TOTTORI BANK, LTD. (JP:8383)
:8383
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TOTTORI BANK, LTD.
(8383)
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Rating:69Neutral
Price Target:
¥1,623.00
▲(1.56% Upside)
Action:Reiterated
Date:05/17/26
The score is driven primarily by strong valuation (very low P/E plus a ~3% dividend yield), tempered by moderate financial performance due to low ROE and historically inconsistent cash flow. Technicals are neutral-to-slightly weak, with negative MACD and the price below medium-term moving averages, limiting the near-term technical backdrop.
Positive Factors
Improving leverage and balance-sheet stability
A materially lower debt-to-equity ratio (≈0.47 in 2026) and stable assets provide lasting financial flexibility. Reduced leverage cuts refinancing and regulatory risk, supports lending capacity and cushions earnings volatility, improving the bank's structural resilience over months.
Negative Factors
Persistently low return on equity
ROE in the ~1.8%–3.1% range indicates limited profitability relative to capital and constrains the bank's ability to build retained earnings. Persistently low ROE limits long-term shareholder returns and signals structural limits on profit generation versus peers.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage and balance-sheet stability
A materially lower debt-to-equity ratio (≈0.47 in 2026) and stable assets provide lasting financial flexibility. Reduced leverage cuts refinancing and regulatory risk, supports lending capacity and cushions earnings volatility, improving the bank's structural resilience over months.
Read all positive factors
TOTTORI BANK, LTD. (8383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥15.10B
Dividend Yield3.3%
Average Volume (3M)16.87K
Price to Earnings (P/E)9.1
Beta (1Y)0.68
Revenue Growth20.18%
EPS Growth20.57%
CountryJP
Employees634
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)137.93
Shares Outstanding9,619,938
10 Day Avg. Volume14,880
30 Day Avg. Volume16,866
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)0.30
Price to Sales (P/S)0.84
P/FCF Ratio3.42
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
TOTTORI BANK, LTD. Business Overview & Revenue Model
Company Description
The Tottori Bank, Ltd. is a Japanese financial institution that delivers a wide range of banking products and services. Its business operations are divided into two main divisions: the Banking segment and the Card Business segment. The Banking div...
How the Company Makes Money
The company primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets (e.g., corporate/SME loans, consumer loans, and securities) while paying interest on funding sources such as customer dep...
TOTTORI BANK, LTD. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.12B | 18.14B | 14.65B | 13.13B | 12.38B | 11.80B |
| Gross Profit | 14.77B | 14.94B | 13.88B | 12.93B | 12.15B | 11.49B |
| EBITDA | 2.14B | 2.94B | 2.65B | 2.31B | 2.48B | 2.04B |
| Net Income | 1.29B | 1.58B | 1.31B | 1.06B | 1.04B | 891.00M |
Balance Sheet | ||||||
| Total Assets | 1.11T | 1.14T | 1.11T | 1.15T | 1.10T | 1.11T |
| Cash, Cash Equivalents and Short-Term Investments | 106.68B | 71.20B | 93.27B | 124.76B | 72.58B | 99.52B |
| Total Debt | 24.05B | 24.06B | 24.06B | 42.06B | 42.06B | 63.76B |
| Total Liabilities | 1.07T | 1.08T | 1.06T | 1.10T | 1.05T | 1.06T |
| Stockholders Equity | 48.68B | 50.82B | 47.99B | 49.90B | 47.77B | 48.67B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.44B | -4.33B | 0.00 | -38.59B | 11.43B |
| Operating Cash Flow | 0.00 | 4.77B | -3.98B | 0.00 | -38.20B | 12.00B |
| Investing Cash Flow | 0.00 | -51.96B | 6.61B | -4.00B | 11.73B | -8.65B |
| Financing Cash Flow | 0.00 | 25.13B | -22.53B | 48.96B | -471.00M | -467.00M |
TOTTORI BANK, LTD. Technical Analysis
Positive
1598.00
Price Trends
1574.52
Positive
1669.86
Negative
1533.94
Positive
Market Momentum
8.08
Negative
61.53
Neutral
83.02
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8383, the sentiment is Positive. The current price of 1598 is above the 20-day moving average (MA) of 1500.75, above the 50-day MA of 1574.52, and above the 200-day MA of 1533.94, indicating a bullish trend. The MACD of 8.08 indicates Negative momentum. The RSI at 61.53 is Neutral, neither overbought nor oversold. The STOCH value of 83.02 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8383.
TOTTORI BANK, LTD. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥25.76B | 9.56 | ― | 3.50% | 18.83% | 12.15% | |
69 Neutral | ¥15.10B | 9.13 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.19B | 7.22 | ― | 3.74% | 15.32% | 26.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | ¥17.29B | 10.08 | ― | 3.37% | 6.15% | -0.87% | |
58 Neutral | ¥11.53B | 10.62 | ― | 2.68% | 24.95% | 10.64% | |
52 Neutral | ¥12.00B | 16.24 | ― | 1.89% | 17.42% | ― |
* Financial Sector Average
JP:8383
TOTTORI BANK, LTD.
1,594.00
391.11
32.51%
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.