Strong Regional FranchiseTohoku Bank's role supporting local economic development creates deep customer relationships and a stable deposit base. That structural regional franchise yields predictable low-cost funding, steady loan demand from local businesses and opportunities to cross-sell services, supporting recurring revenue and resilience over months.

Very Low Leverage / Strong CapitalA debt-to-equity ratio of ~0.031 and a robust equity ratio provide a meaningful capital buffer. This low leverage supports lending through downturns, regulatory flexibility, and shock absorption without urgent capital raises, underpinning durable financial stability and capacity for measured growth.

Improving Free Cash FlowRecent significant improvement in free cash flow and a free cash flow to net income ratio near 1 indicate better cash conversion. Durable cash generation enhances the bank's ability to fund dividends, reinvest in the balance sheet, and support lending without relying on volatile external financing.

Bears Say

Weak Return On EquityROE at ~3.02% is low for a banking franchise and indicates limited profitability versus capital employed. Persistently low ROE constrains internal capital accumulation, reduces shareholder return potential, and forces pressure on margins or cost structure to deliver sustainable long-term returns.

Declining Revenue GrowthA -6.39% revenue decline in the latest year signals structural pressure on core income drivers like loan growth and fee revenue. Sustained top-line weakness limits scale economics, compresses net interest margin recovery potential, and reduces funds available for reinvestment in digital and branch services.

Cash Flow Volatility And Disclosure GapPrior negative cash flows and the absence of an operating cash flow to net income ratio point to cash volatility and limited transparency. That complicates liquidity planning and reduces confidence in the predictability of earnings conversion to cash, raising medium-term operational risk.

8349 FAQ

What was Tohoku Bank, Ltd.’s price range in the past 12 months?

Tohoku Bank, Ltd. lowest stock price was ¥905.00 and its highest was ¥1703.00 in the past 12 months.

What is Tohoku Bank, Ltd.’s market cap?

Tohoku Bank, Ltd.’s market cap is ¥15.52B.

When is Tohoku Bank, Ltd.’s upcoming earnings report date?

Tohoku Bank, Ltd.’s upcoming earnings report date is May 19, 2026 which is in 88 days.

How were Tohoku Bank, Ltd.’s earnings last quarter?

Tohoku Bank, Ltd. released its earnings results on Jan 30, 2026. The company reported ¥38.42 earnings per share for the quarter, beating the consensus estimate of N/A by ¥38.42.

Is Tohoku Bank, Ltd. overvalued?

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

Does Tohoku Bank, Ltd. pay dividends?

Tohoku Bank, Ltd. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 3.58%. See more information on Tohoku Bank, Ltd. dividends here

What is Tohoku Bank, Ltd.’s EPS estimate?

Tohoku Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Tohoku Bank, Ltd. have?

Tohoku Bank, Ltd. has 9,509,963 shares outstanding.

What happened to Tohoku Bank, Ltd.’s price movement after its last earnings report?

Tohoku Bank, Ltd. reported an EPS of ¥38.42 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.261%.

Which hedge fund is a major shareholder of Tohoku Bank, Ltd.?

Currently, no hedge funds are holding shares in JP:8349

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

Tohoku Bank, Ltd.

The Tohoku Bank, Ltd. provides various banking and financial services for individual and corporate customers in Japan. The company also provides saving/general accounts, time deposits, investment trust, and government bonds; debit and credit cards; payment collection services; and internet and mobile banking services. It offers various loans, such as housing, car, card, free, education, remodeling, travel, bridal, mortgage, reconstruction support, medical/long-term, and agricultural loans. In addition, the company provides medical/ cancer, personal annuity, whole life, term, and income security insurance products; and pension services. As of March 31, 2020, it operated 55 stores and 2 branch offices. The company was founded in 1950 and is headquartered in Morioka, Japan.