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The Yamagata Bank, Ltd. (8344.T)

JPY3,930.00 +165.00 (+4.38%)
JP JPX Financial Services Banks - Regional
Address 3-1-2 Nanukamachi 990-8642
Yamagata, JP
CEO Eiji Sato
IPO 2001-01-01
ISIN JP3934800008

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Description

Operating extensively throughout Japan, The Yamagata Bank, Ltd. delivers a diverse range of financial products and services. Its business is organized into three primary segments: Banking, Leasing, and Credit Guarantee. The bank's core activities encompass taking customer deposits, extending various loans, and engaging in securities investments. Additionally, it provides services such as currency exchange and equipment leasing. As of March 31, 2021, its operational footprint included 81 branches and 299 automated teller machines (ATMs) across the region. Founded in 1896, The Yamagata Bank maintains its headquarters in Yamagata, Japan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY3,930.00 +165.00 (+4.38%)
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Volume Profile
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Liquidity & share structure
Average Volume
111.4K
Beta
0.40
Float Shares
22.61M
Free Float %
72.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+5.57% +11.50% +0.61% +8.64% +62.59% +42.57% +92.65% +150.72% +208.02% +45.23% +6.98%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3,930.00
DCF (Unlevered) 7,700.08 +95.9%
DCF (Levered) 1,269.97 -67.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.17
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +21.6% Q1'26: +53.5% (vs Q1'25)
  • EPS growth
    +50.5% Q1'26: +149.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.1% (vs Q1'25)
  • ROIC
    Q1'26: +10.1% (vs Q1'25)
  • Share dilution
    -1.7% Q1'26: -1.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 12.23× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.34) × ERP
WACC = 35% × Ke + 65% × Kd (5.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7,635.80 Current price: 3,930.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2019
actual
Mar 2020
actual
Revenue
43.19B
est: 41.19B (+4.9%)
45.05B
est: 41.70B (+8.0%)
41.45B
est: 42.00B (-1.3%)
EBITDA
13.63B
est: 6.08B (+124.3%)
7.18B
est: 6.15B (+16.8%)
5.82B
est: 6.20B (-6.1%)
EBIT
12.45B
est: 4.40B (+182.9%)
5.91B
est: 4.45B (+32.7%)
4.47B
est: 4.49B (-0.4%)
Net Income
7.48B
est: 3.92B (+91.1%)
4.02B
est: 3.92B (+2.6%)
2.54B
est: 4.12B (-38.4%)
SGA
22.64B
est: 19.25B (+17.6%)
21.47B
est: 19.49B (+10.1%)
21.77B
est: 19.63B (+10.9%)
EPS
228.10
est: 122.63 (+86.0%)
110.01
est: 122.72 (-10.4%)
77.84
est: 128.86 (-39.6%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-14 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-13 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-12 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-11 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-08 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-07 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-01 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-30 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-28 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-27 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-24 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-23 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-22 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-21 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-20 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-17 B+ 3/5 4/5 2/5 4/5 1/5 3/5 4/5
2026-04-16 B+ 3/5 4/5 2/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
965.61M
OE per share TTM
30.16
Owner's Yield
1.16%
Maintenance CapEx ratio
110.22%
Maint CapEx / Avg PPE
36.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 33 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Japan SmallCap Dividend Fund DFJ 0.08% 317.1K 0.58%
2 State Street SPDR S&P International Small Cap ETF GWX 0.04% 356.8K 0.40%
3 WisdomTree International SmallCap Dividend Fund DLS 0.03% 268.1K 0.58%
4 Schwab International Small-Cap Equity ETF SCHC 0.02% 1.28M 0.06%
5 Avantis International Small Cap Equity ETF AVDS 0.02% 55.0K 0.30%
6 Dimensional - International Small Cap ETF DFIS 0.02% 948.5K 0.39%
7 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 1.92M 0.06%
8 Amundi Japan TOPIX II UCITS ETF EUR Hedged Dist JPNH.PA 0.01% 58.8K 0.45%
9 iShares Core TOPIX ETF 1475.T 0.01% 1.43M 0.05%
10 Amundi Japan TOPIX II UCITS ETF EUR Dist JPNU.L 0.01% 57.9K 0.45%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
7.68M
Shares Outstanding
31.01M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Eiji Sato President, Chief Executive Officer & Director male
Hiroyuki Sasa Managing Executive Officer & Director male
Izumi Hasegawa Managing Executive Officer male
Mitsuru Imokawa Managing Executive Officer male
Shinichiro Miura Senior MD & Representative Director male
Takayuki Goto Executive Officer and GM of Human Resources & General Affairs
Tomokazu Kan Managing Executive Officer & Head Office Sales Manager male
Toshiyuki Komatsu Executive Officer & Finance Manager male
Yokoo Keiko IR contact female
Yutaka Touyama Managing Executive Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits