Tsukuba Bank, Ltd. (JP:8338)
:8338
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Tsukuba Bank, Ltd.
(8338)
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Rating:65Neutral
Price Target:
¥594.00
▲(31.42% Upside)
Action:ReiteratedDate:03/06/26
The score is driven primarily by mixed financial performance—particularly weak cash flow and negative revenue growth—partly offset by a stable balance sheet and strong margins. Technicals are soft in the near term, while the low P/E provides meaningful valuation support.
Positive Factors
Regional retail & commercial franchise
Tsukuba Bank’s core franchise—serving individuals, SMEs and local governments—creates a durable deposit and lending base tied to local economic activity. That client diversification supports steady net interest income and fee streams over time, reducing exposure to single-sector shocks.
Negative Factors
Negative operating & free cash flow
Recent negative operating and free cash flows indicate the bank struggled to convert accounting profits into cash. Persistently weak cash generation limits capacity to fund lending growth, dividends or build liquidity buffers, raising structural funding and capital flexibility risks.
Read all positive and negative factors
Positive Factors
Negative Factors
Regional retail & commercial franchise
Tsukuba Bank’s core franchise—serving individuals, SMEs and local governments—creates a durable deposit and lending base tied to local economic activity. That client diversification supports steady net interest income and fee streams over time, reducing exposure to single-sector shocks.
Read all positive factors
Tsukuba Bank, Ltd. (8338) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥49.18B
Dividend Yield1.2%
Average Volume (3M)858.69K
Price to Earnings (P/E)4.5
Beta (1Y)1.64
Revenue Growth14.35%
EPS Growth253.31%
CountryJP
Employees1,335
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)53.99
Shares Outstanding82,553,720
10 Day Avg. Volume901,940
30 Day Avg. Volume858,693
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.23
Price to Sales (P/S)0.58
P/FCF Ratio-2.25
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
Tsukuba Bank, Ltd. Business Overview & Revenue Model
Company Description
Tsukuba Bank, Ltd. provides various banking products and services primarily in Ibaraki prefecture in Japan. It offers deposits and loans; insurance; and asset management and other services. It operates through a network of 149 branches in Japan. T...
How the Company Makes Money
Tsukuba Bank’s earnings are primarily driven by (1) net interest income and (2) non-interest income. Net interest income comes from the spread between interest earned on interest-bearing assets—most importantly loans to corporate and retail custom...
Tsukuba Bank, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 36.52B | 35.66B | 36.26B | 32.79B | 32.46B | 31.68B |
| Gross Profit | 36.52B | 33.80B | 35.49B | 31.97B | 32.00B | 31.04B |
| EBITDA | 5.27B | 6.61B | 4.63B | 4.09B | 6.74B | 4.27B |
| Net Income | 4.45B | 4.10B | 2.19B | 2.10B | 4.23B | 1.76B |
Balance Sheet | ||||||
| Total Assets | 2.89T | 2.89T | 2.85T | 2.77T | 2.96T | 2.70T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 307.35B | 351.61B | 334.87B | 524.84B | 357.13B |
| Total Debt | 155.30B | 143.30B | 138.30B | 128.30B | 369.00B | 158.00B |
| Total Liabilities | 2.79T | 2.80T | 2.76T | 2.68T | 2.86T | 2.59T |
| Stockholders Equity | 98.14B | 91.75B | 97.14B | 91.02B | 104.10B | 112.31B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -9.17B | 0.00 | -263.47B | 218.45B | 0.00 |
| Operating Cash Flow | 0.00 | -8.80B | 0.00 | -261.93B | 220.00B | 0.00 |
| Investing Cash Flow | 0.00 | -86.31B | 18.44B | 59.37B | -34.66B | -30.96B |
| Financing Cash Flow | 0.00 | 39.01B | -464.00M | -431.00M | -424.00M | 151.61B |
Tsukuba Bank, Ltd. Technical Analysis
Positive
452.00
Price Trends
626.99
Negative
527.06
Positive
405.54
Positive
Market Momentum
4.65
Negative
52.78
Neutral
64.35
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8338, the sentiment is Positive. The current price of 452 is below the 20-day moving average (MA) of 601.88, below the 50-day MA of 626.99, and above the 200-day MA of 405.54, indicating a neutral trend. The MACD of 4.65 indicates Negative momentum. The RSI at 52.78 is Neutral, neither overbought nor oversold. The STOCH value of 64.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8338.
Tsukuba Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥37.49B | 24.09 | ― | 2.87% | 21.47% | 153.64% | |
69 Neutral | ¥69.94B | 6.31 | ― | 2.34% | 1.06% | 46.07% | |
68 Neutral | ¥38.67B | 10.62 | ― | 3.28% | 18.67% | -17.66% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥49.18B | 4.49 | ― | 1.20% | 14.35% | 253.31% | |
65 Neutral | ¥125.83B | 9.42 | ― | 0.58% | 19.29% | 26.32% | |
52 Neutral | ¥100.59B | 6.95 | ― | 2.12% | 22.55% | -535.95% |
* Financial Sector Average
JP:8338
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Tsukuba Bank, Ltd. Corporate Events
Tsukuba Bank to Cut Share Capital by ¥17.5 Billion for Greater Financial Flexibility
Mar 30, 2026
Tsukuba Bank, Ltd. plans to reduce its share capital by ¥17.5 billion, lowering it from ¥48.87 billion to ¥31.37 billion, with the reduced amount transferred to other capital surplus under Japan’s Companies Act. The move is de...
Tsukuba Bank Posts Sharp Profit Surge and Stronger Capital for Nine-Month Period
Feb 5, 2026
Tsukuba Bank reported a sharp improvement in earnings for the nine months ended December 31, 2025, with ordinary income rising 23.0% year on year to ¥37.4 billion and ordinary profit more than doubling to ¥6.6 billion. Profit attributabl...
Tsukuba Bank Reports ¥1.38 Billion Unrealized Bond Losses With No Change to Earnings Outlook
Jan 29, 2026
Tsukuba Bank has disclosed that unrealized losses on its held-to-maturity bond portfolio totaled ¥1,376 million as of the end of the third quarter for the fiscal year ending March 31, 2026, compared with a book value of ¥30,010 million a...
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.