Tohoku Bank, Ltd. (JP:8349)
:8349
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Tohoku Bank, Ltd.
(8349)
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Rating:72Outperform
Price Target:
¥1,675.00
▲(12.19% Upside)
Action:UpgradedDate:08/29/25
Tohoku Bank's stock is supported by strong technical indicators and attractive valuation metrics, which are the most significant factors driving the score. Financial performance is stable but shows areas for improvement, particularly in revenue growth and profitability. The absence of earnings call and corporate events data does not impact the overall score.
Positive Factors
Low leverage / strong capital base
A very low debt-to-equity ratio indicates strong capitalization and limited financial leverage, giving the bank durable resilience to credit losses or rate shocks. This structural strength supports regulatory buffers, preserves lending capacity and allows strategic flexibility over months to years.
Negative Factors
Recent revenue decline
A negative year-over-year revenue growth rate signals weakening core top-line performance, which can persist if driven by softer loan demand, margin compression, or competitive pressure. Sustained revenue decline constrains reinvestment, provisioning capacity, and long-term earnings power.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / strong capital base
A very low debt-to-equity ratio indicates strong capitalization and limited financial leverage, giving the bank durable resilience to credit losses or rate shocks. This structural strength supports regulatory buffers, preserves lending capacity and allows strategic flexibility over months to years.
Read all positive factors
Tohoku Bank, Ltd. (8349) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥14.23B
Dividend Yield3.58%
Average Volume (3M)23.40K
Price to Earnings (P/E)9.3
Beta (1Y)0.67
Revenue Growth13.77%
EPS Growth19.08%
CountryJP
Employees559
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)38.42
Shares Outstanding9,509,963
10 Day Avg. Volume24,640
30 Day Avg. Volume23,396
Financial Highlights & Ratios
PEG Ratio-0.44
Price to Book (P/B)0.30
Price to Sales (P/S)0.74
P/FCF Ratio0.41
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
Tohoku Bank, Ltd. Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Tohoku Bank, Ltd. makes money mainly through traditional commercial banking activities. The primary revenue stream is net interest income: the bank earns interest on loans and other interest-bearing assets (e.g., loans to households and businesses...
Tohoku Bank, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.49B | 14.23B | 13.98B | 12.72B | 13.05B | 12.73B |
| Gross Profit | 13.49B | 13.62B | 13.95B | 12.69B | 13.02B | 12.64B |
| EBITDA | 3.05B | 2.10B | 2.43B | 2.59B | 2.40B | 2.29B |
| Net Income | 1.16B | 1.07B | 1.38B | 1.53B | 1.34B | 1.15B |
Balance Sheet | ||||||
| Total Assets | 1.05T | 1.01T | 1.01T | 968.13B | 1.03T | 1.02T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 63.41B | 84.02B | 43.69B | 167.68B | 157.50B |
| Total Debt | 107.38B | 79.20B | 34.44B | 8.86B | 157.91B | 71.98B |
| Total Liabilities | 1.01T | 974.24B | 973.26B | 929.39B | 987.05B | 981.42B |
| Stockholders Equity | 36.75B | 35.38B | 39.44B | 38.74B | 39.92B | 40.10B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 25.75B | 24.84B | -111.45B | 10.89B | 127.26B |
| Operating Cash Flow | 0.00 | 26.16B | 25.61B | -110.90B | 11.06B | 127.67B |
| Investing Cash Flow | 0.00 | -30.36B | -2.09B | -11.28B | -916.00M | -3.09B |
| Financing Cash Flow | 0.00 | -534.00M | 20.40B | -475.00M | -474.00M | -474.00M |
Tohoku Bank, Ltd. Technical Analysis
Positive
1493.00
Price Trends
1521.98
Negative
1466.09
Positive
1343.50
Positive
Market Momentum
2.42
Negative
54.04
Neutral
68.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8349, the sentiment is Positive. The current price of 1493 is above the 20-day moving average (MA) of 1470.27, below the 50-day MA of 1521.98, and above the 200-day MA of 1343.50, indicating a neutral trend. The MACD of 2.42 indicates Negative momentum. The RSI at 54.04 is Neutral, neither overbought nor oversold. The STOCH value of 68.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8349.
Tohoku Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥14.23B | 9.31 | ― | 3.58% | 13.77% | 19.08% | |
68 Neutral | ¥84.24B | 10.96 | ― | 2.89% | -0.24% | 95.49% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥178.71B | 9.13 | ― | 2.23% | 29.06% | 40.95% | |
66 Neutral | ¥12.81B | 7.04 | ― | 3.74% | 5.91% | 5.03% | |
60 Neutral | ¥101.63B | 7.75 | ― | 3.35% | 15.96% | 81.27% | |
53 Neutral | ¥13.15B | 8.11 | ― | 1.89% | 8.11% | 68.98% |
* Financial Sector Average
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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.