Tsukuba Bank, Ltd. (JP:8338)
:8338
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Tsukuba Bank, Ltd.
(8338)
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Rating:68Neutral
Price Target:
¥675.00
▲(49.34% Upside)
Action:Reiterated
Date:05/14/26
The score is primarily driven by improved recent profitability and a supportive technical uptrend, with valuation also favorable due to a low P/E. The main constraint is the highly inconsistent cash flow history and modest historical returns, which increase uncertainty around sustainability.
Positive Factors
Revenue & Margin Improvement
Sustained top-line growth and materially higher net and EBIT margins in the latest year reflect stronger loan yields, fee mix, or cost control. This improves earnings power and provides a more durable profit base over the next several months versus prior weak years, supporting reinvestment and buffers against shocks.
Negative Factors
Inconsistent Cash Generation
Wide swings in operating and free cash flow across recent years signal unreliable cash conversion. That variability complicates capital planning, dividend sustainability and loan-loss coverage assumptions, making the bank more vulnerable to interest or credit shocks over a multi-month horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Improvement
Sustained top-line growth and materially higher net and EBIT margins in the latest year reflect stronger loan yields, fee mix, or cost control. This improves earnings power and provides a more durable profit base over the next several months versus prior weak years, supporting reinvestment and buffers against shocks.
Read all positive factors
Tsukuba Bank, Ltd. (8338) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥50.34B
Dividend Yield1.2%
Average Volume (3M)858.69K
Price to Earnings (P/E)7.5
Beta (1Y)1.65
Revenue Growth30.84%
EPS Growth60.48%
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 Ratio0.11
Price to Book (P/B)0.44
Price to Sales (P/S)1.09
P/FCF Ratio2.52
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
76
Positive
Balance Sheet
60
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 36.52B | 43.03B | 35.66B | 36.26B | 32.79B | 32.46B |
| Gross Profit | 36.52B | 37.07B | 33.80B | 35.49B | 31.97B | 32.00B |
| EBITDA | 5.27B | 8.93B | 6.61B | 4.63B | 4.09B | 6.74B |
| Net Income | 4.45B | 6.67B | 4.10B | 2.19B | 2.10B | 4.23B |
Balance Sheet | ||||||
| Total Assets | 2.89T | 2.84T | 2.89T | 2.85T | 2.77T | 2.96T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 164.61B | 307.35B | 351.61B | 334.87B | 524.84B |
| Total Debt | 155.30B | 166.30B | 143.30B | 138.30B | 128.30B | 369.00B |
| Total Liabilities | 2.79T | 2.73T | 2.80T | 2.76T | 2.68T | 2.86T |
| Stockholders Equity | 98.14B | 105.85B | 91.75B | 97.14B | 91.02B | 104.10B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 18.60B | -9.17B | 0.00 | -263.47B | 218.45B |
| Operating Cash Flow | 0.00 | 19.15B | -8.80B | 0.00 | -261.93B | 220.00B |
| Investing Cash Flow | 0.00 | -94.59B | -86.31B | 18.44B | 59.37B | -34.66B |
| Financing Cash Flow | 0.00 | -69.08B | 39.01B | -464.00M | -431.00M | -424.00M |
Tsukuba Bank, Ltd. Technical Analysis
Neutral
452.00
Price Trends
604.56
Positive
584.28
Positive
453.35
Positive
Market Momentum
6.16
Positive
48.08
Neutral
21.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8338, the sentiment is Neutral. The current price of 452 is below the 20-day moving average (MA) of 621.60, below the 50-day MA of 604.56, and below the 200-day MA of 453.35, indicating a neutral trend. The MACD of 6.16 indicates Positive momentum. The RSI at 48.08 is Neutral, neither overbought nor oversold. The STOCH value of 21.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥75.56B | 10.48 | ― | 2.34% | 3.68% | 26.06% | |
70 Outperform | ¥44.24B | 10.24 | ― | 3.28% | 17.02% | 10.99% | |
69 Neutral | ¥134.90B | 40.14 | ― | 0.58% | 24.02% | 5.60% | |
68 Neutral | ¥50.34B | 7.54 | ― | 1.20% | 30.84% | 60.48% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | ¥98.61B | 11.87 | ― | 2.12% | 37.01% | ― | |
58 Neutral | ¥45.44B | -1.87 | ― | 2.87% | 26.62% | -660.86% |
* Financial Sector Average
JP:8338
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Tsukuba Bank, Ltd. Corporate Events
Tsukuba Bank Strengthens Board Lineup With New Director and Executive Promotions
May 12, 2026
Tsukuba Bank has announced a planned reshuffle of its board, elevating Executive Officer Kunihiro Mashiko to director and promoting director Nobuhiro Okano to executive managing director, pending approval at the June 24, 2026 annual general meetin...
Tsukuba Bank posts sharp profit gains and stronger equity base in FY2026
May 12, 2026
Tsukuba Bank reported a strong performance for the fiscal year ended March 31, 2026, with ordinary income rising 22.2% year on year to ¥50.27 billion and ordinary profit jumping 66.6% to ¥7.46 billion. Profit attributable to owners of th...
Tsukuba Bank Reports Unrealized Securities Losses but Lifts Profit Outlook
Apr 30, 2026
Tsukuba Bank has disclosed unrealized losses of ¥1,911 million on its held-to-maturity securities as of March 31, 2026, compared with a book value of ¥35,986 million and a market value of ¥34,074 million. The loss size is equivalent...
Tsukuba Bank Lifts Full-Year Profit Forecast on Strong Loan Interest Income
Apr 30, 2026
Tsukuba Bank has sharply raised its full-year earnings outlook for the fiscal year ended March 31, 2026, citing stronger-than-expected core net business profit and lower credit-related costs. The bank now forecasts consolidated ordinary profit of ...
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...
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.