Bank of Kochi, Ltd. AI Stock Analysis
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Bank of Kochi, Ltd. (8416) AI Stock Analysis
Bank of Kochi, Ltd.
(TSE/TYO:8416)
The overall score of 44 reflects significant weaknesses in financial performance, particularly deteriorating profitability and a weakening balance sheet. Technical indicators are mixed, offering no strong bullish signal. Valuation is hampered by negative earnings. The bank needs to improve its profitability and capital structure to become more attractive.
Bank of Kochi, Ltd. (8416) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 9.18B
- Dividend Yield
- 2.69%
- Average Volume (3M)
- 41.58K
- Price to Earnings (P/E)
- 60.4
- Beta (1Y)
- 1.16
- Revenue Growth
- 16.28%
- EPS Growth
- 56.59%
- Country
- Japan
- Employees
- 724
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Bank of Kochi, Ltd. Business Overview & Revenue Model
Company Description
Established in 1930 and headquartered in Kochi, Japan, The Bank Of Kochi, Ltd. operates as a financial institution offering a diverse array of banking products and services across the country. Its comprehensive offerings include various deposit accou...
Bank of Kochi, Ltd. Financial Statement Overview
Summary
Revenue growth accelerated to 19.8% in FY2026, but profitability deteriorated with declining margins and net income. Balance sheet shows shrinking equity and rising leverage, while cash flow improved recently but lacks consistency. Overall financial health is weak.
Income Statement
47NeutralBalance Sheet
33NegativeCash Flow
51Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 28.49B | 26.50B | 22.02B | 21.40B | 21.25B | 20.53B |
| Gross Profit | 21.98B | 23.22B | 21.28B | 21.20B | 21.01B | 20.30B |
| EBITDA | 226.00M | 2.20B | 2.12B | 2.72B | 3.33B | 3.21B |
| Net Income | -251.00M | 596.00M | 860.00M | 1.25B | 1.60B | 1.61B |
Balance Sheet | ||||||
| Total Assets | 1.16T | 1.16T | 1.15T | 1.14T | 1.19T | 1.21T |
| Cash, Cash Equivalents and Short-Term Investments | 99.17B | 99.66B | 95.76B | 64.52B | 108.97B | 128.42B |
| Total Debt | 64.09B | 75.40B | 54.46B | 43.34B | 66.05B | 102.52B |
| Total Liabilities | 1.11T | 1.11T | 1.10T | 1.08T | 1.11T | 1.14T |
| Stockholders Equity | 45.17B | 45.90B | 50.70B | 58.65B | 73.77B | 71.32B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 8.69B | 0 | 0 | -32.97B | -35.05B |
| Operating Cash Flow | 0 | 9.56B | 0 | 0 | -31.98B | -34.28B |
| Investing Cash Flow | 0 | -5.61B | 6.28B | -5.94B | 6.11B | 2.49B |
| Financing Cash Flow | 0 | -314.00M | 2.90B | -17.96B | 6.35B | -462.00M |
Bank of Kochi, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8416, the sentiment is Negative. The current price of 930.00 is below the 20-day moving average (MA) of 990.55, below the 50-day MA of 1083.47, and below the 200-day MA of 1135.35, indicating a bearish trend. The MACD of -50.70 indicates Positive momentum. The RSI at 36.11 is Neutral, neither overbought nor oversold. The STOCH value of 46.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8416.
Bank of Kochi, Ltd. Peers Comparison
Overall Rating
JP:838780.5Outperform
JP:839978Outperform
JP:838876Outperform
JP:583073Outperform
JP:854162Neutral- JP:841644Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8387 | 81Outperform | JPY 150.65B | 8.62 | ― | 2.09% | 39.23% | 178.34% |
| JP:8399 | 78Outperform | JPY 114.53B | 11.50 | ― | 4.13% | 18.94% | 26.15% |
| JP:8388 | 76Outperform | JPY 384.83B | 21.24 | ― | 6.09% | 23.28% | 40.80% |
| JP:5830 | 73Outperform | JPY 993.31B | 11.91 | ― | 2.18% | 18.44% | 19.46% |
| JP:8541 | 62Neutral | JPY 131.67B | 13.16 | ― | 1.74% | 10.04% | 57.66% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8416 | 44Neutral | JPY 9.56B | 60.43 | ― | 2.69% | 16.28% | 56.59% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8416 | Bank of Kochi, Ltd. | 930.00 | 102.80 | 12.43% | |
| JP:5830 | Iyogin Holdings,Inc. | 3187.00 | 817.90 | 34.52% | |
| JP:8387 | Shikoku Bank Ltd. | 3595.00 | 2114.06 | 142.75% | |
| JP:8388 | Awa Bank, Ltd. | 1914.00 | 1155.62 | 152.38% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2663.00 | 1143.47 | 75.25% | |
| JP:8541 | Ehime Bank, Ltd. | 3275.00 | 2058.09 | 169.13% |
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: Aug 17, 2026