First Bank of Toyama Ltd. (JP:7184)

:7184

7184

First Bank of Toyama Ltd.

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First Bank of Toyama Ltd. (7184) Price & Analysis

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7184 Stock Chart & Stats

¥1815.00

¥8.00(0.75%)

At close: Jan 08 4:00 PM EST

¥1815.00

¥8.00(0.75%)

Day’s Range― - ―

52-Week Range¥949.00 - ¥2,899.00

Previous CloseN/A

Volume146.40K

Average Volume (3M)198.25K

Market Cap

¥171.80B

Enterprise Value¥111.98B

Total Cash (Recent Filing)¥0.00

Total Debt (Recent Filing)¥10.08B

Price to Earnings (P/E)8.1

Beta1.31

Next Earnings

Jul 31, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.63%

Share Statistics

EPS (TTM)161.70

Shares Outstanding64,309,700

10 Day Avg. Volume146,740

30 Day Avg. Volume198,253

Financial Highlights & Ratios

PEG Ratio0.68

Price to Book (P/B)0.74

Price to Sales (P/S)2.89

P/FCF Ratio39.61

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Profitability ExpansionMeaningful revenue and margin improvement—annual revenue roughly doubled 2021–2026 and net margin reached ~29.5% in 2026—reflects stronger lending yields, improved fee mix and cost control. Sustained higher margins can underwrite dividends, reserve buffers and reinvestment over coming years.

De‑risked Balance SheetThe material reduction in leverage and a substantially larger equity base create a more resilient capital structure. This improves loss-absorbing capacity, regulatory flexibility and the bank's ability to support loan growth or weather stress without urgent external financing, a durable strength.

Improving Cash ConversionFree cash flow turned consistently positive recently and tracked reported earnings closely (FCF/net income ~0.83–0.92), indicating improving cash conversion. Reliable FCF supports sustainable dividends, loan origination and strategic investments without immediate reliance on wholesale funding.

Bears Say

Cash‑flow VolatilityHistoric operating cash flow swings and multi‑year negative OCF (2021–2023) indicate unpredictable cash generation. Such volatility can constrain consistent capital allocation, reduce confidence in future dividend sustainability, and amplify stress in downturns when provisioning or liquidity needs rise.

Low Returns On EquityReported ROE over 2021–2025 appears modest, limiting long‑term shareholder returns and signalling capital inefficiency relative to equity. Persistently low ROE can make it harder to grow book value per share organically and may pressure management to seek higher‑return initiatives or capital redeployment.

Regional Concentration & Cycle SensitivityThe bank's focus on Toyama and nearby areas concentrates credit and deposit exposure to local economic trends. Coupled with earlier uneven revenue performance and sensitivity to the rate/credit cycle, this limits diversification and raises exposure to local downturns and sectoral credit shocks over the medium term.

First Bank of Toyama Ltd. News

First Bank of Toyama Completes ¥5 Billion Share Buyback Program

The latest announcement is out from First Bank of Toyama Ltd. ( ($JP:7184) ). The First Bank of...

6d ago

7184

First Bank of Toyama Nearly Completes ¥5.5 Billion Share Buyback via ToSTNeT-3

First Bank of Toyama Ltd. ( ($JP:7184) ) has shared an announcement. The First Bank of Toyama has...

12d ago

7184

First Bank of Toyama Launches Up to ¥5.5 Billion Share Buyback

The latest announcement is out from First Bank of Toyama Ltd. ( ($JP:7184) ). The First Bank of...

12d ago

7184

First Bank of Toyama Updates Long-Term Vision to Boost Regional Growth Investments

First Bank of Toyama Ltd. ( ($JP:7184) ) just unveiled an update. The First Bank of Toyama has...

12d ago

7184

First Bank of Toyama Launches Share Buyback and Cancellation to Tighten Capital Base

An update from First Bank of Toyama Ltd. ( ($JP:7184) ) is now available. The First Bank of...

12d ago

7184

First Bank of Toyama Raises Year-End Dividend After Earnings Beat

First Bank of Toyama Ltd. ( ($JP:7184) ) has issued an update. The First Bank of Toyama will...

12d ago

7184

First Bank of Toyama Posts Higher Profits and Capital, Lifts Dividend While Guiding Lower

First Bank of Toyama Ltd. ( ($JP:7184) ) has issued an update. The First Bank of Toyama reported...

12d ago

7184

First Bank of Toyama Overhauls Leadership as Part of Management Reform

First Bank of Toyama Ltd. ( ($JP:7184) ) has issued an announcement. The First Bank of Toyama, Ltd....

2M ago

7184

First Bank of Toyama Lifts Profit Outlook and Sharply Increases Dividend Forecast

First Bank of Toyama Ltd. ( ($JP:7184) ) has issued an announcement. The First Bank of Toyama has...

4M ago

7184

First Bank of Toyama Profits Decline but Capital and Dividend Outlook Strengthen

An announcement from First Bank of Toyama Ltd. ( ($JP:7184) ) is now available. For the nine months...

4M ago

7184

7184 FAQ

What was First Bank of Toyama Ltd.’s price range in the past 12 months?

First Bank of Toyama Ltd. lowest stock price was ¥949.00 and its highest was ¥2899.00 in the past 12 months.

What is First Bank of Toyama Ltd.’s market cap?

First Bank of Toyama Ltd.’s market cap is ¥171.80B.

When is First Bank of Toyama Ltd.’s upcoming earnings report date?

First Bank of Toyama Ltd.’s upcoming earnings report date is Jul 31, 2026 which is in 68 days.

How were First Bank of Toyama Ltd.’s earnings last quarter?

First Bank of Toyama Ltd. released its earnings results on May 12, 2026. The company reported ¥71.75 earnings per share for the quarter, beating the consensus estimate of N/A by ¥71.75.

Is First Bank of Toyama Ltd. overvalued?

According to Wall Street analysts First Bank of Toyama Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Bank of Toyama Ltd. pay dividends?

First Bank of Toyama Ltd. pays a Semiannually dividend of ¥28 which represents an annual dividend yield of 2.63%. See more information on First Bank of Toyama Ltd. dividends here

What is First Bank of Toyama Ltd.’s EPS estimate?

First Bank of Toyama Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Bank of Toyama Ltd. have?

First Bank of Toyama Ltd. has 64,309,700 shares outstanding.

What happened to First Bank of Toyama Ltd.’s price movement after its last earnings report?

First Bank of Toyama Ltd. reported an EPS of ¥71.75 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -3.474%.

Which hedge fund is a major shareholder of First Bank of Toyama Ltd.?

Currently, no hedge funds are holding shares in JP:7184

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

First Bank of Toyama Ltd.

The First Bank Of Toyama, Ltd. provides banking and financial services for individual, corporate, and business customers. It offers general accounts; savings, foreign currency, time, periodic, and other deposits; housing, auto, education, remodeling, free, and card loans; investment trust; public bonds; brokerage products; pension and insurance products; and Internet banking services. The company operates 66 branches. The First Bank Of Toyama, Ltd. was founded in 1944 and is headquartered in Toyama, Japan.