The Yamanashi Chuo Bank, Ltd. Logo

The Yamanashi Chuo Bank, Ltd.

8360.T

(2.5)
Stock Price

1.758,00 JPY

0.13% ROA

2.98% ROE

8.04x PER

Market Cap.

49.554.934.966,00 JPY

365.75% DER

3.87% Yield

11.35% NPM

The Yamanashi Chuo Bank, Ltd. Stock Analysis

The Yamanashi Chuo Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Yamanashi Chuo Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.3x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

ROE in an average range (2.77%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.12%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

8 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (26.459) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The company has a high debt to equity ratio (326%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

The Yamanashi Chuo Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Yamanashi Chuo Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

The Yamanashi Chuo Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Yamanashi Chuo Bank, Ltd. Revenue
Year Revenue Growth
2005 53.685.000.000
2006 54.293.000.000 1.12%
2007 56.555.000.000 4%
2008 51.972.000.000 -8.82%
2009 51.773.000.000 -0.38%
2010 50.483.000.000 -2.56%
2011 47.949.000.000 -5.28%
2012 46.887.000.000 -2.27%
2013 45.404.000.000 -3.27%
2014 45.026.000.000 -0.84%
2015 51.856.000.000 13.17%
2016 51.120.000.000 -1.44%
2017 49.417.000.000 -3.45%
2018 49.174.000.000 -0.49%
2019 44.068.000.000 -11.59%
2020 46.798.000.000 5.83%
2021 43.561.000.000 -7.43%
2022 56.681.000.000 23.15%
2023 55.744.000.000 -1.68%
2023 54.768.000.000 -1.78%
2024 55.008.000.000 0.44%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Yamanashi Chuo Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Yamanashi Chuo Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 26.755.000.000
2006 26.594.000.000 -0.61%
2007 27.204.000.000 2.24%
2008 28.578.000.000 4.81%
2009 29.243.000.000 2.27%
2010 30.871.000.000 5.27%
2011 31.496.000.000 1.98%
2012 29.779.000.000 -5.77%
2013 29.204.000.000 -1.97%
2014 29.217.000.000 0.04%
2015 28.944.000.000 -0.94%
2016 29.075.000.000 0.45%
2017 29.005.000.000 -0.24%
2018 28.235.000.000 -2.73%
2019 27.144.000.000 -4.02%
2020 26.987.000.000 -0.58%
2021 26.679.000.000 -1.15%
2022 25.892.000.000 -3.04%
2023 26.260.000.000 1.4%
2023 26.838.000.000 2.15%
2024 26.944.000.000 0.39%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Yamanashi Chuo Bank, Ltd. EBITDA
Year EBITDA Growth
2005 26.291.000.000
2006 27.051.000.000 2.81%
2007 22.588.000.000 -19.76%
2008 16.168.000.000 -39.71%
2009 12.804.000.000 -26.27%
2010 11.836.000.000 -8.18%
2011 14.461.000.000 18.15%
2012 15.062.000.000 3.99%
2013 17.176.000.000 12.31%
2014 17.845.000.000 3.75%
2015 18.409.000.000 3.06%
2016 13.846.000.000 -32.96%
2017 10.783.000.000 -28.41%
2018 -288.000.000 3844.1%
2019 -746.000.000 61.39%
2020 -663.000.000 -12.52%
2021 -565.000.000 -17.35%
