Yamanashi Chuo Bank, Ltd.

Yamanashi Chuo Bank, Ltd.

TTSE:8360
1,248.00
JPY
-53.00
(-4.07%)
159.25BMarket Cap
Nov 13Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
259.14
259.19
301.28
301.57
294.21
294.84
257.59
293.53
272.66
362.33
350.5
358.71
473.68
- -
Basic EPS, GAAP
49.86
50.39
54.92
42.96
29.29
29.43
23.28
19.38
26.55
32.35
37.16
50.28
65.2
- -
Free Cash Flow per Basic Share
491.68
-43.54
390.95
-549.72
462.36
483.42
-160.18
2,787.2
1,666.97
-1,892.66
-1,921.87
-113.68
-1,459.33
- -
Dividend per Share
6.01
6.75
8.76
9.53
8
7
7.02
6.99
6.99
8.57
10.22
12.88
20.99
- -
Book Value per Share
1,137.24
1,368.29
1,371.39
1,278.76
1,286.96
1,331.44
1,237.65
1,370.75
1,303.82
1,226.7
1,429.12
1,391.89
1,519.69
- -
Tangible Book Value per Share
1,108.24
1,344.55
1,352.36
1,260.85
1,270.34
1,313.39
1,217.61
1,350.34
1,284.85
1,203.51
1,404.92
1,363.94
1,494.81
- -
Basic Weighted Avg Shares
175
174
172
170
168
167
162
159
160
156
152
153
153
153
Sales/Revenue/Turnover
45,404
45,026
51,856
51,120
49,417
49,174
41,644
46,798
43,561
56,681
53,374
54,711
72,558
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,196
3,295
3,057
2,252
2,308
2,262
2,021
1,991
1,904
1,800
1,973
2,171
2,312
- -
Net Income, GAAP
8,736
8,753
9,452
7,282
4,920
4,908
3,764
3,090
4,241
5,061
5,658
7,669
9,987
- -
Effective Tax Rate (%)
28.35
31.48
29.92
22.97
26.62
29.26
35.28
42.75
27.02
32.83
25.72
27.04
27.57
- -
Profit Margin (%)
19.24
19.44
18.23
14.24
9.96
9.98
9.04
6.6
9.74
8.93
10.6
14.02
13.76
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
28,120
27,997
20,367
5,486
91,825
222,065
207,485
460,831
629,080
458,677
434,692
493,584
439,456
- -
Total Equity
199,257
237,438
235,156
216,976
217,310
222,387
199,660
221,437
211,491
193,263
218,299
213,241
233,692
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.23
3.48
3.57
2.97
1.78
1.25
0.84
0.54
0.54
0.66
0.87
1.12
1.45
- -
Return on Common Equity (%)
4.48
4.04
4.03
3.25
2.29
2.26
1.81
1.49
1.99
2.53
2.77
3.57
4.48
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
153
153
154
Market Capitalization
98,212
159,253
189,732

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
486,782
282,651
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.26%
1.42%
9.59%
Free Cash Flow
-152.34%
168.55%
1,189.23%
Net Income, GAAP
3.73%
26.83%
30.23%
Sales/Revenue/Turnover
4.43%
10.5%
32.62%
Total Cash Common Dividend
9.89%
25.23%
63.61%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
54,711
2026
- -
- -
- -
- -
72,558
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
50.28
2026
- -
- -
- -
- -
65.2
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
12.88
2026
- -
- -
- -
- -
20.99
2027
- -
- -
- -
- -
- -

Company Description

CEO
Yoshiaki Furuya
Full Time Employees
1,649
Sector
Finance
Industry
Major banks
Address
20-8, Marunouchi 1-chome Kofu YM Japan 400-8601
IPO Date
Oct 2, 1972
Business
The Yamanashi Chuo Bank, Ltd. is a regional bank headquartered in Kofu, Yamanashi, Japan, primarily engaged in comprehensive financial services including commercial banking, credit card business, and leasing. The bank's core products and services encompass deposit accounts, personal and business loans, securities trading, investment securities, domestic and foreign exchange transactions, corporate bond underwriting, public bond sales including Japanese government bonds, investment trusts, insurance products, currency hedging, forward exchange contracts, credit guarantees, credit card services, leasing, economic research, and consulting services. It operates through a network of branches, internet branches, district offices, and a representative office in Hong Kong to serve individual and corporate customers predominantly in Yamanashi Prefecture and Tokyo. Founded in 1874, Yamanashi Chuo Bank has recently introduced a new long-term vision titled "Value Creation Company 2034," formulated to evolve into a comprehensive financial group rooted in the local community. This vision is supported by a medium-term management plan from 2025 to 2028 focusing on growth strategies, foundational and human capital strategies, and transformations driven by alliance, digital innovation, corporate development, and sustainability (green initiatives). The bank also strategically leverages connections between Yamanashi Prefecture and Tokyo to create value and accelerate sustainability efforts. Recent operational changes include a strategic reduction in shareholdings, increased dividends, revised shareholder return policies, and enhanced focus on regional tourism businesses around Mount Fuji aligned with infrastructure developments like the Linear Central Shinkansen. Yamanashi Chuo Bank additionally provides credit guarantee services through consolidated subsidiaries and has expanded its range of financial offerings by establishing an investment advisory firm and incorporating fintech elements such as partnerships with major smartphone payment companies like PayPay. The bank is also advancing its digital banking capabilities and business efficiency while aiming to contribute to sustainable local community development. These initiatives reflect the bank's commitment to innovation, customer service diversification, and regional economic support in Japan. This comprehensive service and strategic development positioning maintain The Yamanashi Chuo Bank as a key financial institution in the Yamanashi region with expanding influence in surrounding markets and a commitment to both traditional banking and future-oriented growth opportunities.