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Bank of Toyama Ltd. (JP:8365)
:8365
Japanese Market
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Bank of Toyama Ltd. (8365) Price & Analysis

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8365 Stock Chart & Stats

¥2045.00
-¥3.00(-0.19%)
At close: 4:00 PM EST
¥2045.00
-¥3.00(-0.19%)

Bulls Say, Bears Say

Bulls Say
Capital StrengthA declining debt-to-equity ratio and a strong equity ratio provide durable financial flexibility for a regional bank. This improves loss-absorption capacity, supports lending during stress, and reduces refinancing risk, enabling steadier credit supply and regulatory compliance over months.
Cost EfficiencyA gross profit margin near 100% reflects persistent operational control over core banking costs relative to revenues. Sustained cost efficiency preserves net interest and fee margins through rate cycles, supporting earnings resilience and the ability to invest in branches or digital channels over the medium term.
Free Cash Flow ConversionHigh free-cash-flow-to-net-income conversion is a durable strength: it enhances liquidity available for dividends, capital spending, or loan growth without needing external funding. Over a multi-month horizon this reduces payout risk and underpins strategic reinvestment capacity.
Bears Say
Declining RevenueSustained negative revenue growth erodes core franchise scale and limits ability to expand fee-based services. Over several months this constrains margin recovery, hampers reinvestment in distribution or digital capabilities, and raises the bar for management to restore top-line momentum.
Volatile Operating Cash FlowLarge swings in operating cash flow and weak OCF-to-net-income conversion create uncertainty in liquidity planning. This volatility can force reliance on balance-sheet buffers or securities sales, limiting predictable funding for lending and dividends and complicating capital allocation over the medium term.
Regional ConcentrationHeavy exposure to a single prefectural economy reduces geographic diversification. The bank's earnings and loan portfolio are more sensitive to local economic cycles and demographic trends, increasing structural risk and making sustained growth more dependent on regional conditions.

8365 FAQ

What was Bank of Toyama Ltd.’s price range in the past 12 months?
Bank of Toyama Ltd. lowest stock price was ¥1462.00 and its highest was ¥2656.00 in the past 12 months.
    What is Bank of Toyama Ltd.’s market cap?
    Bank of Toyama Ltd.’s market cap is ¥11.44B.
      When is Bank of Toyama Ltd.’s upcoming earnings report date?
      Bank of Toyama Ltd.’s upcoming earnings report date is May 12, 2026 which is in 10 days.
        How were Bank of Toyama Ltd.’s earnings last quarter?
        Bank of Toyama Ltd. released its earnings results on Feb 05, 2026. The company reported ¥22.64 earnings per share for the quarter, beating the consensus estimate of N/A by ¥22.64.
          Is Bank of Toyama Ltd. overvalued?
          According to Wall Street analysts Bank of Toyama Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Bank of Toyama Ltd. pay dividends?
            Bank of Toyama Ltd. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 2.68%. See more information on Bank of Toyama Ltd. dividends here
              What is Bank of Toyama Ltd.’s EPS estimate?
              Bank of Toyama Ltd.’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Bank of Toyama Ltd. have?
              Bank of Toyama Ltd. has 5,444,400 shares outstanding.
                What happened to Bank of Toyama Ltd.’s price movement after its last earnings report?
                Bank of Toyama Ltd. reported an EPS of ¥22.64 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.654%.
                  Which hedge fund is a major shareholder of Bank of Toyama Ltd.?
                  Currently, no hedge funds are holding shares in JP:8365
                  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

                    Bank of Toyama Ltd.

                    The Bank of Toyama, Ltd. provides various banking products and services to individual and business customers in Japan. It offers ordinary, time, savings, and term deposits, as well as housing, car, and education loans. The company also provides pension and insurance, NISA products, financial products brokerage, government bonds, and investment trust services; safe deposit boxes; automatic transfer and foreign currency services; and debit cards. In addition, it offers direct, internet, and mobile banking services, as well as operates 39 stores. The company was formerly known as Toyama Industrial Bank and changed its name to The Bank of Toyama, Ltd. in August 1967. The company was founded in 1954 and is headquartered in Takaoka, Japan.

                    Bank of Toyama Ltd. (8365) Earnings & Revenues

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