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Ehime Bank, Ltd. (8541) AI Stock Analysis
Ehime Bank, Ltd.
(TSE/TYO:8541)
The overall stock score is primarily driven by strong technical momentum and consistent revenue expansion. However, the score is notably constrained by a demanding sector valuation, a low dividend yield, and balance sheet risks associated with rising leverage.
Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 144.39B
- Dividend Yield
- 1.54%
- Average Volume (3M)
- 246.48K
- Price to Earnings (P/E)
- 20.0
- Beta (1Y)
- 0.97
- Revenue Growth
- 7.73%
- EPS Growth
- 24.05%
- Country
- Japan
- Employees
- 1,350
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Ehime Bank, Ltd. Business Overview & Revenue Model
Company Description
Operating within Japan, The Ehime Bank, Ltd. delivers a comprehensive array of banking and financial solutions. Its offerings encompass a wide range of deposit accounts, including standard savings, interest-free savings, checking accounts, foreign cu...
How the Company Makes Money
Ehime Bank makes money primarily through banking intermediation and fee-based services. 1) Net interest income (core earnings driver): The bank accepts deposits (and other forms of funding) and extends loans to customers such as local small and mid-s...
Ehime Bank, Ltd. Financial Statement Overview
Summary
Financial performance is supported by solid top-line revenue and net income growth, but offset by a highly leveraged balance sheet with rising debt and historically volatile cash flows.
Income Statement
82Very PositiveBalance Sheet
55NeutralCash Flow
45Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.52B | 66.98B | 60.60B | 59.74B | 46.78B | 36.93B |
| Gross Profit | 50.48B | 49.86B | 43.84B | 43.09B | 38.18B | 35.45B |
| EBITDA | 8.87B | 12.12B | 9.41B | 8.76B | 9.99B | 10.48B |
| Net Income | 7.21B | 7.21B | 5.71B | 5.05B | 5.39B | 5.78B |
Balance Sheet | ||||||
| Total Assets | 2.91T | 3.08T | 2.96T | 2.89T | 2.89T | 2.89T |
| Cash, Cash Equivalents and Short-Term Investments | 166.82B | 346.76B | 269.08B | 204.90B | 218.00B | 339.77B |
| Total Debt | 70.41B | 120.22B | 71.00B | 72.74B | 95.58B | 128.39B |
| Total Liabilities | 2.76T | 2.94T | 2.83T | 2.75T | 2.76T | 2.75T |
| Stockholders Equity | 144.74B | 144.14B | 135.45B | 137.16B | 127.54B | 134.69B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 8.06B | 0 | -15.28B | -76.84B | 82.33B |
| Operating Cash Flow | 0 | 9.16B | 0 | -24.97B | -74.62B | 84.61B |
| Investing Cash Flow | 0 | -37.05B | 20.82B | 13.02B | -45.95B | -24.34B |
| Financing Cash Flow | 0 | 103.85B | 55.73B | -1.29B | -1.17B | -7.03B |
Ehime Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8541, the sentiment is Positive. The current price of 3695.00 is above the 20-day moving average (MA) of 3465.00, above the 50-day MA of 3349.05, and above the 200-day MA of 2294.78, indicating a bullish trend. The MACD of 81.50 indicates Negative momentum. The RSI at 65.09 is Neutral, neither overbought nor oversold. The STOCH value of 91.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8541.
Ehime Bank, Ltd. Peers Comparison
Overall Rating
JP:583081Outperform
JP:838780.5Outperform
JP:838876Outperform
JP:839375Outperform- JP:854167Neutral
JP:841650Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:5830 | 81Outperform | JPY 1.00T | 14.13 | ― | 2.12% | 13.26% | 3.10% |
| JP:8387 | 81Outperform | JPY 161.13B | 9.40 | ― | 1.91% | 36.24% | 144.55% |
| JP:8388 | 76Outperform | JPY 395.77B | 22.10 | ― | 5.85% | 23.28% | 40.80% |
| JP:8393 | 75Outperform | JPY 210.22B | 13.81 | ― | 2.03% | 8.31% | 47.11% |
| JP:8541 | 67Neutral | JPY 144.37B | 20.04 | ― | 1.54% | 7.73% | 24.05% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8416 | 50Neutral | JPY 10.41B | -33.63 | ― | 2.43% | 20.60% | -182.73% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8541 | Ehime Bank, Ltd. | 3695.00 | 2475.17 | 202.91% | |
| JP:5830 | Iyogin Holdings,Inc. | 3303.00 | 944.19 | 40.03% | |
| JP:8387 | Shikoku Bank Ltd. | 3920.00 | 2497.71 | 175.61% | |
| JP:8388 | Awa Bank, Ltd. | 1991.00 | 1279.53 | 179.84% | |
| JP:8393 | Miyazaki Bank Ltd. | 2465.00 | 1556.11 | 171.21% | |
| JP:8416 | Bank of Kochi, Ltd. | 1028.00 | 160.71 | 18.53% |
Ehime Bank, Ltd. Corporate Events
Ehime Bank Corrects Disclosure on Capital Link to Iyogin Holdings Ahead of Integration
Ehime Bank, Ltd., a regional Japanese commercial bank listed on the Tokyo Stock Exchange Prime Market, provides banking services to retail and corporate clients in Ehime Prefecture and maintains ordinary interbank dealings with other domestic financi...
Ehime Bank lifts quarterly income, keeps outlook as full-year profit seen lower
Ehime Bank reported a 15% rise in ordinary income to ¥17.6 billion and a 6.8% gain in ordinary profit to ¥2.7 billion for the quarter ended June 30, 2026, while profit attributable to owners of the parent dipped slightly to ¥1.73 billi...
Iyogin Holdings and Ehime Bank Form Committee to Prepare 2027 Business Integration
Iyogin Holdings, Inc. and The Ehime Bank, Ltd. have established an Integration Preparatory Committee to advance their planned business integration scheduled for April 1, 2027. The committee is co-chaired by the top executives of both firms, with seni...
Iyogin Holdings and Ehime Bank Sign Basic Agreement for Regional Banking Integration
Iyogin Holdings and The Ehime Bank, both based in Ehime Prefecture, have long positioned themselves as community-focused regional lenders, emphasizing support for local industry, regional development, and customer-centric service. Operating in a regi...
Ehime Bank Confirms Board Review of Potential Integration with Iyogin Holdings
The Ehime Bank, Ltd., a regional bank listed on the Tokyo Stock Exchange Prime Market, focuses on traditional banking services including deposits and loans for customers in Ehime Prefecture and nearby regions. As a regional lender, it plays a key rol...
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 26, 2026