2022 -132.000.000 -328.03%
2023 -808.000.000 83.66%
2023 2.006.000.000 140.28%
2024 -68.000.000 3050%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Yamanashi Chuo Bank, Ltd. Gross Profit
Year Gross Profit Growth
2005 53.685.000.000
2006 54.293.000.000 1.12%
2007 56.555.000.000 4%
2008 51.972.000.000 -8.82%
2009 51.773.000.000 -0.38%
2010 50.483.000.000 -2.56%
2011 47.949.000.000 -5.28%
2012 46.887.000.000 -2.27%
2013 45.404.000.000 -3.27%
2014 45.026.000.000 -0.84%
2015 51.856.000.000 13.17%
2016 51.120.000.000 -1.44%
2017 49.417.000.000 -3.45%
2018 49.174.000.000 -0.49%
2019 44.068.000.000 -11.59%
2020 46.798.000.000 5.83%
2021 43.561.000.000 -7.43%
2022 56.681.000.000 23.15%
2023 55.744.000.000 -1.68%
2023 50.194.000.000 -11.06%
2024 50.092.000.000 -0.2%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Yamanashi Chuo Bank, Ltd. Net Profit
Year Net Profit Growth
2005 7.382.000.000
2006 7.721.000.000 4.39%
2007 4.252.000.000 -81.59%
2008 5.774.000.000 26.36%
2009 3.475.000.000 -66.16%
2010 4.056.000.000 14.32%
2011 7.323.000.000 44.61%
2012 6.362.000.000 -15.11%
2013 8.736.000.000 27.17%
2014 8.753.000.000 0.19%
2015 9.452.000.000 7.4%
2016 7.282.000.000 -29.8%
2017 4.920.000.000 -48.01%
2018 4.908.000.000 -0.24%
2019 3.764.000.000 -30.39%
2020 3.090.000.000 -21.81%
2021 4.241.000.000 27.14%
2022 5.061.000.000 16.2%
2023 772.000.000 -555.57%
2023 5.658.000.000 86.36%
2024 12.304.000.000 54.01%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Yamanashi Chuo Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 199
2006 209 5.26%
2007 115 -81.74%
2008 157 26.28%
2009 94 -65.96%
2010 111 15.32%
2011 203 45.32%
2012 178 -14.04%
2013 249 28.51%
2014 252 0.8%
2015 275 8.39%
2016 215 -28.04%
2017 146 -46.58%
2018 147 0.68%
2019 116 -26.72%
2020 97 -20.83%
2021 133 27.27%
2022 162 18.01%
2023 0 0%
2023 186 100%
2024 404 54.21%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Yamanashi Chuo Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2005 30.250.000.000
2006 -93.097.000.000 132.49%
2007 26.997.000.000 444.84%
2008 132.392.000.000 79.61%
2009 87.033.000.000 -52.12%
2010 40.307.000.000 -115.93%
2011 205.713.000.000 80.41%
2012 69.974.000.000 -193.98%
2013 86.145.000.000 18.77%
2014 -7.564.000.000 1238.88%
2015 67.290.000.000 111.24%
2016 -93.186.000.000 172.21%
2017 77.661.000.000 219.99%
2018 80.625.000.000 3.68%
2019 -25.895.000.000 411.35%
2020 444.364.000.000 105.83%
2021 266.324.000.000 -66.85%
2022 -296.079.000.000 189.95%
2023 331.000.000 89549.85%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Yamanashi Chuo Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 32.366.000.000
2006 -91.072.000.000 135.54%
2007 29.565.000.000 408.04%
2008 137.248.000.000 78.46%
2009 92.036.000.000 -49.12%
2010 44.621.000.000 -106.26%
2011 207.059.000.000 78.45%
2012 72.870.000.000 -184.15%
2013 88.999.000.000 18.12%
2014 -3.806.000.000 2438.39%
2015 70.287.000.000 105.41%
