Tohoku Bank, Ltd. (8349) AI Stock Analysis

• Market Cap: ¥14.18B
• Dividend Yield: 3.58%
• Average Volume (3M): 23.40K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.67
• Revenue Growth: 13.77%
• EPS Growth: 19.08%
• Country: JP
• Employees: 559
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 38.42
• Shares Outstanding: 9,509,963
• 10 Day Avg. Volume: 24,640
• 30 Day Avg. Volume: 23,396
• PEG Ratio: -0.44
• Price to Book (P/B): 0.30
• Price to Sales (P/S): 0.74
• P/FCF Ratio: 0.41
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥1,659.00 ▲(11.12% Upside)
• Action: Upgraded Date: 08/29/25
• Date: Action: Upgraded 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 equity base

Extremely low leverage and a robust equity base provide durable financial stability and regulatory cushion. This allows the bank to absorb credit losses, expand lending selectively, and maintain capital distributions without needing immediate external funding, supporting long-term resilience.

Negative Factors

Low and declining return on equity

A ROE near 3% is low for a banking franchise and signals limited shareholder earnings power. Persistently weak ROE constrains the bank's ability to generate attractive equity returns, may indicate margin pressure or suboptimal asset mix, and limits reinvestment capacity without capital issuance.

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...

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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...

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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

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

• Technical Analysis Sentiment: Positive
• Last Price: 1493.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 1493 is above the 20-day moving average (MA) of 1457.86, below the 50-day MA of 1522.02, and above the 200-day MA of 1329.86, indicating a neutral trend. The MACD of -7.34 indicates Negative momentum. The RSI at 51.81 is Neutral, neither overbought nor oversold. The STOCH value of 80.53 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
8349	72 Outperform	¥14.18B	9.31	―	3.58%	13.77%	19.08%
8344	68 Neutral	¥81.66B	10.96	―	2.89%	-0.24%	95.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8346	66 Neutral	¥177.20B	9.13	―	2.23%	29.06%	40.95%
8563	66 Neutral	¥12.80B	7.04	―	3.74%	5.91%	5.03%
8343	60 Neutral	¥95.73B	7.75	―	3.35%	15.96%	81.27%
8562	53 Neutral	¥13.29B	8.11	―	1.89%	8.11%	68.98%