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The Yamanashi Chuo Bank, Ltd. logo

The Yamanashi Chuo Bank, Ltd.

8360.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥7,020

−¥110 · -1.54%

Aug 24, 3:30 PM JST

8360.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Yamanashi Chuo Bank, Ltd. and its affiliates deliver a broad spectrum of financial solutions to individual and business clients primarily across Japan's Yamanashi Prefecture and western Tokyo. The bank's core activities involve accepting deposits and providing loans. Additionally, it offers a diverse range of products and services including insurance, loan guarantees, investment trusts, leasing, and credit cards. Specialized services extend to call loans, call money, corporate bond underwriting, consulting, and economic research. The institution also engages in asset management, securities trading, foreign exchange operations, short-term fundraising, and the over-the-counter sale of public bonds, such as Japanese government bonds. Founded in 1941 and based in Kofu, Japan, the company maintains a substantial operational footprint with 90 branches (including one online branch), two district offices, and a representative office in Hong Kong.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Yoshiaki Furuya
Listed since
Jan 1, 2001
Employees
1,649

Market position

52-week range

Current ¥7,020

Open
¥7,020
Previous close
¥7,130
Volume
0
0× average
Average volume
129.21K
Average daily volume
Market cap
215.41B JPY
Beta
0.7
Market reference 1
50-day average
¥6,593.6
+6.47% above average
200-day average
¥5,308.63
+32.24% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
360.84B JPY
P/E (TTM)
18.66×
P/B (TTM)
0.9×
P/S (TTM)
2.4×
EV / EBITDA
22.38×
Earnings yield
6.28%
Free cash flow yield
5.55%
Dividend yield
1.87%

Profitability & efficiency

Gross margin
86.80%
Operating margin
17.78%
Net margin
12.85%
Return on equity
4.28%
Return on assets
0.22%
Return on invested capital
0.22%

Financial health

Debt / equity
1.54×
Current ratio
5.56×
Altman Z-score
0.18
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%72%36%-1%Gross margin, FY2021: 98.07%Gross margin, FY2022: 95.86%Gross margin, FY2023: 99.41%Gross margin, FY2024: 92.79%Gross margin, FY2025: 87.42%Operating margin, FY2021: 13.48%Operating margin, FY2022: 12.92%Operating margin, FY2023: 13.81%Operating margin, FY2024: 17.81%Operating margin, FY2025: 16.49%Net margin, FY2021: 9.50%Net margin, FY2022: 8.46%Net margin, FY2023: 10.32%Net margin, FY2024: 12.91%Net margin, FY2025: 11.93%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.07%. Gross margin FY2022 95.86%. Gross margin FY2023 99.41%. Gross margin FY2024 92.79%. Gross margin FY2025 87.42%. Operating margin FY2021 13.48%. Operating margin FY2022 12.92%. Operating margin FY2023 13.81%. Operating margin FY2024 17.81%. Operating margin FY2025 16.49%. Net margin FY2021 9.50%. Net margin FY2022 8.46%. Net margin FY2023 10.32%. Net margin FY2024 12.91%. Net margin FY2025 11.93%.

Income trends

Revenue

83.75B JPY+40.99%

Operating income

13.81B JPY+30.58%

Net income

9.99B JPY+30.24%
Income trends across reported periods91.7B JPY59.9B JPY28.09B JPY−3.71B JPYRevenue, FY2021: 44.66B JPYRevenue, FY2022: 59.82B JPYRevenue, FY2023: 54.82B JPYRevenue, FY2024: 59.4B JPYRevenue, FY2025: 83.75B JPYOperating income, FY2021: 6.02B JPYOperating income, FY2022: 7.73B JPYOperating income, FY2023: 7.57B JPYOperating income, FY2024: 10.58B JPYOperating income, FY2025: 13.81B JPYNet income, FY2021: 4.24B JPYNet income, FY2022: 5.06B JPYNet income, FY2023: 5.66B JPYNet income, FY2024: 7.67B JPYNet income, FY2025: 9.99B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 44.66B JPY. Revenue FY2022 59.82B JPY. Revenue FY2023 54.82B JPY. Revenue FY2024 59.4B JPY. Revenue FY2025 83.75B JPY. Operating income FY2021 6.02B JPY. Operating income FY2022 7.73B JPY. Operating income FY2023 7.57B JPY. Operating income FY2024 10.58B JPY. Operating income FY2025 13.81B JPY. Net income FY2021 4.24B JPY. Net income FY2022 5.06B JPY. Net income FY2023 5.66B JPY. Net income FY2024 7.67B JPY. Net income FY2025 9.99B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue83.75B JPY59.4B JPY54.82B JPY59.82B JPY44.66B JPY
Cost of goods sold10.53B JPY4.28B JPY326M JPY2.48B JPY860M JPY
Gross profit73.22B JPY55.12B JPY54.49B JPY57.35B JPY43.8B JPY
Selling, general, and administrative—11.63B JPY11.17B JPY11B JPY11.45B JPY
Operating expenses59.41B JPY44.54B JPY46.92B JPY49.62B JPY37.78B JPY
Interest income51.57B JPY36.7B JPY31.15B JPY32.36B JPY27.77B JPY
Interest expense10.19B JPY2.94B JPY439M JPY1.47B JPY370M JPY
Depreciation and amortization2.31B JPY2.17B JPY1.97B JPY1.8B JPY1.9B JPY
Operating income13.81B JPY10.58B JPY7.57B JPY7.73B JPY6.02B JPY
Net income9.99B JPY7.67B JPY5.66B JPY5.06B JPY4.24B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
154.88

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates167.25111.5855.920.26Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 0.3, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 68.28, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 81.87, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 104.69, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 38.14, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 103.33, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 79.83, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 154.88, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates30.93B24.85B18.78B12.71BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 13.97B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 16.25B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 16.32B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 17.99B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 18.44B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 20.01B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 29.67B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 23.81B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥103

2025 complete year+194.3% since 2021

2026 partial: ¥72.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥81.50

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥16.30

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥72.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Sep 29, 2025

¥59.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 3, 2025

Dividend

Ex-dividend Mar 28, 2025

¥44.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 26, 2025

Dividend

Ex-dividend Sep 27, 2024

¥32.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 4, 2024

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ETFs holding 8360.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
432.08M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
15.48M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.20-0.58%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
10.71M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.06-0.49%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
8.1M
Weight
0.00%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.67-0.18%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
4.27M
Weight
0.03%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.50-0.12%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
4.26M
Weight
0.03%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$158.95-0.69%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
2.67M
Weight
0.05%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.26+0.02%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
2.22M
Weight
0.01%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.05-0.22%

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