Business Model StrengthTomato Bank’s retail-focused product mix (interest from loans, deposit services, fees, and investments) builds a diversified, sticky deposit and lending franchise. That steady, customer-centric revenue base supports durable net interest and fee income over a 2–6 month horizon.

Improving Profitability MetricsAn improved net profit margin and stable EBIT margin indicate rising operational efficiency and better cost control. Sustained margins enhance the bank’s ability to absorb credit losses, fund strategic initiatives, and maintain dividend capacity, supporting medium-term earnings resilience.

Reduced LeverageA lower debt-to-equity ratio signals reduced financial risk and greater balance-sheet flexibility. Improved leverage increases capacity to lend, withstand asset shocks, and allocate capital without immediate refinancing pressure, strengthening the bank’s structural stability.

Bears Say

Revenue DeclineA meaningful decline in revenue growth erodes scale and can compress fee and interest income over time. If persistent, top-line weakness pressures margins, limits reinvestment and branching/lending expansion, and makes earnings gains from efficiency harder to sustain.

Low Return On EquityROE near 3.25% points to weak capital efficiency and modest shareholder returns versus peers. Persistently low ROE limits the bank’s ability to attract capital, fund growth organically, or justify higher risk-taking without strategic changes to improve profitability.

Cash-flow Volatility & Cost PressureHistorical negative operating cash flows combined with a declining EBITDA margin suggest episodic cash generation and rising cost pressure. Such volatility can constrain lending capacity, capital expenditures, and dividend payouts, increasing execution risk over the medium term.

8542 FAQ

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

Tomato Bank, Ltd. lowest stock price was ¥1020.00 and its highest was ¥1876.00 in the past 12 months.

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

Tomato Bank, Ltd.’s market cap is ¥20.31B.

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

Tomato Bank, Ltd.’s upcoming earnings report date is May 07, 2026 which is in 77 days.

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

Tomato Bank, Ltd. released its earnings results on Feb 03, 2026. The company reported ¥76.74 earnings per share for the quarter, beating the consensus estimate of N/A by ¥76.74.

Is Tomato Bank, Ltd. overvalued?

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

Does Tomato Bank, Ltd. pay dividends?

Tomato Bank, Ltd. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 3.37%. See more information on Tomato Bank, Ltd. dividends here

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

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

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

Tomato Bank, Ltd. has 11,679,030 shares outstanding.

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

Tomato Bank, Ltd. reported an EPS of ¥76.74 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 10.133%.

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

Currently, no hedge funds are holding shares in JP:8542

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

Tomato Bank, Ltd.

Tomato Bank, Ltd. provides banking products and services for individual and corporate customers in Japan. It accepts saving, time, reserve, and foreign currency deposits, as well as provides loan products, such as card, housing, remodeling, free, car, education, and other loans. The company also offers debit and credit cards; life and non-life insurance products and services; and bonds. In addition, it provides pension, investment trust, electronic money charge, payment and transfer, safe deposit box, and Internet and mobile banking services. Further, the company provides consulting, business support, fund management, and ATM services. As of June 30, 2021, it operated a network of 61 branches. The company was formerly known as Sanyo Mutual Bank, Ltd. and changed its name to Tomato Bank, Ltd. in April 1989. Tomato Bank, Ltd. was incorporated in 1931 and is headquartered in Okayama, Japan.