2016 -91.511.000.000 176.81%
2017 79.725.000.000 214.78%
2018 82.750.000.000 3.66%
2019 -23.354.000.000 454.33%
2020 446.423.000.000 105.23%
2021 267.979.000.000 -66.59%
2022 -293.875.000.000 191.19%
2023 2.226.000.000 13301.93%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Yamanashi Chuo Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 2.116.000.000
2006 2.025.000.000 -4.49%
2007 2.568.000.000 21.14%
2008 4.856.000.000 47.12%
2009 5.003.000.000 2.94%
2010 4.314.000.000 -15.97%
2011 1.346.000.000 -220.51%
2012 2.896.000.000 53.52%
2013 2.854.000.000 -1.47%
2014 3.758.000.000 24.06%
2015 2.997.000.000 -25.39%
2016 1.675.000.000 -78.93%
2017 2.064.000.000 18.85%
2018 2.125.000.000 2.87%
2019 2.541.000.000 16.37%
2020 2.059.000.000 -23.41%
2021 1.655.000.000 -24.41%
2022 2.204.000.000 24.91%
2023 1.895.000.000 -16.31%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Yamanashi Chuo Bank, Ltd. Equity
Year Equity Growth
2005 173.748.000.000
2006 184.836.000.000 6%
2007 161.799.000.000 -14.24%
2008 146.722.000.000 -10.28%
2009 161.976.000.000 9.42%
2010 159.424.000.000 -1.6%
2011 172.342.000.000 7.5%
2012 193.619.000.000 10.99%
2013 199.257.000.000 2.83%
2014 237.438.000.000 16.08%
2015 235.156.000.000 -0.97%
2016 216.976.000.000 -8.38%
2017 217.310.000.000 0.15%
2018 222.387.000.000 2.28%
2019 199.660.000.000 -11.38%
2020 221.437.000.000 9.83%
2021 211.491.000.000 -4.7%
2022 193.263.000.000 -9.43%
2023 198.677.000.000 2.73%
2023 218.301.000.000 8.99%
2024 213.719.000.000 -2.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Yamanashi Chuo Bank, Ltd. Assets
Year Assets Growth
2005 2.567.475.000.000
2006 2.595.307.000.000 1.07%
2007 2.602.302.000.000 0.27%
2008 2.605.532.000.000 0.12%
2009 2.709.198.000.000 3.83%
2010 2.731.372.000.000 0.81%
2011 2.890.741.000.000 5.51%
2012 3.028.916.000.000 4.56%
2013 3.041.323.000.000 0.41%
2014 3.155.903.000.000 3.63%
2015 3.239.117.000.000 2.57%
2016 3.285.408.000.000 1.41%
2017 3.306.502.000.000 0.64%
2018 3.480.808.000.000 5.01%
2019 3.511.412.000.000 0.87%
2020 4.185.672.000.000 16.11%
2021 4.469.779.000.000 6.36%
2022 4.380.458.000.000 -2.04%
2023 4.313.165.000.000 -1.56%
2023 4.366.180.000.000 1.21%
2024 4.584.739.000.000 4.77%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Yamanashi Chuo Bank, Ltd. Liabilities
Year Liabilities Growth
2005 2.393.727.000.000
2006 2.410.471.000.000 0.69%
2007 2.440.503.000.000 1.23%
2008 2.458.810.000.000 0.74%
2009 2.547.222.000.000 3.47%
2010 2.571.948.000.000 0.96%
2011 2.718.399.000.000 5.39%
2012 2.835.297.000.000 4.12%
2013 2.842.066.000.000 0.24%
2014 2.918.465.000.000 2.62%
2015 3.003.961.000.000 2.85%
2016 3.068.432.000.000 2.1%
2017 3.089.192.000.000 0.67%
2018 3.258.421.000.000 5.19%
2019 3.311.752.000.000 1.61%
2020 3.964.235.000.000 16.46%
2021 4.258.288.000.000 6.91%
2022 4.187.195.000.000 -1.7%
2023 439.598.000.000 -852.51%
2023 4.147.879.000.000 89.4%
2024 4.371.020.000.000 5.11%

