Tohoku Bank, Ltd. (8349) AI Stock Analysis

• Market Cap: ¥10.69B
• Dividend Yield: 4.44%
• Average Volume (3M): 8.01K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.61
• Revenue Growth: -2.78%
• EPS Growth: 13.42%
• Country: JP
• Employees: 559
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 3.08
• Shares Outstanding: 9,509,963
• 10 Day Avg. Volume: 10,510
• 30 Day Avg. Volume: 8,010
• PEG Ratio: -0.29
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: ―

Tohoku Bank's stock score reflects stable financial performance with strong profitability margins and a low P/E ratio indicating potential undervaluation. However, cash flow concerns and mixed technical indicators suggest caution. The attractive dividend yield provides a positive aspect to the investment outlook.

Tohoku Bank, Ltd. Business Overview & Revenue Model

Company Description

Tohoku Bank, Ltd. (8349) is a regional bank headquartered in Morioka, Iwate Prefecture, Japan. The bank primarily operates within the financial services sector, offering a wide range of banking solutions tailored to individuals, businesses, and public entities in the Tohoku region. Its core offerings include retail banking services, such as savings and checking accounts, loans, credit facilities, and investment products. Additionally, Tohoku Bank provides corporate banking services, encompassing business loans, cash management, and trade finance solutions.

How the Company Makes Money

Tohoku Bank, Ltd. generates revenue through various financial services and banking operations. The primary sources of income include interest income from loans provided to individuals and businesses, as well as interest from securities and other investments. The bank also earns non-interest income through fees and commissions associated with account maintenance, transaction services, and investment product sales. Additionally, Tohoku Bank may engage in proprietary trading and investment activities that contribute to its earnings. The bank's financial performance is influenced by regional economic conditions, interest rate environments, and strategic partnerships with other financial institutions to expand its market reach and offer diversified services.

Tohoku Bank, Ltd. Financial Statement Overview

Summary

Tohoku Bank demonstrates stable revenue growth with an 8% increase in TTM revenue and strong profitability margins. The equity ratio is satisfactory despite high leverage. However, the cash flow situation is concerning due to missing TTM data, highlighting potential liquidity risks.

Income Statement

Tohoku Bank shows a stable revenue growth with a TTM (Trailing-Twelve-Months) increase of 8% from the previous annual report. The gross profit margin remains strong at 97.4% TTM. However, the net profit margin decreased to 10.3% from 10.4% last year. The EBIT margin is robust at 34% TTM, but the EBITDA margin is low at 4.9% due to limited depreciation and amortization impacts.

Balance Sheet

The bank has a healthy equity ratio of 3.6% TTM, indicating adequate capital compared to total assets. However, the debt-to-equity ratio is high at 0.91 TTM, suggesting significant leverage. Return on equity shows a modest performance at 3.9% TTM, reflecting moderate efficiency in generating profits from shareholders' equity.

Cash Flow

Cash flow from operations is absent in the TTM, indicating potential cash flow challenges. The previous year showed strong operating cash flow compared to net income, but the absence of TTM data limits the analysis. Free cash flow growth rate is unavailable, suggesting possible issues in cash management.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	14.30B	14.11B	13.95B	12.69B	13.02B	12.64B
Gross Profit	13.93B	0.00	13.95B	12.69B	13.02B	12.64B
EBITDA	1.55B	1.98B	2.43B	2.59B	2.40B	2.29B
Net Income	1.47B	1.07B	1.38B	1.53B	1.34B	1.15B
Balance Sheet
Total Assets	1.03T	1.01T	1.01T	968.13B	1.03T	1.02T
Cash, Cash Equivalents and Short-Term Investments	95.37B	0.00	84.02B	43.69B	167.68B	157.50B
Total Debt	34.04B	1.11B	1.16B	2.91B	79.36B	71.98B
Total Liabilities	996.27B	974.24B	973.26B	929.39B	987.05B	981.42B
Stockholders Equity	37.51B	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	-37.86B	-2.09B	-11.28B	-916.00M	-3.09B
Financing Cash Flow	0.00	-8.37B	-477.00M	-475.00M	-474.00M	-474.00M

Tohoku Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1127.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 1127 is above the 20-day moving average (MA) of 1089.45, above the 50-day MA of 1075.76, and above the 200-day MA of 1087.88, indicating a bullish trend. The MACD of 10.24 indicates Negative momentum. The RSI at 81.09 is Negative, neither overbought nor oversold. The STOCH value of 85.67 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8558	73 Outperform	¥28.01B	6.20		3.95%	2.37%	-29.71%
8551	72 Outperform	¥25.84B	6.56		3.85%	-4.52%	85.81%
8349	69 Neutral	¥10.69B	10.01		4.44%	-2.78%	13.42%
Sector *	68 Neutral	¥724.27B	10.74	7.55%	3.29%	7.97%	15.90%
8563	62 Neutral	¥9.05B	6.80		4.48%	2.13%	10.94%
8566	61 Neutral	¥168.61B	10.77		3.66%	1.24%	38.84%
8562	50 Neutral	¥7.85B	―		2.22%	1.71%	-164.25%