Consistent Revenue GrowthSustained revenue growth provides a durable earnings base for a regional lender. Steady top-line expansion supports net interest income and fee revenue, enabling predictable cash generation and underwriting capacity that can be deployed to finance local SMEs and community projects over the next 2–6 months.

Improved Leverage / Stronger Balance SheetLower leverage increases financial resilience and regulatory headroom. A reduced debt-to-equity ratio strengthens the bank's ability to weather credit stress, maintain lending capacity, and meet capital requirements without urgent recapitalization, supporting durable strategic lending to the regional economy.

Improving Net Profit MarginA higher net margin signals improved core profitability, whether from interest spreads or expense control. Sustained margin improvement boosts retained earnings and strengthens internal capital generation, enabling dividend support and incremental lending capacity over the medium term.

Bears Say

Negative Operating & Free Cash FlowNegative operating and free cash flows indicate that accounting profits are not translating into cash, constraining the bank's ability to fund loan growth, meet obligations or invest without external financing. This structural cash weakness reduces flexibility and raises funding or liquidity execution risk.

Declining EBIT/EBITDA MarginsEroding operating margins point to rising costs or compressing spreads vs peers. If persistent, declining EBIT/EBITDA undermines operating leverage, reduces the cushion for credit losses, and limits the bank's capacity to invest in technology or branch networks essential for long-term competitiveness.

Low Return On EquityAn ROE near 2.7% is low for a bank franchise, signaling weak returns on capital. Over months this limits internal capital accumulation, may necessitate external capital for growth or higher provisioning, and constrains shareholder value creation versus peers in the regional banking sector.

8383 FAQ

What was TOTTORI BANK, LTD.’s price range in the past 12 months?

TOTTORI BANK, LTD. lowest stock price was ¥1061.00 and its highest was ¥2042.00 in the past 12 months.

What is TOTTORI BANK, LTD.’s market cap?

TOTTORI BANK, LTD.’s market cap is ¥18.62B.

When is TOTTORI BANK, LTD.’s upcoming earnings report date?

TOTTORI BANK, LTD.’s upcoming earnings report date is May 18, 2026 which is in 90 days.

How were TOTTORI BANK, LTD.’s earnings last quarter?

TOTTORI BANK, LTD. released its earnings results on Jan 30, 2026. The company reported ¥89.48 earnings per share for the quarter, beating the consensus estimate of N/A by ¥89.48.

Is TOTTORI BANK, LTD. overvalued?

According to Wall Street analysts TOTTORI BANK, LTD.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does TOTTORI BANK, LTD. pay dividends?

TOTTORI BANK, LTD. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 3.3%. See more information on TOTTORI BANK, LTD. dividends here

What is TOTTORI BANK, LTD.’s EPS estimate?

TOTTORI BANK, LTD.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does TOTTORI BANK, LTD. have?

TOTTORI BANK, LTD. has 9,619,938 shares outstanding.

What happened to TOTTORI BANK, LTD.’s price movement after its last earnings report?

TOTTORI BANK, LTD. reported an EPS of ¥89.48 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.243%.

Which hedge fund is a major shareholder of TOTTORI BANK, LTD.?

Currently, no hedge funds are holding shares in JP:8383

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

TOTTORI BANK, LTD.

The Tottori Bank, Ltd. provides various banking products and services in Japan. The company operates through Banking and Card Business segments. The Banking segment offers financial services, primarily depositing, lending, securities investment, and foreign exchange services. The Card Business segment provides credit cards. As of March 31, 2020, it operated a network of 65 branches. The company was founded in 1921 and is headquartered in Tottori, Japan.