Bank of Toyama Ltd. (8365) AI Stock Analysis

• Market Cap: ¥12.91B
• Dividend Yield: 2.68%
• Average Volume (3M): 12.60K
• Price to Earnings (P/E): 21.3
• Beta (1Y): 0.61
• Revenue Growth: 5.57%
• EPS Growth: -23.26%
• Country: JP
• Employees: 332
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 22.64
• Shares Outstanding: 5,444,400
• 10 Day Avg. Volume: 15,140
• 30 Day Avg. Volume: 12,600
• PEG Ratio: 0.17
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 0.89
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: ¥2,643.00 ▲(29.24% Upside)
• Action: Reiterated Date: 02/05/26
• Date: Action: Reiterated 02/05/26

Overall score reflects stable fundamentals but uneven quality: a solid balance sheet is offset by weak recent revenue growth and volatile cash flows. Technicals are supportive due to a strong uptrend, but overbought readings raise near-term downside risk. Reasonable valuation and a moderate dividend yield provide additional support.

Positive Factors

Strong balance sheet

Decreasing 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.

Negative Factors

Recent revenue decline

Sustained 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.

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...

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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 generates revenue primarily through interest income from its lending activities, which includes personal loans, mortgages, and corporate loans. The bank also earns money from fees associated with account maintenance, transaction...

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The Bank of Toyama generates revenue primarily through interest income from its lending activities, which includes personal loans, mortgages, and corporate loans. The bank also earns money from fees associated with account maintenance, transaction...

Bank of Toyama Ltd. Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	9.76B	9.28B	9.74B	10.43B	8.05B	8.89B
Gross Profit	9.76B	8.95B	9.72B	10.40B	8.01B	8.83B
EBITDA	403.00M	1.79B	1.26B	2.01B	809.00M	1.53B
Net Income	1.03B	954.00M	632.00M	972.00M	333.00M	559.00M
Balance Sheet
Total Assets	561.17B	548.42B	552.20B	551.29B	569.87B	552.49B
Cash, Cash Equivalents and Short-Term Investments	0.00	30.67B	33.31B	30.16B	36.79B	40.12B
Total Debt	14.77B	11.56B	18.27B	18.73B	35.23B	25.38B
Total Liabilities	531.16B	519.07B	520.89B	521.04B	537.55B	518.90B
Stockholders Equity	29.11B	28.45B	30.43B	29.40B	31.48B	32.79B
Cash Flow
Free Cash Flow	0.00	0.00	-2.16B	-19.88B	11.13B	11.56B
Operating Cash Flow	0.00	0.00	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: 2045.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 2045 is below the 20-day moving average (MA) of 2301.95, below the 50-day MA of 2337.60, and above the 200-day MA of 1857.69, indicating a bullish trend. The MACD of 16.63 indicates Negative momentum. The RSI at 56.27 is Neutral, neither overbought nor oversold. The STOCH value of 88.48 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
8349	72 Outperform	¥14.11B	9.31	―	3.58%	13.77%	19.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8365	66 Neutral	¥12.91B	21.28	―	2.68%	5.57%	-23.26%
8563	66 Neutral	¥12.70B	7.04	―	3.74%	5.91%	5.03%
8416	65 Neutral	¥11.00B	8.64	―	2.74%	7.74%	-92.49%
8383	64 Neutral	¥15.65B	4.33	―	3.30%	11.93%	36.32%
8562	53 Neutral	¥13.11B	8.11	―	1.89%	8.11%	68.98%