Bank of Toyama Ltd. (8365) AI Stock Analysis

• Market Cap: ¥9.68B
• Dividend Yield: 2.81%
• Average Volume (3M): 5.79K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.44
• Revenue Growth: -9.75%
• EPS Growth: 81.65%
• Country: JP
• Employees: 332
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 74.98
• Shares Outstanding: 5,444,400
• 10 Day Avg. Volume: 7,720
• 30 Day Avg. Volume: 5,793
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 61 Neutral
• Price Target: ―

Bank of Toyama's stock score reflects a stable financial structure with strong gross margins and low financial leverage, but it is weighed down by declining revenue, modest profitability, and cash flow challenges. The stock's technical indicators suggest mixed momentum, with potential overbought conditions. Valuation appears fair, with an attractive dividend yield providing some offset to growth concerns.

Bank of Toyama Ltd. Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Bank of Toyama Ltd. generates revenue through interest income from loans and mortgages, which constitute a significant portion of its earnings. The bank also earns from fees and commissions related to its various banking services, such as account maintenance fees, transaction fees, and service charges for financial advisory and investment services. Additionally, the bank may engage in investment activities, earning income through interest and dividends from securities. Partnerships with local businesses and financial institutions can also contribute to its revenue streams by broadening its customer base and expanding service offerings.

Bank of Toyama Ltd. Financial Statement Overview

Summary

Bank of Toyama exhibits strong gross margins and a stable balance sheet with low financial leverage. However, declining revenues and net income margins point to operational challenges. The absence of positive operating cash flow and volatile free cash flow highlight potential liquidity risks. Overall, while the financial structure is sound, profitability and cash flow performance require attention.

Income Statement

Bank of Toyama's TTM gross profit margin is robust at 97.8%, indicating efficient cost management. However, the net profit margin is low at 4.6%, reflecting modest profitability. Revenue has declined over the past year, showing a negative growth trend. EBIT and EBITDA margins have improved in the TTM but remain relatively low compared to previous years, suggesting challenges in core operations.

Balance Sheet

The balance sheet shows a strong equity ratio of 5.1% in the TTM, indicating a solid capital base. The debt-to-equity ratio is low at 0.05, reflecting prudent financial leverage. Return on equity is modest at 1.5%, suggesting limited shareholder returns. Overall, the balance sheet is stable with low leverage risk.

Cash Flow

Cash flow analysis reveals challenges, with no positive operating cash flow in the TTM, impacting free cash flow generation. Historical free cash flow has been volatile, indicating inconsistent cash generation. The absence of operating cash flow in the TTM poses risks to sustainability of operations and financial health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	8.77B	9.28B	9.72B	10.40B	8.01B	8.89B
Gross Profit	8.77B	8.95B	9.72B	10.40B	8.01B	8.51B
EBITDA	1.27B	478.00M	0.00	2.01B	809.00M	1.53B
Net Income	953.00M	954.00M	632.00M	972.00M	333.00M	559.00M
Balance Sheet
Total Assets	548.42B	548.42B	552.20B	551.29B	569.87B	552.49B
Cash, Cash Equivalents and Short-Term Investments	30.67B	30.67B	33.31B	30.16B	36.79B	40.12B
Total Debt	11.56B	11.56B	18.41B	18.89B	35.23B	25.53B
Total Liabilities	519.07B	519.07B	520.89B	521.04B	537.55B	518.90B
Stockholders Equity	28.45B	28.45B	30.43B	29.40B	31.48B	32.79B
Cash Flow
Free Cash Flow	0.00	1.35B	-2.16B	-19.88B	11.13B	11.56B
Operating Cash Flow	0.00	1.65B	2.64B	-19.22B	11.28B	11.69B
Investing Cash Flow	0.00	1.87B	972.00M	13.79B	-13.30B	-19.21B
Financing Cash Flow	0.00	2.92B	-272.00M	-272.00M	-341.00M	-273.00M

Bank of Toyama Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1779.00
• 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:8365, the sentiment is Positive. The current price of 1779 is above the 20-day moving average (MA) of 1689.30, above the 50-day MA of 1637.28, and above the 200-day MA of 1548.52, indicating a bullish trend. The MACD of 26.09 indicates Negative momentum. The RSI at 78.48 is Negative, neither overbought nor oversold. The STOCH value of 83.43 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8365.

Bank of Toyama Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8393	78 Outperform	¥77.46B	7.62	5.16%	2.38%	14.57%	45.13%
8331	73 Outperform	¥1.15T	15.00	6.48%	2.49%	11.33%	20.11%
8334	72 Outperform	¥661.68B	13.86	7.80%	2.66%	7.15%	44.42%
8377	71 Outperform	¥476.60B	10.66	―	1.03%	33.00%	80.88%
8354	70 Outperform	¥869.70B	11.57	―	2.98%	10.63%	12.90%
8365	61 Neutral	¥9.68B	9.24	―	2.81%	-9.75%	81.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%