Want to see JP:7184 full AI Analyst Report?
Top Page
First Bank of Toyama Ltd.
(7184)
Select Model
Select Model
Rating:68Neutral
Price Target:
¥3,071.00
▲(69.20% Upside)
Action:Downgraded
Date:05/13/26
The score is driven mainly by improved profitability and a stronger, less-levered balance sheet, tempered by cash-flow volatility. Valuation is supportive with a low P/E and solid dividend yield, while technical indicators are mixed with weaker near-term price action but a better longer-term trend.
Positive Factors
Margin Expansion
Sustained margin widening indicates structural improvement in core banking profitability, likely from higher net interest margins and cost control. Durable margin strength supports internal capital generation and resilience to cyclical pressure, bolstering long-term earnings power.
Negative Factors
Cash-flow Volatility
Historic swings in operating cash flow reflect sensitivity to financial-asset and working-capital movements; such volatility can complicate capital planning, weaken certainty around distributions, and increase reliance on balance-sheet buffers during downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin Expansion
Sustained margin widening indicates structural improvement in core banking profitability, likely from higher net interest margins and cost control. Durable margin strength supports internal capital generation and resilience to cyclical pressure, bolstering long-term earnings power.
Read all positive factors
First Bank of Toyama Ltd. (7184) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥175.55B
Dividend Yield2.63%
Average Volume (3M)198.25K
Price to Earnings (P/E)11.5
Beta (1Y)1.22
Revenue Growth5.33%
EPS Growth14.45%
CountryJP
Employees611
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)238.83
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
The company primarily makes money through (1) net interest income, earning interest on loans and other interest-bearing assets (such as securities) and paying interest on deposits and other funding; (2) fee and commission income from services such...
First Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
57
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 50.98B | 47.47B | 36.70B | 32.41B | 26.29B |
| Gross Profit | 46.84B | 46.33B | 33.72B | 31.74B | 23.10B |
| EBITDA | 22.12B | 20.14B | 9.90B | 7.05B | 5.93B |
| Net Income | 15.05B | 13.35B | 5.28B | 4.20B | 3.49B |
Balance Sheet | |||||
| Total Assets | 1.70T | 1.59T | 1.58T | 1.49T | 1.47T |
| Cash, Cash Equivalents and Short-Term Investments | 83.58B | 80.71B | 68.64B | 74.90B | 55.07B |
| Total Debt | 25.86B | 19.81B | 53.18B | 23.96B | 63.41B |
| Total Liabilities | 1.50T | 1.44T | 1.42T | 1.36T | 1.35T |
| Stockholders Equity | 198.57B | 152.52B | 148.68B | 115.12B | 114.07B |
Cash Flow | |||||
| Free Cash Flow | 3.72B | 4.71B | 7.21B | -24.09B | -4.79B |
| Operating Cash Flow | 4.04B | 5.66B | 8.20B | -23.70B | -4.27B |
| Investing Cash Flow | -46.36B | 11.18B | -12.51B | 46.04B | -14.57B |
| Financing Cash Flow | 42.67B | -2.59B | -2.04B | -1.98B | -800.00M |
First Bank of Toyama Ltd. Technical Analysis
Positive
1815.00
Price Trends
2550.72
Positive
2534.38
Positive
2109.22
Positive
Market Momentum
54.81
Negative
73.45
Negative
88.70
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 2535.55, below the 50-day MA of 2550.72, and below the 200-day MA of 2109.22, indicating a bullish trend. The MACD of 54.81 indicates Negative momentum. The RSI at 73.45 is Negative, neither overbought nor oversold. The STOCH value of 88.70 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥194.00B | 15.52 | ― | 2.96% | 21.41% | 42.73% | |
70 Outperform | ¥199.99B | 18.47 | 3.68% | 2.26% | 23.47% | 44.33% | |
68 Neutral | ¥175.55B | 11.53 | ― | 2.63% | 5.33% | 14.45% | |
68 Neutral | ¥211.04B | 20.16 | ― | 2.56% | 31.60% | 29.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥195.89B | 13.49 | ― | 2.29% | 9.41% | 45.92% | |
58 Neutral | ¥12.71B | 12.05 | ― | 2.68% | 24.95% | 10.64% |
* Financial Sector Average
JP:7184
First Bank of Toyama Ltd.
2,730.00
1,727.82
172.41%
JP:8392
Oita Bank
2,560.00
1,727.34
207.45%
JP:7322
San ju San Financial Group, Inc.
1,818.00
1,020.71
128.02%
JP:8360
Yamanashi Chuo Bank, Ltd.
6,530.00
3,904.48
148.71%
JP:8365
Bank of Toyama Ltd.
2,330.00
841.50
56.53%
JP:8393
Miyazaki Bank Ltd.
2,249.00
1,491.94
197.07%
First Bank of Toyama Ltd. Corporate Events
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...
First Bank of Toyama Nearly Completes ¥5.5 Billion Share Buyback via ToSTNeT-3
May 13, 2026
The First Bank of Toyama has conducted a significant repurchase of its own shares via the Tokyo Stock Exchange’s off-auction treasury share repurchase trading system, ToSTNeT-3. The bank bought 1,900,800 common shares for a total of ¥4....
First Bank of Toyama Launches Up to ¥5.5 Billion Share Buyback
May 12, 2026
The First Bank of Toyama has approved a share repurchase program under Japan’s Companies Act, authorizing the acquisition of up to 2 million common shares, or 3.18% of its outstanding stock excluding treasury shares. The maximum total cost f...
First Bank of Toyama Updates Long-Term Vision to Boost Regional Growth Investments
May 12, 2026
The First Bank of Toyama has updated elements of its ten-year management plan, “First Bank VISION 10,” which runs from fiscal 2023 to fiscal 2032, following a review of changing business conditions including a return to an interest rat...
First Bank of Toyama Launches Share Buyback and Cancellation to Tighten Capital Base
May 12, 2026
The First Bank of Toyama has approved a share buyback and subsequent cancellation as part of efforts to run a more flexible capital policy amid a changing business environment. The bank plans to repurchase up to 2 million common shares, representi...
First Bank of Toyama Raises Year-End Dividend After Earnings Beat
May 12, 2026
The First Bank of Toyama will propose a higher year-end dividend of ¥56 per share for the fiscal year ended March 31, 2026, up from a previously forecast ¥50 and far above the prior year’s ¥19, bringing the planned annual divi...
First Bank of Toyama Posts Higher Profits and Capital, Lifts Dividend While Guiding Lower
May 12, 2026
The First Bank of Toyama reported consolidated ordinary income of ¥53.1 billion and profit attributable to owners of the parent of ¥15.1 billion for the fiscal year ended March 31, 2026, representing year-on-year gains of 9.6% and 12.7%,...
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.