The Ehime Bank, Ltd. (8541) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Bank of Toyama Ltd.

The Miyazaki Bank Ltd.

Okinawa Financial Group, Inc.

TOMONY Holdings, Inc.

Bank of The Ryukyus, Ltd.

The Shikoku Bank, Ltd.

The Bank of Iwate Ltd.

Oita Bank, Ltd.

San ju San Financial Group, Inc.

The Ehime Bank, Ltd.

HS Holdings Co., Ltd.

Why is The Ehime Bank, Ltd. ?

Poor Management Efficiency with a low ROA of 0.14%

The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.04% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.20%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.04% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.20%

Flat results in Jun 26

INTEREST(9M) At JPY 13,380 MM has Grown at 9.28%
ROCE(HY) Lowest at 0.25%

With ROA of 0.19%, it has a fair valuation with a 0.55 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 154.67%, its profits have risen by 13% ; the PEG ratio of the company is 1.1
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The Ehime Bank, Ltd. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The Ehime Bank, Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The Ehime Bank, Ltd.

157.96%

3.30

36.28%

Japan Nikkei 225

59.79%

2.06

29.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.40%

EBIT Growth (5y)

1.32%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.92%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.55

EV to EBIT

-15.99

EV to EBITDA

-12.38

EV to Capital Employed

3.34

EV to Sales

-1.80

PEG Ratio

1.07

Dividend Yield

ROCE (Latest)

-20.90%

ROE (Latest)

3.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bullish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

No Trend

OBV

Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

ROCE(HY)

Highest at 0.25%

NII(Q)

Highest at JPY 10,011 MM

NET PROFIT(9M)

Higher at JPY 6,331.67 MM

CASH AND EQV(HY)

Highest at JPY 510,745 MM

NET SALES(Q)

Highest at JPY 14,718 MM

OPERATING PROFIT(Q)

Highest at JPY 3,347 MM

OPERATING PROFIT MARGIN(Q)

Highest at 22.74 %

-4What is not working for the Company

INTEREST(9M)

At JPY 13,380 MM has Grown at 9.28%

ROCE(HY)

Lowest at 0.25%

Here's what is working for The Ehime Bank, Ltd.

NII

Highest at JPY 10,011 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 14,718 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Sales

At JPY 14,718 MM has Grown at 11.76%

over average net sales of the previous four periods of JPY 13,169 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Operating Profit

Highest at JPY 3,347 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 22.74 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Cash and Eqv

Highest at JPY 510,745 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Net Profit

Higher at JPY 6,331.67 MM

than preceding 12 month period ended Jun 2026

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (JPY MM)

Here's what is not working for The Ehime Bank, Ltd.

Interest

At JPY 13,380 MM has Grown at 9.28%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)