The Yamanashi Chuo Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1782.87
Net Income per Share
202.29
Price to Earning Ratio
8.04x
Price To Sales Ratio
0.91x
POCF Ratio
24.08
PFCF Ratio
24.08
Price to Book Ratio
0.23
EV to Sales
-3.62
EV Over EBITDA
-61.41
EV to Operating CashFlow
-95.51
EV to FreeCashFlow
-95.51
Earnings Yield
0.12
FreeCashFlow Yield
0.04
Market Cap
49,55 Bil.
Enterprise Value
-196,57 Bil.
Graham Number
5639.27
Graham NetNet
-115501.62

Income Statement Metrics

Net Income per Share
202.29
Income Quality
0.33
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.76
EBT Per Ebit
1.21
Ebit per Revenue
0.12
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.5
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.96
Operating Profit Margin
0.12
Pretax Profit Margin
0.15
Net Profit Margin
0.11

Dividends

Dividend Yield
0.04
Dividend Yield %
3.87
Payout Ratio
0
Dividend Per Share
63

Operating Metrics

Operating Cashflow per Share
67.56
Free CashFlow per Share
67.56
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
27.991,75
Book Value per Share
7.016,04
Tangible Book Value per Share
6896.48
Shareholders Equity per Share
6987.02
Interest Debt per Share
25562.32
Debt to Equity
3.66
Debt to Assets
0.17
Net Debt to EBITDA
-76.89
Current Ratio
913.9
Tangible Asset Value
210,08 Bil.
Net Current Asset Value
-3.518,35 Bil.
Invested Capital
876602000000
Working Capital
851,74 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
15.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Yamanashi Chuo Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 4 -66.67%
2003 5 40%
2004 5 0%
2005 5 0%
2006 5 0%
2007 6 16.67%
2008 6 -20%
2009 6 16.67%
2010 6 0%
2011 4 -100%
2012 4 0%
2013 6 50%
2014 7 0%
2015 9 25%
2016 10 11.11%
2017 8 -12.5%
2018 4 -100%
2019 35 88.57%
2020 35 0%
2021 35 0%
2022 38 5.41%
2023 50 26%
2024 63 20.63%
2025 0 0%

The Yamanashi Chuo Bank, Ltd. Profile

About The Yamanashi Chuo Bank, Ltd.

The Yamanashi Chuo Bank, Ltd., together with its subsidiaries, provides financial services to individual and corporate customers in Yamanashi Prefecture and western Tokyo, Japan. It accepts deposits; and provides loans. The company also offers insurance products, loan guarantees, investment trust and leasing services, credit cards, call loans and call money, and consulting and economic research services, as well as corporate bond underwriting services. In addition, it is involved in the asset management activities; securities trading business; provision of foreign exchange operations; short-term fundraising; and provision of over-the-counter sale of public bonds, such as Japanese government bonds. The company operates through a network of 90 branches, including 1 Internet branch and 2 district offices; and 1 representative office in Hong Kong. The Yamanashi Chuo Bank, Ltd. was founded in 1941 and is headquartered in Kofu, Japan.

CEO
Mr. Yoshiaki Furuya
Employee
1.594
Address
20-8, Marunouchi 1-chome
Kofu, 400-8601

The Yamanashi Chuo Bank, Ltd. Executives & BODs

The Yamanashi Chuo Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Yoshiaki Furuya
President & Representative Director
70
2 Mr. Masahiko Yamadera
Senior MD of Human Resources & Business Administration and Director
70
3 Mr. Norihiko Tanaka
MD & Director
70
4 Hideki Sato
MD & Director
70
5 Mikihiko Koike
Managing Executive Officer & GM of Head Office Regional Headquarters & Head Office Sales Department
70
6 Tetsuya Naito
MD of Regional Hdq., Sales Manager, Regional Revitalization Promotion Manager & Director
70
7 Koichiro Kato
MD & Director
70
8 Tadashi Takimoto
Managing Executive Officer & GM of Eastern Region Headquarters
70
9 Tadahiro Yoneyama
Managing Executive Officer, GM of Tokyo District 1 & General Manager of Tokyo Branch
70
10 Ryo Saito
Managing Executive Officer & Director of Loan Screening Department
70

The Yamanashi Chuo Bank, Ltd. Competitors