Ehime Bank, Ltd. (8541) AI Stock Analysis

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Ehime Bank, Ltd.

(TSE/TYO:8541)

Select Model

Rating:67Neutral

Price Target:JPY 3,553.00▲(8.49% Upside)

Action:reiterated

Date:09/26/26

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.

Positive Factors

Revenue GrowthRevenue growth of this magnitude indicates expanding earnings capacity and stronger business activity over several years. For a regional bank, a larger revenue base can support continued investment in customer relationships and services while improving operating leverage if costs remain controlled.

Negative Factors

Higher DebtThe sharp year-over-year debt increase raises funding and leverage risk, even though leverage had improved in prior periods. Higher obligations can increase sensitivity to profitability or credit deterioration and may constrain the bank’s flexibility in allocating capital during weaker conditions.

Ehime Bank, Ltd. (8541) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 129.34B
Dividend Yield: 1.74%
Average Volume (3M): 241.70K
Price to Earnings (P/E): 13.2
Beta (1Y): 1.16
Revenue Growth: 10.04%
EPS Growth: 57.66%
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 Positive

Balance Sheet

55Neutral

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	70.06B	66.98B	60.60B	59.74B	46.78B	36.93B
Gross Profit	51.81B	49.86B	43.84B	43.09B	38.18B	35.45B
EBITDA	13.93B	12.12B	9.41B	8.76B	9.99B	10.48B
Net Income	9.72B	7.21B	5.71B	5.05B	5.39B	5.78B
Balance Sheet
Total Assets	3.04T	3.08T	2.96T	2.89T	2.89T	2.89T
Cash, Cash Equivalents and Short-Term Investments	323.22B	346.76B	269.08B	204.90B	218.00B	339.77B
Total Debt	91.99B	120.22B	71.00B	72.74B	95.58B	128.39B
Total Liabilities	2.90T	2.94T	2.83T	2.75T	2.76T	2.75T
Stockholders Equity	144.29B	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

Technical Analysis SentimentPositive

Last Price3275.00

Price Trends

50DMA3363.70Negative

100DMA2951.87Positive

200DMA2361.86Positive

Market Momentum

MACD-36.87Positive

RSI47.13Neutral

STOCH46.88Neutral

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 3275.00 is below the 20-day moving average (MA) of 3381.30, below the 50-day MA of 3363.70, and above the 200-day MA of 2361.86, indicating a neutral trend. The MACD of -36.87 indicates Positive momentum. The RSI at 47.13 is Neutral, neither overbought nor oversold. The STOCH value of 46.88 is Neutral, 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

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8541 against its peers
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: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:8393	68Neutral	JPY 216.70B	13.38	―	2.30%	9.60%	33.99%
JP:8541	67Neutral	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	48Neutral	JPY 9.56B	60.43	―	2.69%	16.28%	56.59%

* General Sector Average

Performance Comparison

JP:8541 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8541	Ehime Bank, Ltd.	3275.00	2048.34	166.98%
JP:5830	Iyogin Holdings,Inc.	3211.00	880.12	37.76%
JP:8387	Shikoku Bank Ltd.	3595.00	2113.08	142.59%
JP:8388	Awa Bank, Ltd.	1914.00	1166.37	156.01%
JP:8393	Miyazaki Bank Ltd.	2475.00	1456.42	142.98%
JP:8416	Bank of Kochi, Ltd.	930.00	93.02	11.11%

Ehime Bank, Ltd. Corporate Events

Ehime Bank Reports Sharp First-Half Profit Growth

Nov 9, 2026

Ehime Bank, Ltd. is a Japanese banking company providing financial services to customers in its operating market. For the six months ended September 30, 2026, consolidated ordinary income rose 9.9% year on year to ¥36.548 billion, while ordinary prof...

Ehime Bank Lifts Earnings and Dividend Forecasts on Strong Interest Income

Oct 23, 2026

Ehime Bank has sharply revised upward its earnings forecasts for the six months ended September 30, 2026 and for the fiscal year ending March 31, 2027, citing non-consolidated net interest income that is now expected to exceed initial projections. Th...

Ehime Bank Corrects Disclosure on Capital Link to Iyogin Holdings Ahead of Integration

Sep 4, 2026

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...

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 26, 2026

Ehime Bank, Ltd. AI Stock Analysis