8344.T
BuyHot AirAI neutralThe Yamagata Bank, Ltd. · Financial Services · Japan · $1.0B
JPY 5,690 +1.6% · close 5 Oct · scored 6 Oct
StockRank up 2.2 since 3 Oct.
Hot Air: Rising on momentum alone: weak business, rich price.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Yamagata Bank is a regional Japanese lender whose shares have rallied strongly as Bank of Japan rate rises widen lending margins, and it has a small buyback. Quality is low, the regional economy is shrinking and ageing, and much of the rate benefit is already reflected in the share price momentum.
ABOUT THE YAMAGATA BANK, LTD.
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The Yamagata Bank, Ltd. operates as a regional financial institution in Japan, offering traditional banking services including deposits, loans, and investment products primarily to individuals and small-to-medium sized enterprises within Yamagata Prefecture. The bank's competitive moat is built upon its profound local market understanding, extensive customer relationships, and strong community ties, positioning it as a cornerstone for the region's economic stability and growth.
FINANCIAL SUMMARY (JPY)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 44.9B | 47.2B | 45.3B | 51.6B | 4.8% | 59.2B |
| EPS (JPY) | 104.86 | 107.40 | 65.03 | 138.17 | 210.54 | 19.0% | 207.87 |
| Shares | — | 32.0M | 32.0M | 31.6M | 31.0M | -3.1% | 30.8M |
| Debt | — | 133.2B | 134.5B | 119.0B | 160.8B | 6.5% | 135.0B |
| Equity | — | 133.6B | 143.6B | 135.8B | 150.4B | 4.0% | — |
| Op CF | — | -469.3B | -145.4B | -42.8B | 26.4B | — | -27.7B |
| Inv CF | — | 75.4B | 94.2B | 57.0B | -37.8B | — | — |
| Fin CF | — | -1.2B | -1.1B | -1.6B | -3.5B | — | — |
Swung more than 51% of stocks we rank over the past year (42% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 8344.T are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 8344.T | The Yamagata Bank, Ltd.(you) | $1.0B | 72 | Buy |
| 8387.T | The Shikoku Bank, Ltd. | $1.2B | 72 | Buy |
| 8362.T | The Fukui Bank, Ltd. | $1.2B | 74 | Buy |
| 8345.T | The Bank of Iwate, Ltd. | $1.2B | 70 | Buy |
| 8541.T | The Ehime Bank, Ltd. | $856M | 70 | Buy |
| 8399.T | Bank of The Ryukyus, Limited | $855M | 68 | Buy |
| 8393.T | The Miyazaki Bank, Ltd. | $1.5B | 71 | Buy |
| 8392.T | The Oita Bank, Ltd. | $1.5B | 69 | Buy |
| 8550.T | The Tochigi Bank, Ltd. | $738M | 68 | Buy |
| 8360.T | The Yamanashi Chuo Bank,Ltd. | $1.4B | 68 | Buy |
Peer medians: ROE 8.3% · P/E 15.8x · Gross margin 72.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.