TOTTORI BANK, LTD. (8383) AI Stock Analysis

• Market Cap: ¥12.65B
• Dividend Yield: 3.65%
• Average Volume (3M): 16.87K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.57
• Revenue Growth: 9.46%
• EPS Growth: 9.41%
• Country: JP
• Employees: 634
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 58.51
• 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: ¥1,502.00
• Price Target Upside: 9.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ¥1,502.00 ▲(9.64% Upside)

Tottori Bank's stock is supported by strong technical indicators and attractive valuation metrics. While financial performance shows growth, cash flow management needs improvement. The absence of earnings call data and corporate events limits further insights.

TOTTORI BANK, LTD. Business Overview & Revenue Model

Company Description

TOTTORI BANK, LTD. (8383) is a regional bank based in Tottori Prefecture, Japan, primarily engaged in providing a wide range of financial services to individuals, businesses, and local governments. The bank's core offerings include retail banking services such as savings and current accounts, consumer loans, mortgages, and investment products, as well as commercial banking services that encompass corporate financing, trade finance, and asset management. Tottori Bank aims to support the economic development of its region while ensuring customer satisfaction through personalized financial solutions.

How the Company Makes Money

TOTTORI BANK generates revenue primarily through interest income from loans and advances made to customers, which typically constitute a significant portion of its earnings. The bank also earns interest from securities investments and other financial instruments. Additionally, fee-based services such as account maintenance fees, transaction fees, and advisory services contribute to its revenue streams. The bank may engage in partnerships with local businesses and government entities, facilitating access to capital and financial services, which bolsters its earnings potential. Furthermore, Tottori Bank may benefit from regional economic growth and increasing demand for banking services, impacting its overall profitability.

TOTTORI BANK, LTD. Financial Statement Overview

Summary

Tottori Bank shows strong revenue growth and improved profitability margins. However, operational inefficiencies and cash flow management issues are concerning. The balance sheet reflects reduced leverage, enhancing financial stability.

Income Statement

Tottori Bank has shown consistent revenue growth over the years, with a 3.64% increase in the latest period. The net profit margin has improved to 8.84%, indicating enhanced profitability. However, the EBIT and EBITDA margins have decreased compared to previous years, suggesting potential operational inefficiencies.

Balance Sheet

The bank's debt-to-equity ratio has improved to 0.50, reflecting a stronger balance sheet with reduced leverage. Return on equity is modest at 2.74%, indicating moderate profitability relative to shareholder equity. The equity ratio remains stable, showcasing a solid capital structure.

Cash Flow

The cash flow situation is concerning, with negative operating and free cash flows in the latest period. The free cash flow to net income ratio is positive, but the operating cash flow to net income ratio is negative, highlighting cash flow management challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.12B	14.65B	13.13B	13.23B	11.80B	11.85B
Gross Profit	14.77B	14.08B	13.26B	13.23B	11.49B	11.53B
EBITDA	2.14B	2.65B	2.31B	2.48B	2.04B	1.34B
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	43.35B	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	49.91B	47.77B	48.67B	49.34B
Cash Flow
Free Cash Flow	0.00	-4.33B	-2.65B	-38.59B	11.43B	29.26B
Operating Cash Flow	0.00	-3.98B	-1.71B	-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: Positive
• Last Price: 1370.00
• 50DMA: Positive
• 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 Positive. The current price of 1370 is above the 20-day moving average (MA) of 1353.42, above the 50-day MA of 1331.64, and above the 200-day MA of 1263.16, indicating a bullish trend. The MACD of 7.61 indicates Positive momentum. The RSI at 57.25 is Neutral, neither overbought nor oversold. The STOCH value of 73.11 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8383	73 Outperform	¥12.65B	9.79	―	3.65%	9.46%	9.41%
7161	73 Outperform	¥10.59B	6.03	―	1.25%	2.20%	―
8349	72 Outperform	¥12.38B	10.64	―	3.83%	7.67%	-26.27%
8537	72 Outperform	¥15.74B	6.42	―	3.90%	14.06%	20.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	64 Neutral	¥15.28B	10.62	―	3.73%	2.61%	-7.91%
8563	60 Neutral	¥9.61B	6.78	―	4.19%	2.44%	10.20%