the 200-day MA of 1208.87, indicating a neutral trend. The MACD of -40.65 indicates Negative momentum. The RSI at 45.09 is Neutral, neither overbought nor oversold. The STOCH value of 73.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8360.

Yamanashi Chuo Bank, Ltd. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

JP:8360 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:7184JP:718483OutperformJPY 192.88B11.54―3.13%15.97%68.21%
JP:8360JP:836077OutperformJPY 206.66B16.60―7.68%30.38%34.89%
JP:8346JP:834675OutperformJPY 231.89B15.66―2.50%63.98%60.28%
JP:8393JP:839368NeutralJPY 211.07B13.24―2.33%9.60%33.99%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
JP:8392JP:839266NeutralJPY 207.95B15.145.27%1.58%24.51%62.67%
JP:7322JP:732259NeutralJPY 191.49B15.71―2.32%25.55%57.33%

* Financial Sector Average

Performance Comparison

0%50%100%150%200%JP:8360JP:8392JP:7184JP:7322JP:8346JP:8393Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
JP:8360 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:8360Yamanashi Chuo Bank, Ltd.1249.00585.3088.19%
JP:8392Oita Bank 2656.001620.85156.58%
JP:7184First Bank of Toyama Ltd.3100.001570.17102.64%
JP:7322San ju San Financial Group, Inc.1813.00886.5195.68%
JP:8346Toho Bank, Ltd.919.00455.4898.27%
JP:8393Miyazaki Bank Ltd.2450.001435.33141.46%

Yamanashi Chuo Bank, Ltd. Corporate Events

Yamanashi Chuo Bank Reports Six-Month Results Through September 2026

Nov 13, 2026

Yamanashi Chuo Bank, a bank listed on the Prime Market of the Tokyo Stock Exchange, reported income from loans and securities-related activities for the six months ended September 30, 2026. Consolidated ordinary income rose 55.9% year on year to ¥56,...

Yamanashi Chuo Bank Reports Six-Month Consolidated Results

Nov 13, 2026

For the six months ended September 30, 2026, consolidated ordinary income was ¥56,805 million, up 55.9% year over year, while ordinary profit reached ¥10,918 million, up 80.5%. Profit attributable to owners of the parent was ¥6,511 million, an increa...

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