First Bank of Toyama Ltd. (7184) AI Stock Analysis

• Market Cap: ¥63.82B
• Dividend Yield: 3.79%
• Average Volume (3M): 144.95K
• Price to Earnings (P/E): 4.8
• Beta (1Y): 1.19
• Revenue Growth: 21.73%
• EPS Growth: 151.58%
• Country: JP
• Employees: 611
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): -4.35
• Shares Outstanding: 64,309,700
• 10 Day Avg. Volume: 139,750
• 30 Day Avg. Volume: 144,950
• PEG Ratio: 4.33
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: ¥1,135.00 ▲(12.15%Upside)

First Bank of Toyama Ltd. displays a robust financial performance with strong income growth and a stable balance sheet, which contributes significantly to its overall score. The stock's valuation is attractive with a low P/E ratio and decent dividend yield, making it appealing for value investors. Technical analysis shows some potential for price increase, though caution is advised due to possible overbought conditions. The absence of earnings call data and notable corporate events limits additional insights.

First Bank of Toyama Ltd. Business Overview & Revenue Model

Company Description

First Bank of Toyama Ltd. (7184) is a regional bank in Japan that provides a wide range of financial services primarily in the Toyama prefecture. The bank offers personal and corporate banking services including deposits, loans, and investment advisory. It serves individual customers, small and medium enterprises, and larger corporations with a focus on delivering community-oriented banking solutions.

How the Company Makes Money

First Bank of Toyama Ltd. generates revenue through various financial services and products. The primary sources of income include interest from loans and advances to customers, which forms the core of its traditional banking activities. The bank also earns from fees and commissions charged for services like account maintenance, transaction processing, and advisory services. Additionally, it gains income from investments in securities and financial markets. The bank's strategy often involves building strong local relationships and partnerships with businesses and individuals to support regional economic growth, which in turn contributes to its financial stability and profitability.

First Bank of Toyama Ltd. Financial Statement Overview

Summary

First Bank of Toyama Ltd. presents strong financial performance with robust income growth and profitability, supported by a stable balance sheet and recovering cash flows. The company has effectively managed its cost structure and leverage, enhancing its financial health and stability. However, historical cash flow volatility remains a consideration for future risk assessment.

Income Statement

The income statement shows strong growth, with a consistent increase in total revenue over the years, especially a significant jump from 2024 to 2025. Gross Profit Margin remains high, indicating efficient cost management. Net Profit Margin has improved substantially, suggesting enhanced profitability. The EBIT Margin reflects operational efficiency, and the EBITDA Margin remains robust. Overall, the company demonstrates a positive revenue growth trend and solid profitability metrics.

Balance Sheet

The balance sheet reflects a solid equity base, with Stockholders' Equity steadily increasing. The Debt-to-Equity Ratio has decreased, indicating improved financial leverage and reduced risk. Return on Equity is strong, showcasing effective use of equity to generate profits. The Equity Ratio is healthy, emphasizing a stable capital structure. Despite the positive aspects, maintaining a low Total Debt is crucial for sustained financial health.

Cash Flow

Cash flow statement analysis reveals significant fluctuations in operating cash flow, with notable negative figures in prior years turning positive recently. Free Cash Flow shows recovery, aligning with operational improvements. The Operating Cash Flow to Net Income Ratio suggests improving cash generation efficiency. However, past volatility highlights the need for consistent cash flow generation. Overall, recent trends indicate improvement, but historical volatility poses a risk.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	47.47B	37.66B	34.11B	27.36B	28.41B
Gross Profit	46.22B	37.48B	34.11B	27.17B	28.12B
EBITDA	8.70B	2.44B	7.05B	5.93B	4.58B
Net Income	13.35B	5.28B	4.20B	3.49B	2.29B
Balance Sheet
Total Assets	1.59T	1.58T	1.49T	1.47T	1.43T
Cash, Cash Equivalents and Short-Term Investments	80.71B	68.64B	74.90B	55.07B	75.00B
Total Debt	19.81B	53.18B	23.96B	63.41B	61.65B
Total Liabilities	1.44T	1.42T	1.36T	1.35T	1.31T
Stockholders Equity	152.52B	148.68B	115.12B	114.07B	111.63B
Cash Flow
Free Cash Flow	4.71B	7.21B	-24.09B	-4.79B	-21.54B
Operating Cash Flow	3.35B	8.20B	-23.70B	-4.27B	-21.10B
Investing Cash Flow	11.18B	-12.51B	46.04B	-14.57B	29.63B
Financing Cash Flow	-2.59B	-2.04B	-1.98B	-800.00M	-826.00M

First Bank of Toyama Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1012.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7184, the sentiment is Neutral. The current price of 1012 is above the 20-day moving average (MA) of 988.50, above the 50-day MA of 995.84, and below the 200-day MA of 1034.97, indicating a neutral trend. The MACD of 3.31 indicates Negative momentum. The RSI at 59.58 is Neutral, neither overbought nor oversold. The STOCH value of 91.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7184.

