First Bank of Toyama Ltd. (JP:7184)
:7184
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First Bank of Toyama Ltd.
(7184)
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Rating:72Outperform
Price Target:
¥2,640.00
▲(45.45% Upside)
Action:ReiteratedDate:02/07/26
The score is driven primarily by strong financial performance (revenue/profitability growth and a stable balance sheet), supported by a clear uptrend in price. Offsetting factors include overbought technical signals and only moderate valuation support given the modest dividend yield.
Positive Factors
Revenue Growth Trend
Sustained top-line growth and a notable revenue jump indicate expanding customer penetration and stronger loan/deposit activity in the regional market. Over 2-6 months this supports recurring earnings, funds for reinvestment, and a firmer base for underwriting and branch-led growth initiatives.
Negative Factors
Operating Cash Flow Volatility
Historic swings in operating cash flow weaken predictability of cash available for loan loss reserves, capex, or shareholder returns. Even with recent improvement, persistent volatility undermines earnings quality and constrains strategic flexibility if adverse credit or funding stress reappears.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained top-line growth and a notable revenue jump indicate expanding customer penetration and stronger loan/deposit activity in the regional market. Over 2-6 months this supports recurring earnings, funds for reinvestment, and a firmer base for underwriting and branch-led growth initiatives.
Read all positive factors
First Bank of Toyama Ltd. (7184) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥151.31B
Dividend Yield2.63%
Average Volume (3M)198.25K
Price to Earnings (P/E)8.8
Beta (1Y)1.27
Revenue Growth23.55%
EPS Growth-21.15%
CountryJP
Employees611
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)167.13
Shares Outstanding64,309,700
10 Day Avg. Volume146,740
30 Day Avg. Volume198,253
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.48
Price to Sales (P/S)1.54
P/FCF Ratio15.57
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. provides banking and financial services for individual, corporate, and business customers. It offers general accounts; savings, foreign currency, time, periodic, and other deposits; housing, auto, education, remodeli...
How the Company Makes Money
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First Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
80
Positive
Balance Sheet
75
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 41.73B | 47.47B | 36.70B | 32.41B | 26.29B | 25.98B |
| Gross Profit | 39.81B | 46.33B | 33.72B | 31.74B | 23.10B | 22.71B |
| EBITDA | 14.12B | 20.14B | 9.90B | 7.05B | 5.93B | 4.58B |
| Net Income | 10.29B | 13.35B | 5.28B | 4.20B | 3.49B | 2.29B |
Balance Sheet | ||||||
| Total Assets | 1.61T | 1.59T | 1.58T | 1.49T | 1.47T | 1.43T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 80.71B | 68.64B | 74.90B | 55.07B | 75.00B |
| Total Debt | 10.08B | 19.81B | 53.18B | 23.96B | 63.41B | 61.65B |
| Total Liabilities | 1.45T | 1.44T | 1.42T | 1.36T | 1.35T | 1.31T |
| Stockholders Equity | 158.60B | 152.52B | 148.68B | 115.12B | 114.07B | 111.63B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.71B | 7.21B | -24.09B | -4.79B | -21.54B |
| Operating Cash Flow | 0.00 | 5.66B | 8.20B | -23.70B | -4.27B | -21.10B |
| Investing Cash Flow | 0.00 | 11.18B | -12.51B | 46.04B | -14.57B | 29.63B |
| Financing Cash Flow | 0.00 | -2.59B | -2.04B | -1.98B | -800.00M | -826.00M |
First Bank of Toyama Ltd. Technical Analysis
Neutral
1815.00
Price Trends
2448.48
Negative
2071.59
Positive
1628.34
Positive
Market Momentum
0.07
Positive
45.55
Neutral
58.00
Neutral
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 1815 is below the 20-day moving average (MA) of 2478.05, below the 50-day MA of 2448.48, and above the 200-day MA of 1628.34, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 45.55 is Neutral, neither overbought nor oversold. The STOCH value of 58.00 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥151.31B | 8.80 | ― | 2.63% | 23.55% | -21.15% | |
72 Outperform | ¥139.92B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
72 Outperform | ¥146.72B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
71 Outperform | ¥150.92B | 7.21 | ― | 2.96% | 14.85% | 21.17% | |
69 Neutral | ¥149.17B | 9.79 | ― | 2.56% | 17.66% | 49.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥12.08B | 21.28 | ― | 2.68% | 5.57% | -23.26% |
* Financial Sector Average
JP:7184
First Bank of Toyama Ltd.
2,378.00
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126.03%
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First Bank of Toyama Ltd. Corporate Events
First Bank of Toyama Lifts Profit Outlook and Sharply Increases Dividend Forecast
Feb 6, 2026
The First Bank of Toyama has sharply raised its earnings outlook for the fiscal year ending March 31, 2026, forecasting consolidated ordinary profit of ¥20.3 billion and profit attributable to owners of parent of ¥14.0 billion, both arou...
First Bank of Toyama Profits Decline but Capital and Dividend Outlook Strengthen
Feb 6, 2026
For the nine months ended December 31, 2025, The First Bank of Toyama reported a year-on-year decline in performance, with ordinary income down 8.3% to ¥37.86 billion, ordinary profit down 23.8% to ¥14.74 billion and profit attributable ...
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.