Loading…
Regional bank based in Yamanashi prefecture, serving retail and small-business customers near Mount Fuji.
Regional bank based in Yamanashi prefecture, serving retail and small-business customers near Mount Fuji.
Earns mostly from the gap between loan interest and deposit costs in its home prefecture next to Tokyo, plus income on securities, so Japan's long period of near-zero rates held down margins and the move away from it matters.
In one line: A rural Japanese community bank.
Moat: narrow (distribution, regulatory licence). Long-standing local branch network and deposit base in its home prefecture.
Headquarters: Kofu, Japan · Founded: 1941 · Employees: 1,649
Size Yamanashi Chuo Bank (8360.T) is a Japan Financials company (Major Banks) with a market value of $1.16B, the 673rd largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥7,690 on 6 Nov 2026.
Performance Over six months the shares gained 56.9%, against +13.9% for the median peer and +1.8% for the Japan market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue grew 30.0% over the last twelve months (peer median +7.9%); the operating margin is 3.8% (peer median 32.8%).
Valuation It trades at 0.72× book value against a peer median of 1.32× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 5.7%; Yamanashi Chuo Bank delivers 5.0%, so the price asks more than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥76.3B | ¥83.7B | ¥59.4B | ¥54.8B | ¥59.8B |
| Revenue growth | — | +41% | +9% | -8% | — |
| Net income | ¥11.5B | ¥9.99B | ¥7.67B | ¥5.66B | ¥5.06B |
| Free cash flow | n/a | ¥8.83B | ¥31.4B | ¥1.42B | ¥16.1B |
| Capital expenditure | n/a | ¥2.51B | ¥2.90B | ¥1.90B | ¥2.20B |
| Total debt | ¥370B | ¥492B | ¥639B | ¥449B | ¥594B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8360.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.5% | +2.1% | 4th highest of 21 |
| 6-month return | +56.9% | +13.9% | highest of 21 |
| Return on equity | 5.0% | 11.1% | 2nd lowest of 21 |
| Price / book | 0.72× | 1.32× | 3rd cheapest of 21 |
| Trailing P/E | 15.0× | 11.7× | 7th most expensive of 21 |
| ROE the price implies | 5.7% | 10.2% | 3rd least demanding of 21 |
| ROE delivered | 5.0% | 11.1% | 2nd lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Yamanashi Chuo Bank 8360.T | Japan | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% | 5.0% |
| Amerant Bancorp AMTB | United States | $1.15B | +26% | -8% | 8% | 1.38× | 11.0% | 7.5% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| Renta 4 Banco R4.MC | Spain | $984M | +13% | +12% | 29% | 4.15× | 13.9% | 29.0% |
| Camden National CAC | United States | $980M | +18% | +6% | 13% | 1.36× | 9.5% | 12.9% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| Farmers National Banc FMNB | United States | $914M | +9% | +26% | 12% | 1.28× | 10.2% | 11.6% |
| First Financial THFF | United States | $907M | +12% | +10% | 14% | 1.37× | 8.6% | 14.3% |
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| O-Bank 2897.TW | Taiwan | $889M | +4% | -7% | 6% | 0.68× | 2.8% | 5.6% |
| Fukui Bank 8362.T | Japan | $872M | +57% | +16% | 7% | 0.86× | 7.9% | 7.5% |
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| Chiba Kogyo Bank 8337.T | Japan | $845M | +10% | +28% | 5% | 1.01× | 8.4% | 4.9% |
| Alerus Financial ALRS | United States | $837M | +26% | -15% | 5% | 1.45× | 10.7% | 5.3% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |