Strong Balance SheetDecreasing debt-to-equity and a strong equity ratio indicate durable capital strength and improved leverage management. This structural solidity supports regulatory cushions, sustained lending capacity to the local economy, and the ability to weather credit stress without needing frequent recapitalization.

Community Franchise & PartnershipsA regional, community-focused business model and embedded partnerships create durable deposit access and origination pipelines. Local government and business ties deepen customer relationships, lowering acquisition costs and supporting steady core lending volumes over multi-quarter horizons.

High Gross Margin And Improving ROEVery high gross margins and rising ROE reflect efficient cost structure and improving returns on shareholder capital. These structural profitability traits allow reinvestment, dividend support and resilience to modest revenue shocks, underpinning long-term earnings capacity.

Bears Say

Recent Revenue DeclineSustained or recurring revenue declines indicate weakening core top-line momentum that can erode margins and limit scale benefits. For a regional bank, shrinking revenues constrain loan growth, fee income expansion and the ability to absorb rising costs over the coming quarters.

Volatile Operating Cash FlowMaterial volatility in operating cash flows and weak conversion to net income reduce predictability of internal funding for lending and capital returns. This elevates refinancing and liquidity management risks, forcing reliance on balance sheet buffers or external funding in stress scenarios.

Revenue Concentration In Interest IncomeHigh dependence on interest income concentrates exposure to credit cycles and interest rate shifts. Limited diversification from fees or non-interest streams can amplify earnings variability if loan demand or margins weaken, constraining steady income generation across economic cycles.

8365 FAQ

What was Bank of Toyama Ltd.’s price range in the past 12 months?

Bank of Toyama Ltd. lowest stock price was ¥1399.00 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 ¥13.58B.

When is Bank of Toyama Ltd.’s upcoming earnings report date?

Bank of Toyama Ltd.’s upcoming earnings report date is May 07, 2026 which is in 77 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.