TOTTORI BANK, LTD. (8383) AI Stock Analysis

• Market Cap: ¥11.71B
• Dividend Yield: 4%
• Average Volume (3M): 27.14K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.62
• Revenue Growth: 5.17%
• EPS Growth: 35.59%
• Country: JP
• Employees: 634
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 14.16
• Shares Outstanding: 9,619,938
• 10 Day Avg. Volume: 10,110
• 30 Day Avg. Volume: 27,143
• PEG Ratio: 0.60
• Price to Book (P/B): 0.22
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.28
• 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

• Rating: 68 Neutral
• Price Target: ―

TOTTORI BANK, LTD. scores a 68, reflecting robust financial performance, particularly in revenue growth and cost management, and an attractive valuation. However, mixed technical indicators and concerns over liquidity due to limited cash flow data moderately affect the score.

TOTTORI BANK, LTD. Business Overview & Revenue Model

Company Description

TOTTORI BANK, LTD. (8383) is a regional bank headquartered in Tottori, Japan. It operates primarily in the banking sector, offering a wide range of financial services to individuals, small and medium-sized enterprises (SMEs), and larger corporations. The bank provides traditional banking services such as deposits, loans, and credit facilities, along with investment services, foreign exchange, and insurance products. TOTTORI BANK is committed to supporting the local economy and community through its financial solutions.

How the Company Makes Money

TOTTORI BANK, LTD. generates its revenue through a combination of interest income from loans and credit facilities, fees from various banking services, and commissions on investment and insurance products. The bank earns interest by providing personal and business loans, including mortgages and business development loans, to its customers. Additionally, it charges fees for account maintenance, transaction services, and foreign exchange operations. The bank also collaborates with other financial institutions and partners to offer investment products and insurance services, earning commissions on these products. Its focus on local businesses and community development also contributes to its earnings by fostering long-term customer relationships and loyalty.

TOTTORI BANK, LTD. Financial Statement Overview

Summary

TOTTORI BANK, LTD. demonstrates strong revenue growth and effective cost management leading to robust profitability. The balance sheet is stable with manageable leverage but exhibits fluctuations in total debt that require monitoring. Limited cash flow data raises concerns about short-term liquidity management.

Income Statement

The income statement reflects strong revenue growth with a notable increase from the previous year. The gross profit margin is nearly 100%, indicating effective cost management, while the net profit margin is solid at around 8.38% for TTM. EBIT margin shows significant improvement, demonstrating enhanced operational efficiency. However, the absence of EBITDA in recent TTM data indicates potential volatility in earnings calculations.

Balance Sheet

The balance sheet demonstrates stability with a healthy equity ratio of about 4.42% for TTM, suggesting a solid equity base relative to assets. The debt-to-equity ratio is manageable, reflecting prudent leverage management. However, fluctuations in total debt and liabilities over the periods highlight potential risk factors that require monitoring to ensure continued financial stability.

Cash Flow

Cash flow analysis presents challenges, with a lack of data on recent operating and free cash flows indicating potential liquidity constraints. Historical data shows significant fluctuations, with a notable positive free cash flow in 2024. The absence of recent cash flow data limits a comprehensive assessment of the company's liquidity and cash management strategies.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
14.14B	14.86B	12.93B	12.15B	11.49B	11.53B
	Gross Profit
15.31B	0.00	12.93B	12.15B	11.49B	11.53B
	EBIT
4.56B	1.28B	1.00B	841.00M	387.00M	768.00M
	EBITDA
840.00M	1.28B	2.31B	2.48B	2.04B	2.30B
	Net Income Common Stockholders
1.28B	1.31B	1.06B	1.04B	891.00M	996.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
105.12B	0.00	124.76B	72.58B	99.52B	96.63B
	Total Assets
1.11T	1.11T	1.15T	1.10T	1.11T	1.09T
	Total Debt
32.00B	24.06B	43.35B	42.06B	63.76B	63.76B
	Net Debt
-73.12B	24.06B	-81.42B	-30.52B	-35.76B	-32.87B
	Total Liabilities
1.06T	1.06T	1.10T	42.00B	1.06T	1.04T
	Stockholders Equity
48.86B	47.99B	49.91B	47.77B	48.67B	49.34B
Cash Flow		Free Cash Flow
0.00	-4.33B	55.72B	-38.59B	11.43B	29.26B
	Operating Cash Flow
0.00	-3.98B	56.66B	-38.20B	12.00B	29.46B
	Investing Cash Flow
0.00	-4.98B	-4.00B	11.73B	-8.65B	-17.48B
	Financing Cash Flow
0.00	-22.53B	-468.00M	-471.00M	-467.00M	-467.00M

TOTTORI BANK, LTD. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1249.00
• 50DMA: Negative
• 100DMA: Negative
• 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 1249 is below the 20-day moving average (MA) of 1258.55, below the 50-day MA of 1262.12, and above the 200-day MA of 1243.55, indicating a neutral trend. The MACD of -2.52 indicates Positive momentum. The RSI at 50.49 is Neutral, neither overbought nor oversold. The STOCH value of 21.25 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	68 Neutral	¥11.71B	8.92		4.00%	5.17%	35.59%
8524	66 Neutral	¥215.03B	10.85		4.27%	9.37%	72.56%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
8416	62 Neutral	¥7.59B	10.21		4.00%	-1.88%	-57.55%