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Toho Bank, Ltd. (JP:8346)
:8346
Japanese Market
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Toho Bank, Ltd. (8346) AI Stock Analysis

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JP:8346

Toho Bank, Ltd.

(8346)

Rating:75Outperform
Price Target:
¥450.00
▲(13.07% Upside)
Toho Bank, Ltd. receives a solid overall stock score of 75, driven primarily by its strong financial performance and positive technical indicators. The bank's reasonable valuation further supports the score. However, increased leverage on the balance sheet and the need for improved operational efficiency are areas to monitor.

Toho Bank, Ltd. (8346) vs. iShares MSCI Japan ETF (EWJ)

Toho Bank, Ltd. Business Overview & Revenue Model

Company DescriptionToho Bank, Ltd. (8346) is a prominent regional bank based in Japan, primarily serving the Tohoku region. The bank offers a comprehensive range of financial services, including retail banking, corporate banking, and various investment services. Its core products encompass deposit accounts, loans, foreign exchange services, and asset management solutions, catering to individuals, small to medium-sized enterprises, and larger corporations. Toho Bank is dedicated to supporting local economic development and fostering community growth through its financial offerings.
How the Company Makes MoneyToho Bank generates revenue primarily through the interest income from loans and advances provided to its clients. The bank lends money to individuals and businesses at a higher interest rate than what it pays on deposits, creating a profit margin. Additionally, Toho Bank earns fees from various financial services, including account maintenance, transaction fees, and investment advisory services. The bank may also derive income from foreign exchange transactions and trading activities. Significant partnerships with local businesses and government entities further enhance its revenue streams by providing tailored financial solutions to meet the needs of the community.

Toho Bank, Ltd. Financial Statement Overview

Summary
Toho Bank, Ltd. demonstrates solid financial performance with strong revenue growth and improved profitability. The balance sheet shows increased leverage, which requires careful management. Cash flow metrics indicate robust cash generation, though the conversion of net income to free cash flow could be improved.
Income Statement
75
Positive
Toho Bank, Ltd. has shown a consistent increase in revenue over the past few years, with a notable revenue growth rate of 3.72% in the most recent year. The net profit margin has improved to 10.96%, indicating enhanced profitability. However, the EBIT and EBITDA margins have slightly decreased compared to previous years, suggesting some operational challenges.
Balance Sheet
65
Positive
The bank's debt-to-equity ratio has increased to 1.13, indicating higher leverage, which could pose a risk if not managed properly. Return on equity has improved to 3.77%, reflecting better utilization of equity. The equity ratio remains stable, suggesting a balanced asset structure.
Cash Flow
70
Positive
Operating cash flow has significantly improved, providing a strong coverage ratio of 3.52. Free cash flow has also grown, indicating better cash management. However, the free cash flow to net income ratio of 0.88 suggests that not all net income is translating into free cash flow, which could be a concern.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue64.13B64.86B53.67B54.72B57.35B52.99B
Gross Profit63.86B64.13B56.98B52.91B57.35B43.78B
EBITDA47.86B9.79B10.95B9.52B12.01B-3.81B
Net Income7.45B7.45B5.25B4.49B6.75B-4.66B
Balance Sheet
Total Assets6.65T6.65T6.76T6.61T7.14T6.79T
Cash, Cash Equivalents and Short-Term Investments1.24T1.24T1.80T1.99T2.80T2.34T
Total Debt222.05B222.05B198.94B182.47B690.05B426.81B
Total Liabilities6.46T6.46T6.55T6.42T6.94T6.60T
Stockholders Equity197.23B197.23B206.18B191.01B192.74B191.39B
Cash Flow
Free Cash Flow0.0024.24B1.75B-768.00B40.07B852.74B
Operating Cash Flow0.0027.62B6.71B-759.85B42.75B856.01B
Investing Cash Flow0.00-350.27B-302.83B-49.66B-44.37B-133.56B
Financing Cash Flow0.00-143.11B101.56B-1.90B-1.27B-1.27B

Toho Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price398.00
Price Trends
50DMA
361.44
Positive
100DMA
347.32
Positive
200DMA
323.63
Positive
Market Momentum
MACD
10.92
Positive
RSI
61.71
Neutral
STOCH
45.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8346, the sentiment is Positive. The current price of 398 is above the 20-day moving average (MA) of 391.10, above the 50-day MA of 361.44, and above the 200-day MA of 323.63, indicating a bullish trend. The MACD of 10.92 indicates Positive momentum. The RSI at 61.71 is Neutral, neither overbought nor oversold. The STOCH value of 45.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8346.

Toho Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥127.91B9.46
2.98%5.74%10.39%
77
Outperform
¥93.80B10.59
2.77%15.39%24.95%
75
Outperform
¥100.32B11.72
2.26%25.01%51.67%
74
Outperform
¥130.70B8.32
2.87%-7.59%76.05%
73
Outperform
¥98.97B12.14
2.46%8.18%25.89%
70
Outperform
¥134.56B10.85
2.59%3.78%1.63%
68
Neutral
$17.90B11.8610.29%3.72%9.74%1.66%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8346
Toho Bank, Ltd.
398.00
132.97
50.17%
JP:7322
San ju San Financial Group, Inc.
3,605.00
1,859.21
106.50%
JP:8336
Musashino Bank, Ltd.
3,865.00
1,056.95
37.64%
JP:8360
Yamanashi Chuo Bank, Ltd.
3,095.00
1,423.22
85.13%
JP:8361
Ogaki Kyoritsu Bank, Ltd.
3,140.00
1,232.68
64.63%
JP:8388
Awa Bank, Ltd.
3,470.00
958.12
38.14%

Toho Bank, Ltd. Corporate Events

Toho Bank Revises Financial and Dividend Forecasts Upward
Mar 19, 2025

The Toho Bank, Ltd. has revised its financial results and dividend forecasts for the fiscal year ending March 31, 2025, due to improved performance. The bank has increased its consolidated and non-consolidated financial forecasts, citing growth in net interest income. Additionally, it has raised its year-end dividend forecast, reflecting its commitment to enhancing shareholder returns and aligning with its long-term management plan, ‘TX PLAN 2030.’

Toho Bank Announces Executive Leadership Changes
Mar 5, 2025

The Toho Bank, Ltd. announced provisional changes in its executive leadership, including new appointments and retirements among its directors and executive officers, to be formalized at the upcoming Annual General Meeting. These changes are expected to impact the bank’s strategic direction and operational management, potentially influencing its market positioning and stakeholder relations.

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.Date of analysis: Aug 29, 2025