Low Leverage / Strong Equity PositionVery low leverage gives the bank durable resilience: a 0.031 debt/equity ratio enables capacity to absorb loan losses, maintain lending through stress periods and meet regulatory capital buffers, supporting stable credit availability and strategic investment over months.

Stable Operating MarginsConsistent EBIT/EBITDA margins near 14% reflect steady operational efficiency across branches and processes. Margin stability underpins earnings predictability, supports reinvestment and dividend capacity, and provides downside protection if revenue growth stalls over the medium term.

Improving Free Cash Flow GenerationMarked improvement in free cash flow and an FCF-to-net-income ratio near one signal stronger cash conversion. Reliable FCF supports dividend funding, loan-book growth or selective strategic initiatives without heavy reliance on volatile wholesale funding, enhancing financial flexibility.

Bears Say

Declining Revenue TrendA -6.39% revenue contraction in the latest year suggests weakening loan demand or fee income within the regional franchise. Prolonged top-line decline pressures net interest income and fee pools, forcing either margin recovery via cost reduction or riskier asset mix to restore growth.

Low And Falling Return On EquityROE at roughly 3.02% indicates weak returns on shareholders' capital. Persistent low and declining ROE constrains the bank's ability to generate shareholder value, limits dividend growth potential and raises questions about capital allocation effectiveness versus peers over several quarters.

Cash Flow Volatility And Reporting GapsPrior-year negative cash flows combined with a missing operating cash flow-to-net-income metric point to volatility and limited transparency in cash operations. This complicates assessment of core cash generation and raises execution risk for dividends, loan growth or shock absorption.

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 ¥14.67B.

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 71 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.