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Bank of Toyama Ltd.
(8365)
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Rating:58Neutral
Price Target:
¥2,540.00
▲(24.21% 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 & capital
A materially lower debt-to-equity and rising equity provide lasting financial resilience. Stronger capital cushions absorb credit stress, support lending capacity and regulatory buffers, and give management flexibility for strategic initiatives or loss absorption over the coming months.
Negative Factors
Volatile operating & free cash flow
Highly erratic operating and free cash flows undermine confidence in earnings quality and limit funding flexibility. Persistent cash volatility can strain liquidity management, restrict dividend or buyback capacity, and raise refinancing risk during downturns over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage & capital
A materially lower debt-to-equity and rising equity provide lasting financial resilience. Stronger capital cushions absorb credit stress, support lending capacity and regulatory buffers, and give management flexibility for strategic initiatives or loss absorption over the coming months.
Read all positive factors
Bank of Toyama Ltd. (8365) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥13.26B
Dividend Yield2.68%
Average Volume (3M)12.60K
Price to Earnings (P/E)12.4
Beta (1Y)0.64
Revenue Growth24.95%
EPS Growth10.64%
CountryJP
Employees325
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)196.18
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. is a Japanese financial services provider catering to both individual and business clientele throughout the country. It offers a comprehensive suite of banking products, encompassing various deposit options such as ordinar...
How the Company Makes Money
The Bank of Toyama makes money primarily through (1) net interest income, (2) fee and commission income, and (3) other income such as gains/losses from securities and foreign exchange-related activities.
1) Net interest income (core earnings driv...
Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
74
Positive
Cash Flow
32
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 13.32B | 9.28B | 9.74B | 10.43B | 8.05B |
| Gross Profit | 12.24B | 8.95B | 9.72B | 10.40B | 8.01B |
| EBITDA | 2.14B | 1.79B | 1.26B | 2.01B | 809.00M |
| Net Income | 1.05B | 954.00M | 632.00M | 972.00M | 333.00M |
Balance Sheet | |||||
| Total Assets | 560.66B | 548.42B | 552.20B | 551.29B | 569.87B |
| Cash, Cash Equivalents and Short-Term Investments | 31.81B | 30.67B | 33.31B | 30.16B | 36.79B |
| Total Debt | 10.77B | 11.56B | 18.27B | 18.73B | 35.23B |
| Total Liabilities | 528.69B | 519.07B | 520.89B | 521.04B | 537.55B |
| Stockholders Equity | 31.03B | 28.45B | 30.43B | 29.40B | 31.48B |
Cash Flow | |||||
| Free Cash Flow | -479.00M | 0.00 | -2.16B | -19.88B | 11.13B |
| Operating Cash Flow | -170.00M | 0.00 | 2.64B | -19.22B | 11.28B |
| Investing Cash Flow | -9.81B | 1.87B | 972.00M | 13.79B | -13.30B |
| Financing Cash Flow | 9.53B | 2.92B | -272.00M | -272.00M | -341.00M |
Bank of Toyama Ltd. Technical Analysis
Positive
2045.00
Price Trends
2147.04
Positive
2228.26
Positive
2060.48
Positive
Market Momentum
82.18
Negative
75.89
Negative
88.07
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 2045 is below the 20-day moving average (MA) of 2244.50, below the 50-day MA of 2147.04, and below the 200-day MA of 2060.48, indicating a bullish trend. The MACD of 82.18 indicates Negative momentum. The RSI at 75.89 is Negative, neither overbought nor oversold. The STOCH value of 88.07 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ¥15.48B | 9.70 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.96B | 7.67 | ― | 3.74% | 15.32% | 26.31% | |
62 Neutral | ¥13.80B | 8.11 | ― | 3.58% | 18.87% | 59.06% | |
60 Neutral | ¥12.13B | 22.27 | ― | 2.74% | 22.59% | -35.15% | |
58 Neutral | ¥13.26B | 12.43 | ― | 2.68% | 24.95% | 10.64% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ¥12.07B | 16.19 | ― | 1.89% | 17.42% | ― |
* General Sector Average
JP:8365
Bank of Toyama Ltd.
2,438.00
939.74
62.72%
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46.87%
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.