Tsukuba Bank, Ltd. (8338) AI Stock Analysis

• Market Cap: ¥18.98B
• Dividend Yield: 2.17%
• Average Volume (3M): 551.39K
• Price to Earnings (P/E): 4.6
• Beta (1Y): 1.37
• Revenue Growth: -0.24%
• EPS Growth: 3.49%
• Country: JP
• Employees: 1,335
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 18.88
• Shares Outstanding: 82,553,720
• 10 Day Avg. Volume: 411,990
• 30 Day Avg. Volume: 551,386
• PEG Ratio: -0.17
• Price to Book (P/B): 0.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.07
• 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: 60 Neutral
• Price Target: ―

Tsukuba Bank's overall stock score reflects strong operational efficiency and a stable asset base, but is tempered by declining profitability and severe cash flow management challenges. Despite attractive valuation metrics, market sentiment remains cautious, as indicated by mixed technical indicators and potential overbought conditions. The lack of recent earnings call and corporate event data means the score heavily relies on financial performance and technical analysis.

Tsukuba Bank, Ltd. Business Overview & Revenue Model

Company Description

Tsukuba Bank, Ltd. (8338) is a regional financial institution headquartered in Japan, primarily serving the Ibaraki Prefecture and surrounding areas. The bank offers a comprehensive range of financial services, including personal and corporate banking, loans, mortgages, and investment services. Tsukuba Bank is committed to supporting the local economy by providing tailored financial solutions to meet the needs of individuals, small and medium-sized enterprises (SMEs), and larger corporations.

How the Company Makes Money

Tsukuba Bank, Ltd. generates revenue through various streams typical of traditional banking institutions. The primary source of income comes from the interest earned on loans and mortgages given to individuals and businesses. Additionally, the bank earns fee income from services such as transaction processing, account maintenance charges, and financial advisory services. Tsukuba Bank also benefits from its investment portfolio, which includes government bonds and other financial instruments. Partnerships with local businesses and community initiatives further enhance the bank's market presence, reinforcing customer loyalty and expanding its client base.

Tsukuba Bank, Ltd. Financial Statement Overview

Summary

Tsukuba Bank exhibits strong operational efficiency with stable revenue growth and solid asset base. However, challenges include declining net profit margins and severe cash flow management issues, despite a strong balance sheet.

Income Statement

The income statement of Tsukuba Bank shows a stable gross profit margin with a notable increase in total revenue over recent years. The gross profit margin for TTM is 96.67%, indicating strong cost management. However, the net profit margin has declined to 5.23% from its previous levels, suggesting pressure on net income. Revenue growth has been positive, with a 10.55% increase from 2023 to 2024. The EBIT margin for TTM is healthy at 29.47%, showing operational efficiency, despite a lower EBITDA margin of 5.47% due to high depreciation or amortization expenses.

Balance Sheet

The balance sheet reflects strong liquidity, with significant cash reserves. The debt-to-equity ratio improved to 1.46 in TTM, indicating manageable leverage. Stockholders' equity remains stable, contributing to an equity ratio of 3.22%. The return on equity (ROE) has decreased to 2.17%, reflecting challenges in generating returns for shareholders. Overall, the bank maintains a robust asset base and financial stability.

Cash Flow

Cash flow analysis reveals challenges, with a lack of operating cash flow in TTM. The free cash flow growth rate shows volatility, and the operating cash flow to net income ratio is non-existent due to zero reported operating cash flow, indicating potential cash management issues. Despite previous strong free cash flow figures, the current situation poses a risk.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
39.23B	37.84B	35.49B	31.97B	32.00B	31.04B
	Gross Profit
37.92B	0.00	35.34B	31.97B	32.00B	31.04B
	EBIT
11.56B	5.34B	6.47B	1.81B	2.40B	2.18B
	EBITDA
4.52B	5.34B	0.00	4.09B	6.74B	4.27B
	Net Income Common Stockholders
2.05B	4.10B	2.19B	2.10B	4.23B	1.76B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
373.40B	0.00	351.61B	334.87B	525.04B	357.13B
	Total Assets
2.94T	2.89T	2.85T	2.77T	2.96T	2.70T
	Total Debt
138.30B	155.30B	167.82B	128.30B	369.00B	158.00B
	Net Debt
-235.10B	155.30B	-213.31B	-206.57B	-155.84B	-199.13B
	Total Liabilities
2.84T	2.80T	2.76T	2.68T	2.86T	2.59T
	Stockholders Equity
94.48B	91.75B	97.14B	91.02B	104.10B	112.31B
Cash Flow		Free Cash Flow
0.00	-9.17B	11.02B	-263.47B	218.45B	172.86B
	Operating Cash Flow
0.00	-8.80B	12.61B	-261.93B	220.00B	174.18B
	Investing Cash Flow
0.00	-86.31B	18.44B	59.37B	-34.66B	-30.96B
	Financing Cash Flow
0.00	56.53B	-464.00M	-431.00M	-424.00M	-416.00M

Tsukuba Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 230.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8338, the sentiment is Negative. The current price of 230 is below the 20-day moving average (MA) of 235.20, below the 50-day MA of 232.78, and below the 200-day MA of 237.06, indicating a bearish trend. The MACD of -2.04 indicates Positive momentum. The RSI at 38.87 is Neutral, neither overbought nor oversold. The STOCH value of 23.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8338.

Tsukuba Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8395	72 Outperform	¥37.24B	5.06		3.56%	12.46%	94.62%
8354	70 Outperform	$748.74B	10.22	7.30%	3.59%	15.35%	-1.62%
8386	65 Neutral	¥117.28B	8.67		2.88%	-0.27%	38.79%
Sector *	64 Neutral	$6.48B	10.79	6.50%	5.16%	24.88%	-1.54%
8338	60 Neutral	¥18.98B	4.63		2.17%	-0.24%	3.49%

Tsukuba Bank, Ltd. Corporate Events

Tsukuba Bank Reports Financial Results with Mixed Outcomes

Tsukuba Bank reported its consolidated financial results for the nine months ended December 31, 2024, showing a slight increase in ordinary revenues by 1.1% compared to the previous year. However, the bank experienced declines in ordinary profit and profit attributable to owners, with decreases of 2.7% and 5.3%, respectively. The bank’s total assets grew to approximately ¥2,938,568 million, yet net assets and capital adequacy ratio saw reductions. The forecast for the fiscal year ending March 31, 2025, indicates significant expected growth in ordinary profit and profit attributable to owners, suggesting a potential improvement in financial performance.