Bank of Toyama Ltd. (8365) AI Stock Analysis

• Market Cap: ¥8.23B
• Dividend Yield: 3.3%
• Average Volume (3M): 6.58K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.45
• Revenue Growth: -10.59%
• EPS Growth: -44.94%
• Country: JP
• Employees: 332
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 68.46
• Shares Outstanding: 5,444,400
• 10 Day Avg. Volume: 3,160
• 30 Day Avg. Volume: 6,580
• PEG Ratio: -0.27
• Price to Book (P/B): 0.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

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

Bank of Toyama Ltd. (8365) is a regional bank headquartered in Toyama, Japan. It operates primarily in the banking sector, offering a wide range of financial services which include personal banking, corporate banking, and investment services. The bank primarily serves the Toyama Prefecture and surrounding areas, providing its customers with various products such as savings accounts, loans, mortgages, and financial advisory services.

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	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
9.34B	9.72B	10.40B	8.01B	8.83B	11.37B
	Gross Profit
9.14B	9.72B	10.40B	8.01B	8.83B	11.37B
	EBIT
2.93B	2.32B	1.00B	-113.00M	495.00M	511.00M
	EBITDA
720.00M	0.00	2.01B	0.00	1.53B	1.40B
	Net Income Common Stockholders
433.00M	632.00M	972.00M	333.00M	559.00M	725.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
34.13B	33.31B	30.16B	36.79B	40.12B	47.67B
	Total Assets
560.50B	552.20B	551.29B	569.87B	552.49B	506.55B
	Total Debt
1.39B	18.41B	18.73B	35.23B	25.38B	15.40B
	Net Debt
-32.74B	-33.31B	-11.43B	-1.55B	-14.74B	-32.27B
	Total Liabilities
531.12B	520.89B	5.23B	537.55B	518.90B	475.71B
	Stockholders Equity
28.50B	30.43B	29.40B	31.48B	32.79B	30.06B
Cash Flow		Free Cash Flow
0.00	2.18B	-19.88B	11.13B	11.56B	-13.65B
	Operating Cash Flow
0.00	2.64B	-19.22B	11.28B	11.69B	-11.16B
	Investing Cash Flow
0.00	972.00M	13.79B	-13.30B	-19.21B	16.65B
	Financing Cash Flow
0.00	-272.00M	-272.00M	-341.00M	-273.00M	-274.00M

Bank of Toyama Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1510.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8365, the sentiment is Neutral. The current price of 1510 is above the 20-day moving average (MA) of 1495.75, below the 50-day MA of 1511.10, and below the 200-day MA of 1552.47, indicating a neutral trend. The MACD of 3.32 indicates Negative momentum. The RSI at 52.12 is Neutral, neither overbought nor oversold. The STOCH value of 23.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
8331	73 Outperform	$903.59B	12.14	6.30%	3.04%	9.55%	9.39%
8377	71 Outperform	¥332.37B	10.33		1.85%	21.04%	20.47%
8354	70 Outperform	$727.43B	11.98	6.00%	3.43%	15.35%	-1.62%
8334	69 Neutral	$448.21B	10.08	7.63%	3.77%	-4.47%	30.59%
8393	68 Neutral	¥52.26B	5.44		3.52%	17.59%	44.54%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.61%
8365	61 Neutral	¥8.23B	8.54		3.30%	-10.59%	-44.94%