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The Yamagata Bank (8344) · FactMitigated

Operating cash flow turns negative as loans increase

First written in FY2018-Q2. 5 of 17 entries say "Mitigated", first in FY2024-Q2. Latest entry: FY2026.

17entries
10years
1from disclosures
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ProgressHeldSoftenedWorseOtherFY2018-Q2 – FY2022-Q2MitigatedFY2024-Q2 – FY2025-H12017: 12018: 220182019: 220192020: 220202021: 220212022: 120222023: 220232024: 220242025: 120252026: 22026
Same theme, other companies
Bank operating cash flow turns negative due to an increase in loansA theme 2 companies write about · 2 as a headwind · 0 as a tailwind

1 other company's latest entry also says "Mitigated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026MitigatedAnnual report

    「Net cash provided by operating activities was ¥26.4 billion, an increase of ¥69.2 billion from the previous consolidated fiscal year, mainly due to increases in deposits and borrowings.」

    Cash flows from operating activities changed from an outflow of ¥42.758 billion in the previous fiscal year to an inflow of ¥26.4 billion.
  2. 2026-05-15MitigatedEarnings

    「Net cash provided by operating activities was ¥26.4 billion, an increase of ¥69.2 billion from the previous consolidated fiscal year, mainly due to increases in deposits and borrowings.」

    Net cash flow from operating activities shifted from an outflow in the previous fiscal year to an inflow of ¥26.4 billion.
  3. FY2026-H1WorsenedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥26.4 billion, due mainly to an increase in loans, an increase of ¥5.0 billion in the outflow from the previous interim cumulative consolidated period.」

    Cash flows from operating activities increased from an outflow of ¥21.4 billion in the previous interim period to an outflow of ¥26.4 billion. An increase in loans and other factors were cited as the causes.
  4. FY2025-H1MitigatedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥21.4 billion, due mainly to an increase in loans, a decrease of ¥88.0 billion in the outflow from the previous interim cumulative consolidated period.」

    Although cash flows from operating activities remained an outflow, the outflow decreased from ¥109.5 billion in the previous interim period to ¥21.4 billion.
  5. FY2024MitigatedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥145.3 billion, due mainly to an increase in loans, a decrease of ¥323.9 billion in the outflow from the previous consolidated fiscal year.」

    Cash flows from operating activities remained an outflow, but the outflow decreased from ¥469.3 billion in the previous fiscal year to ¥145.3 billion.
  6. FY2024-Q2MitigatedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥109.5 billion, due mainly to an increase in loans, a decrease of ¥414.6 billion in the outflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities remained an outflow of ¥109.5 billion, but the outflow decreased by ¥414.6 billion from ¥524.1 billion in the same period of the previous year.
  7. FY2023WorsenedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥469.3 billion, due mainly to a decrease in borrowed money, an increase of ¥919.5 billion in the outflow from the previous consolidated fiscal year.」

    Cash flows from operating activities changed from an inflow of ¥450.2 billion in the previous fiscal year to an outflow of ¥469.3 billion. A decrease in borrowed money and other factors were cited as the main causes.
  8. FY2023-Q2WorsenedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥524.1 billion, due mainly to decreases in borrowed money and call money, an increase of ¥675.1 billion in the outflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities changed from an inflow of ¥150.9 billion in the same period of the previous year to an outflow of ¥524.1 billion. Decreases in borrowed money and call money were cited as the main factors.
  9. FY2022-Q2Decrease in operating cash flow inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥150.9 billion, due mainly to an increase in call money and a decrease in loans, a decrease of ¥67.8 billion in the inflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities maintained an inflow of ¥150.9 billion, but decreased by ¥67.8 billion year on year.
  10. FY2021Sharp increase in operating cash flow inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥440.1 billion, due mainly to an increase in deposits, an increase of ¥340.1 billion in the inflow from the previous consolidated fiscal year.」

    Cash flows from operating activities increased substantially from an inflow of ¥100.0 billion in the previous fiscal year to ¥440.1 billion, due mainly to an increase in deposits.
  11. FY2021-Q2Sharp increase in operating cash flow inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥218.8 billion, due mainly to increases in deposits and borrowed money, an increase of ¥189.6 billion in the inflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities increased substantially from an inflow of ¥29.1 billion in the same period of the previous year to an inflow of ¥218.8 billion, due mainly to increases in deposits and borrowed money.
  12. FY2020Operating cash flow changed from an outflow to an inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥100.0 billion, due mainly to an increase in deposits, an increase of ¥146.6 billion in the inflow from the previous consolidated fiscal year.」

    Cash flows from operating activities changed from an outflow of ¥46.5 billion in the previous fiscal year to an inflow of ¥100.0 billion.
  13. FY2020-Q2Increase in operating cash flow inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥29.1 billion, due mainly to a decrease in loans and an increase in negotiable certificates of deposit, an increase of ¥15.2 billion in the inflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities increased from an inflow of ¥13.9 billion in the same period of the previous year to an inflow of ¥29.1 billion.
  14. FY2019Full-year outflow continues, but amount decreasesAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥46.5 billion, due mainly to a decrease in borrowed money, a decrease of ¥5.5 billion in the outflow from the previous consolidated fiscal year.」

    Unlike the temporary change to an inflow in the second quarter, cash flows from operating activities amounted to a full-year outflow of ¥46.5 billion. However, the outflow decreased from ¥52.1 billion in the previous fiscal year.
  15. FY2019-Q2Operating cash flow changed from an outflow to an inflowAnnual report

    「Cash flows from operating activities amounted to an inflow of ¥13.9 billion, due mainly to an increase in call money, an increase of ¥25.9 billion in the inflow from the previous second-quarter cumulative consolidated period.」

    Cash flows from operating activities changed from an outflow of ¥11.9 billion in the same period of the previous year to an inflow of ¥13.9 billion in the current interim period.
  16. FY2018Full-year outflow confirmedAnnual report

    「Cash flows from operating activities amounted to an outflow of ¥52.1 billion, due mainly to a decrease in borrowed money, a decrease of ¥88.0 billion in the outflow from the previous consolidated fiscal year.」

    Cash flows from operating activities amounted to a full-year outflow of ¥52.1 billion, as the increase in loans exceeded the increase in deposits.
  17. FY2018-Q2First statedAnnual report

    「Cash flow from operating activities was an outflow of ¥11.9 billion, mainly because loans increased, an increase in outflows of ¥39.8 billion from the same period of the previous year.」

    Operating cash flow shifted from an inflow in the year-earlier period to an outflow of ¥11.9 billion, mainly because loans increased.
Moved together

"Expanding lending to residential mortgage borrowers, local companies, and local governments" moved the same way as this thread, in the same document, in 5 of its 17 moves.

554444★123456
  1. ★This thread
  2. 1Expanding lending to residential mortgage borrowers, local companies, and local governments5×
  3. 2Quarterly Comprehensive Income Deficit Due to a Decrease in Valuation Differences on Other Securities5×
  4. 3Curbing reinvestment in securities to prioritize loan growth4×
  5. 4Risk of Deterioration in Credit Counterparties and an Increase in Non-Performing Loans4×
  6. 5Increase in Other Operating Expenses Due to Expenses for Financial Derivatives, etc.4×
  7. 6Decline in Profit in the Other Businesses Segment4×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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No upcoming earnings preview for The Yamagata Bank yet. It last moved in the Earnings of 2026-05-15: "Mitigated".
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Operating cash flow turns negative as loans increase | The Yamagata Bank,Ltd. (8344) | Komori