TOTTORI BANK, LTD. (8383) AI Stock Analysis

• Market Cap: ¥16.19B
• Dividend Yield: 3.3%
• Average Volume (3M): 16.87K
• Price to Earnings (P/E): 4.3
• Beta (1Y): 0.69
• Revenue Growth: 11.93%
• EPS Growth: 36.32%
• Country: JP
• Employees: 634
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 89.48
• Shares Outstanding: 9,619,938
• 10 Day Avg. Volume: 14,880
• 30 Day Avg. Volume: 16,866
• PEG Ratio: 0.37
• Price to Book (P/B): 0.25
• Price to Sales (P/S): 0.81
• P/FCF Ratio: -2.74
• 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: 64 Neutral
• Price Target: ¥1,806.00 ▲(13.02% Upside)
• Action: Downgraded Date: 02/06/26
• Date: Action: Downgraded 02/06/26

The score is driven primarily by mixed financial performance: improving revenue/profitability and reduced leverage are positives, but declining operating efficiency and negative operating/free cash flow are meaningful risks. Technicals show a strong trend but overheated momentum increases near-term downside risk. Valuation is a supportive offset with a low P/E and a moderate dividend yield.

Positive Factors

Revenue & Margin Improvement

Consistent revenue growth (+3.64%) and an improved net margin (8.84%) point to durable core earnings strength from lending, fees and securities income. Sustained margin improvement supports internal capital generation and resilience of profitability across credit cycles and regional demand shifts.

Negative Factors

Weak Cash Flow Generation

Negative operating and free cash flows raise concerns about cash conversion despite reported profits. Persistent cash shortfalls can constrain lending growth, dividend capacity and capital deployment, forcing reliance on securities sales or external funding and weakening financial flexibility.

TOTTORI BANK, LTD. Business Overview & Revenue Model

Company Description

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, a...

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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, a...

How the Company Makes Money

TOTTORI BANK, LTD. makes money mainly through (1) net interest income, (2) fee and commission income, and (3) other financial income (including securities-related income), with operating expenses and credit costs reducing profitability. 1) Net in...

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TOTTORI BANK, LTD. makes money mainly through (1) net interest income, (2) fee and commission income, and (3) other financial income (including securities-related income), with operating expenses and credit costs reducing profitability. 1) Net in...

TOTTORI BANK, LTD. Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	14.12B	14.65B	13.13B	12.38B	11.80B	11.85B
Gross Profit	14.77B	13.88B	12.93B	12.15B	11.49B	11.53B
EBITDA	2.14B	2.65B	2.31B	2.48B	2.04B	2.30B
Net Income	1.29B	1.31B	1.06B	1.04B	891.00M	996.00M
Balance Sheet
Total Assets	1.11T	1.11T	1.15T	1.10T	1.11T	1.09T
Cash, Cash Equivalents and Short-Term Investments	0.00	93.27B	124.76B	72.58B	99.52B	96.63B
Total Debt	24.05B	24.06B	42.06B	42.06B	63.76B	63.76B
Total Liabilities	1.07T	1.06T	1.10T	1.05T	1.06T	1.04T
Stockholders Equity	48.68B	47.99B	49.90B	47.77B	48.67B	49.34B
Cash Flow
Free Cash Flow	0.00	-4.33B	0.00	-38.59B	11.43B	29.26B
Operating Cash Flow	0.00	-3.98B	0.00	-38.20B	12.00B	29.46B
Investing Cash Flow	0.00	6.61B	-4.00B	11.73B	-8.65B	-17.48B
Financing Cash Flow	0.00	-22.53B	48.96B	-471.00M	-467.00M	-467.00M

TOTTORI BANK, LTD. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1598.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8383, the sentiment is Neutral. The current price of 1598 is below the 20-day moving average (MA) of 1755.75, below the 50-day MA of 1804.88, and above the 200-day MA of 1469.11, indicating a neutral trend. The MACD of -25.14 indicates Positive momentum. The RSI at 45.89 is Neutral, neither overbought nor oversold. The STOCH value of 65.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8383.

TOTTORI BANK, LTD. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8537	72 Outperform	¥22.84B	7.08	―	3.50%	16.60%	-5.51%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	67 Neutral	¥18.81B	4.85	―	3.37%	3.70%	24.98%
8365	66 Neutral	¥12.54B	21.28	―	2.68%	5.57%	-23.26%
8563	66 Neutral	¥12.79B	7.04	―	3.74%	5.91%	5.03%
8383	64 Neutral	¥16.19B	4.33	―	3.30%	11.93%	36.32%
8562	53 Neutral	¥12.80B	8.11	―	1.89%	8.11%	68.98%