Bank of Toyama Ltd. (JP:8365)
:8365
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Bank of Toyama Ltd.
(8365)
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Rating:58Neutral
Price Target:
¥2,193.00
▲(7.24% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by mixed financial quality: earnings and leverage have improved, but cash flow volatility and recent negative OCF/FCF materially weaken the financial profile. Technical indicators are also weak (below key moving averages with negative MACD), while valuation is a supportive offset due to a moderate P/E and decent dividend yield.
Positive Factors
Improved leverage and stronger equity base
Material deleveraging and a larger equity base improve financial resilience and lower solvency risk over the medium term. Reduced leverage expands capacity to absorb loan losses, supports regulatory capital buffers and gives management flexibility to fund targeted lending or strategic initiatives.
Negative Factors
Highly volatile operating and free cash flow
Large swings and recent negative OCF/FCF reduce confidence in the quality of reported earnings and limit financial flexibility. Inconsistent cash generation can constrain lending capacity, investments, or dividends and raises refinancing or liquidity risk over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and stronger equity base
Material deleveraging and a larger equity base improve financial resilience and lower solvency risk over the medium term. Reduced leverage expands capacity to absorb loan losses, supports regulatory capital buffers and gives management flexibility to fund targeted lending or strategic initiatives.
Read all positive factors
Bank of Toyama Ltd. (8365) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥11.40B
Dividend Yield2.68%
Average Volume (3M)12.60K
Price to Earnings (P/E)9.9
Beta (1Y)0.63
Revenue Growth24.95%
EPS Growth10.64%
CountryJP
Employees332
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)192.47
Shares Outstanding5,444,400
10 Day Avg. Volume15,140
30 Day Avg. Volume12,600
Financial Highlights & Ratios
PEG Ratio1.06
Price to Book (P/B)0.38
Price to Sales (P/S)0.89
P/FCF Ratio-24.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 pe...
How the Company Makes Money
The Bank of Toyama primarily earns money through (1) net interest income and (2) fee and commission income, supplemented by (3) gains/losses from its securities portfolio and other financial operations.
1) Net interest income (core earnings): The...
Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
74
Positive
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.76B | 13.32B | 9.28B | 9.74B | 10.43B | 8.05B |
| Gross Profit | 9.76B | 12.24B | 8.95B | 9.72B | 10.40B | 8.01B |
| EBITDA | 403.00M | 2.14B | 1.79B | 1.26B | 2.01B | 809.00M |
| Net Income | 1.03B | 1.05B | 954.00M | 632.00M | 972.00M | 333.00M |
Balance Sheet | ||||||
| Total Assets | 561.17B | 560.66B | 548.42B | 552.20B | 551.29B | 569.87B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 31.81B | 30.67B | 33.31B | 30.16B | 36.79B |
| Total Debt | 14.77B | 10.77B | 11.56B | 18.27B | 18.73B | 35.23B |
| Total Liabilities | 531.16B | 528.69B | 519.07B | 520.89B | 521.04B | 537.55B |
| Stockholders Equity | 29.11B | 31.03B | 28.45B | 30.43B | 29.40B | 31.48B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -479.00M | 0.00 | -2.16B | -19.88B | 11.13B |
| Operating Cash Flow | 0.00 | -170.00M | 0.00 | 2.64B | -19.22B | 11.28B |
| Investing Cash Flow | 0.00 | -9.81B | 1.87B | 972.00M | 13.79B | -13.30B |
| Financing Cash Flow | 0.00 | 9.53B | 2.92B | -272.00M | -272.00M | -341.00M |
Bank of Toyama Ltd. Technical Analysis
Negative
2045.00
Price Trends
2242.60
Negative
2223.89
Negative
1951.54
Positive
Market Momentum
-49.28
Negative
42.40
Neutral
20.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8365, the sentiment is Negative. The current price of 2045 is below the 20-day moving average (MA) of 2130.40, below the 50-day MA of 2242.60, and above the 200-day MA of 1951.54, indicating a neutral trend. The MACD of -49.28 indicates Negative momentum. The RSI at 42.40 is Neutral, neither overbought nor oversold. The STOCH value of 20.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8365.
Bank of Toyama Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ¥14.33B | 9.59 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.93B | 7.27 | ― | 3.74% | 15.32% | 26.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥13.75B | 22.30 | ― | 3.58% | 18.86% | 59.05% | |
60 Neutral | ¥13.07B | 17.45 | ― | 2.74% | 17.43% | -35.15% | |
58 Neutral | ¥11.40B | 9.94 | ― | 2.68% | 24.95% | 10.64% | |
52 Neutral | ¥12.94B | 10.90 | ― | 1.89% | 17.42% | ― |
* Financial Sector Average
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.