Revenue And Net Margin ImprovementRecent revenue growth and an improved net margin indicate the core lending and fee businesses are generating healthier earnings. Over 2-6 months this supports resilience to loan losses, funds incremental provisioning, and helps stabilize earnings for a regional bank with concentrated local customer base.

Lower Leverage / Stronger Balance SheetA materially lower debt-to-equity ratio increases capital flexibility and regulatory resilience. Structurally, reduced leverage gives the bank capacity to absorb credit stress, expand lending selectively, and maintain confidence with depositors and regulators over the medium term.

Diversified Core Revenue MixA mix of net interest income, fee/commission revenue and securities income reduces single-thread dependence on spreads. This structural diversification supports steadier revenues across interest rate cycles and enables cross-sell to retail and SME clients in the operating region.

Bears Say

Negative Operating And Free Cash FlowsPersistent negative operating and free cash flows constrain internal funding for lending, capital expenditure, and dividends. Over months this may force reliance on external financing or asset sales, increasing funding cost and reducing strategic flexibility.

Declining Operating Margins (EBIT/EBITDA)Eroding EBIT/EBITDA margins point to structural cost pressure or weaker core profitability. If sustained, margin compression limits reinvestment in branches, technology, or product development and undermines the bank's ability to improve efficiency versus regional peers.

Low Return On EquityA ROE near 2.7% signals limited ability to convert equity into earnings. Over the medium term this reduces internal capital generation, curtails growth without external capital, and diminishes shareholder returns relative to competing uses of capital in the 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 ¥16.79B.

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 66 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.