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First Bank of Toyama Ltd.
(7184)
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Rating:75Outperform
Price Target:
¥3,724.00
▲(105.18% Upside)
Action:Upgraded
Date:08/17/26
The score is driven primarily by improving financial performance (notably stronger margins and revenue growth) and a healthier, less leveraged balance sheet, tempered by historical cash-flow volatility. Technicals add support due to a strong uptrend and positive momentum, while valuation is reasonable with a moderate dividend yield.
Positive Factors
Profitability and Revenue Growth
Sustained revenue expansion and stronger net margins indicate improved earnings capacity. If profitability remains supported by core banking income, the higher earnings base can strengthen capital generation and provide greater resilience over the next several quarters.
Negative Factors
Historical Cash-Flow Volatility
The sharp historical swings show that cash generation can be affected materially by financial-asset and balance-sheet movements. Even with recent improvement, inconsistent conversion of earnings into cash remains a persistent risk to funding visibility and financial planning.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability and Revenue Growth
Sustained revenue expansion and stronger net margins indicate improved earnings capacity. If profitability remains supported by core banking income, the higher earnings base can strengthen capital generation and provide greater resilience over the next several quarters.
Read all positive factors
First Bank of Toyama Ltd. (7184) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥206.28B
Dividend Yield2.58%
Average Volume (3M)198.25K
Price to Earnings (P/E)11.6
Beta (1Y)1.29
Revenue Growth13.91%
EPS Growth76.61%
CountryJP
Employees623
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)285.82
Shares Outstanding63,000,000
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
First Bank of Toyama Ltd. Business Overview & Revenue Model
Company Description
The First Bank of Toyama, Ltd. offers a comprehensive range of financial services, catering to individual clients, corporate entities, and business ventures. Its extensive product suite encompasses various deposit instruments, such as general, sav...
How the Company Makes Money
First Bank of Toyama Ltd. makes money primarily through (1) net interest income and (2) non-interest (fee) income, plus (3) returns from its securities and other financial operations; however, specific line-item breakdowns are null. (1) Net intere...
First Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
57
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.69B | 50.98B | 47.47B | 36.70B | 32.41B | 26.29B |
| Gross Profit | 53.10B | 46.84B | 46.33B | 33.72B | 31.74B | 23.10B |
| EBITDA | 25.18B | 22.12B | 20.14B | 9.90B | 7.05B | 5.93B |
| Net Income | 17.83B | 15.05B | 13.35B | 5.28B | 4.20B | 3.49B |
Balance Sheet | ||||||
| Total Assets | 1.68T | 1.70T | 1.59T | 1.58T | 1.49T | 1.47T |
| Cash, Cash Equivalents and Short-Term Investments | 146.71B | 83.58B | 80.71B | 68.64B | 74.90B | 55.07B |
| Total Debt | 3.77B | 25.86B | 19.81B | 53.18B | 23.96B | 63.41B |
| Total Liabilities | 1.49T | 1.50T | 1.44T | 1.42T | 1.36T | 1.35T |
| Stockholders Equity | 192.68B | 198.57B | 152.52B | 148.68B | 115.12B | 114.07B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.72B | 4.71B | 7.21B | -24.09B | -4.79B |
| Operating Cash Flow | 0.00 | 4.04B | 5.66B | 8.20B | -23.70B | -4.27B |
| Investing Cash Flow | 0.00 | -46.36B | 11.18B | -12.51B | 46.04B | -14.57B |
| Financing Cash Flow | 0.00 | 42.67B | -2.59B | -2.04B | -1.98B | -800.00M |
First Bank of Toyama Ltd. Technical Analysis
Positive
1815.00
Price Trends
2759.50
Positive
2658.88
Positive
2318.54
Positive
Market Momentum
123.51
Negative
62.48
Neutral
84.81
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7184, the sentiment is Positive. The current price of 1815 is below the 20-day moving average (MA) of 3031.95, below the 50-day MA of 2759.50, and below the 200-day MA of 2318.54, indicating a bullish trend. The MACD of 123.51 indicates Negative momentum. The RSI at 62.48 is Neutral, neither overbought nor oversold. The STOCH value of 84.81 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7184.
First Bank of Toyama Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥206.28B | 11.63 | ― | 2.63% | 13.91% | 76.61% | |
69 Neutral | ¥221.75B | 19.54 | 4.59% | 1.22% | 25.47% | 54.85% | |
69 Neutral | ¥13.16B | 12.86 | ― | 2.68% | 24.30% | -0.84% | |
68 Neutral | ¥217.09B | 18.36 | ― | 2.96% | 23.09% | 35.52% | |
68 Neutral | ¥212.95B | 14.33 | ― | 2.29% | 8.31% | 47.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥239.18B | 20.47 | ― | 2.56% | 30.03% | 47.48% |
* Financial Sector Average
JP:7184
First Bank of Toyama Ltd.
3,255.00
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178.62%
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First Bank of Toyama Ltd. Corporate Events
First Bank of Toyama posts strong Q1 profit jump but guides for lower full-year earnings
Aug 3, 2026
The First Bank of Toyama reported a sharp improvement in performance for the three months ended June 30, 2026, with ordinary income rising 57.0% year on year to ¥21.3 billion and ordinary profit climbing 62.4% to ¥10.9 billion. Profit at...
First Bank of Toyama Completes Treasury Share Disposal for Executive Stock Compensation
Jul 21, 2026
The First Bank of Toyama has completed payment procedures for the disposal of 7,889 treasury shares under its restricted stock compensation program, following a resolution passed by its Board of Directors on June 23, 2026. The shares, priced at &#...
First Bank of Toyama to Grant Restricted Stock to Directors and Executives
Jun 23, 2026
The First Bank of Toyama has approved the disposal of 7,889 treasury shares as restricted stock to eight internal directors and four executive officers, at a price of ¥2,457 per share and a total value of about ¥19.4 million, with paymen...
First Bank of Toyama Reshapes Executive and Governance Structure
Jun 23, 2026
The First Bank of Toyama has announced a new executive and officer structure following resolutions at its 115th Annual General Meeting of Shareholders and subsequent Board of Directors meeting held on June 23, 2026. The leadership lineup confirms ...
First Bank of Toyama Completes ¥5 Billion Share Buyback Program
May 18, 2026
The First Bank of Toyama has completed a share repurchase program authorized by its board on May 12, 2026, using provisions of the Companies Act that allow acquisition of its own shares. The bank acquired 2,000,000 common shares on the market, inc...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.