Low Leverage / Strong CapitalExtremely low debt-to-equity (0.031) and a robust equity base provide durable financial resilience. This capital buffer supports loan loss absorption, regulatory compliance and steady lending capacity through economic cycles, enabling long-term service to regional customers.

Stable Operational MarginsConsistent ~14% EBIT/EBITDA margins indicate solid cost control and operating discipline. Stable margins help preserve profitability if revenue growth softens, supporting funding for branch operations, technology, and customer service that sustain the bank's regional franchise over time.

Improving Free Cash FlowA marked improvement in free cash flow, with free cash flow to net income near 1, signals stronger cash conversion. Reliable cash generation enhances capacity to fund lending, cover operating needs, maintain distribution policies, and build capital for strategic initiatives.

Bears Say

Recent Revenue DeclineA latest-year revenue decline of -6.39% is a structural concern for a regional lender. Sustained top-line erosion constrains lending expansion, fee income and reinvestment ability, and could force tighter margins or reduced service scope if regional demand or competitive pressures persist.

Weak Return On EquityROE at ~3% is low for a bank and has declined, signaling limited profitability relative to capital. Persistent low ROE can pressure shareholder returns, limit organic capital formation, and challenge management to improve asset yields or cost efficiency without eroding the bank's conservative capital buffer.

Cash Flow VolatilityPrior negative cash flows and historical volatility indicate inconsistent cash generation. This inconsistency raises risks for dividend sustainability, loan origination funding and contingency planning, making long-term strategic investments and shock absorption more challenging.

8349 FAQ

What was Tohoku Bank, Ltd.’s price range in the past 12 months?

Tohoku Bank, Ltd. lowest stock price was ¥905.00 and its highest was ¥1703.00 in the past 12 months.

What is Tohoku Bank, Ltd.’s market cap?

Tohoku Bank, Ltd.’s market cap is ¥15.75B.

When is Tohoku Bank, Ltd.’s upcoming earnings report date?

Tohoku Bank, Ltd.’s upcoming earnings report date is May 19, 2026 which is in 92 days.

How were Tohoku Bank, Ltd.’s earnings last quarter?

Tohoku Bank, Ltd. released its earnings results on Jan 30, 2026. The company reported ¥38.42 earnings per share for the quarter, beating the consensus estimate of N/A by ¥38.42.

Is Tohoku Bank, Ltd. overvalued?

According to Wall Street analysts Tohoku Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Tohoku Bank, Ltd. pay dividends?

Tohoku Bank, Ltd. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 3.58%. See more information on Tohoku Bank, Ltd. dividends here

What is Tohoku Bank, Ltd.’s EPS estimate?

Tohoku Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Tohoku Bank, Ltd. have?

Tohoku Bank, Ltd. has 9,509,963 shares outstanding.

What happened to Tohoku Bank, Ltd.’s price movement after its last earnings report?

Tohoku Bank, Ltd. reported an EPS of ¥38.42 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.261%.

Which hedge fund is a major shareholder of Tohoku Bank, Ltd.?

Currently, no hedge funds are holding shares in JP:8349

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Tohoku Bank, Ltd.

The Tohoku Bank, Ltd. provides various banking and financial services for individual and corporate customers in Japan. The company also provides saving/general accounts, time deposits, investment trust, and government bonds; debit and credit cards; payment collection services; and internet and mobile banking services. It offers various loans, such as housing, car, card, free, education, remodeling, travel, bridal, mortgage, reconstruction support, medical/long-term, and agricultural loans. In addition, the company provides medical/ cancer, personal annuity, whole life, term, and income security insurance products; and pension services. As of March 31, 2020, it operated 55 stores and 2 branch offices. The company was founded in 1950 and is headquartered in Morioka, Japan.