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TOTTORI BANK, LTD.
(8383)
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Rating:66Neutral
Price Target:
¥2,108.00
▲(31.91% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily driven by mixed financial quality: improved recent revenue momentum and better leverage are tempered by low ROE and volatile cash flow history. Technicals show a strong uptrend but with overbought signals that limit the technical score. Valuation is a clear positive, supported by a low P/E and a moderate dividend yield.
Positive Factors
Improving leverage / stronger balance sheet
A sustained reduction in leverage to ~0.47 materially lowers funding and solvency risk for a regional bank. This improves regulatory headroom, supports continued lending to SMEs and households, and gives management durability to withstand stress or fund strategic initiatives without immediate capital raises.
Negative Factors
Low return on equity
Persistently low ROE signals inefficient use of equity and weak profitability versus capital base. Over months this constrains the bank's ability to generate shareholder value, limits retained earnings for reinvestment, and can hamper competitiveness against peers with higher capital returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage / stronger balance sheet
A sustained reduction in leverage to ~0.47 materially lowers funding and solvency risk for a regional bank. This improves regulatory headroom, supports continued lending to SMEs and households, and gives management durability to withstand stress or fund strategic initiatives without immediate capital raises.
Read all positive factors
TOTTORI BANK, LTD. (8383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥18.27B
Dividend Yield2.56%
Average Volume (3M)16.87K
Price to Earnings (P/E)9.8
Beta (1Y)0.76
Revenue Growth22.16%
EPS Growth44.08%
CountryJP
Employees638
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)198.74
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 | 18.74B | 18.14B | 14.65B | 13.13B | 12.38B | 11.80B |
| Gross Profit | 15.81B | 14.94B | 13.88B | 12.93B | 12.15B | 11.49B |
| EBITDA | 2.76B | 2.94B | 2.65B | 2.31B | 2.48B | 2.04B |
| Net Income | 1.86B | 1.58B | 1.31B | 1.06B | 1.04B | 891.00M |
Balance Sheet | ||||||
| Total Assets | 1.15T | 1.14T | 1.11T | 1.15T | 1.10T | 1.11T |
| Cash, Cash Equivalents and Short-Term Investments | 89.48B | 71.20B | 93.27B | 124.76B | 72.58B | 99.52B |
| Total Debt | 24.06B | 24.06B | 24.06B | 42.06B | 42.06B | 63.76B |
| Total Liabilities | 1.10T | 1.08T | 1.06T | 1.10T | 1.05T | 1.06T |
| Stockholders Equity | 51.79B | 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
1646.64
Positive
1631.96
Positive
1602.74
Positive
Market Momentum
73.78
Negative
78.30
Negative
89.17
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 below the 20-day moving average (MA) of 1770.20, below the 50-day MA of 1646.64, and below the 200-day MA of 1602.74, indicating a bullish trend. The MACD of 73.78 indicates Negative momentum. The RSI at 78.30 is Negative, neither overbought nor oversold. The STOCH value of 89.17 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥13.88B | 8.19 | ― | 3.74% | 18.72% | 19.57% | |
69 Neutral | ¥13.16B | 12.68 | ― | 2.68% | 24.30% | -0.84% | |
69 Neutral | ¥21.78B | 9.54 | ― | 2.97% | 9.09% | 70.21% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥18.27B | 9.82 | ― | 3.30% | 22.16% | 44.08% | |
61 Neutral | ¥27.82B | 12.30 | ― | 3.50% | 19.65% | -7.81% | |
59 Neutral | ¥13.04B | 13.96 | ― | 1.89% | 20.99% | ― |
* Financial Sector Average
JP:8383
TOTTORI BANK, LTD.
1,952.00
660.08
51.09%
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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.