First Bank of Toyama Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7350	78 Outperform	¥69.99B	8.34		3.86%	4.92%	28.04%
7184	75 Outperform	¥63.82B	4.80		3.79%	21.73%	151.58%
7322	72 Outperform	¥78.84B	9.11		4.16%	10.31%	19.79%
8393	68 Neutral	¥62.14B	6.46		2.96%	17.59%	44.54%
Sector *	67 Neutral	$16.89B	11.80	9.79%	3.77%	12.07%	-8.35%
8343	60 Neutral	¥53.68B	9.36		4.00%	7.03%	60.45%
8337	59 Neutral	¥88.69B	12.85		0.67%	5.76%	8.33%

First Bank of Toyama Ltd. Corporate Events

First Bank of Toyama Announces Share Buyback

The First Bank of Toyama, Ltd. announced the acquisition of its own shares, purchasing 136,600 common shares at a total cost of ¥135,063,800 through market purchase. This move is part of a broader strategy approved by the Board of Directors to acquire up to 1,200,000 shares by September 30, 2025, potentially impacting the bank’s share value and shareholder equity.

First Bank of Toyama to Dispose Treasury Shares for Executive Compensation

The First Bank of Toyama, Ltd. announced its decision to dispose of 22,572 treasury shares as part of a restricted stock compensation plan aimed at incentivizing its Directors and Executive Officers. This move, approved by the Board of Directors, is designed to align the interests of the bank’s leadership with shareholders and promote sustainable corporate value growth. The plan includes transfer restrictions on the shares until the officers’ retirement, ensuring long-term commitment to the bank’s objectives.

First Bank of Toyama Announces New Officer Structure

The First Bank of Toyama, Ltd. announced a new structure for its officers and executive officers following its 114th Annual General Meeting of Shareholders. This restructuring includes promotions and new appointments, which are expected to enhance the bank’s operational efficiency and strategic positioning in the financial market.

First Bank of Toyama Announces Share Buyback

The First Bank of Toyama, Ltd. announced the acquisition of its own shares, acquiring 136,600 common shares at a cost of ¥135,063,800 through market purchases. This move is part of a broader strategy approved by the Board of Directors to acquire up to 1,200,000 shares, aiming to enhance shareholder value and optimize capital structure.

First Bank of Toyama Announces Share Buyback Progress

The First Bank of Toyama, Ltd. announced the acquisition of 204,300 of its own shares between May 1 and May 31, 2025, at a total cost of ¥206,359,500 through market purchases. This move is part of a broader strategy approved by the Board of Directors to acquire up to 1,200,000 shares by September 30, 2025, reflecting the bank’s efforts to manage its capital structure and potentially enhance shareholder value.

First Bank of Toyama Reports Strong Financial Growth for Fiscal Year 2025

The First Bank of Toyama, Ltd reported a significant increase in its financial performance for the fiscal year ending March 31, 2025, with ordinary income rising by 25.4% and profit attributable to owners of the parent increasing by 152.7%. This strong performance reflects the bank’s improved operational efficiency and market positioning, which could positively impact its stakeholders and enhance its competitive standing in the industry.

First Bank of Toyama Announces Share Buyback

The First Bank of Toyama, Ltd. announced the acquisition of 263,900 of its own shares between April 1 and April 30, 2025, at a total cost of ¥276,602,100 through market purchases. This acquisition is part of a broader plan approved by the Board of Directors to acquire up to 1,200,000 shares by September 30, 2025, indicating a strategic move to manage its share capital and potentially enhance shareholder value.

First Bank of Toyama Revises Shareholder Return Policy

The First Bank of Toyama, Ltd. announced changes to its shareholder return policy, aiming to increase dividends per share by achieving a payout ratio of at least 35% to profit attributable to owners of the parent. This revision aligns with their long-term vision to enhance stakeholder satisfaction and optimize capital levels for growth investments.