TOTTORI BANK, LTD. (8383) AI Stock Analysis

• Market Cap: ¥15.40B
• Dividend Yield: 3.3%
• Average Volume (3M): 16.87K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.58
• Revenue Growth: 11.93%
• EPS Growth: 36.32%
• Country: JP
• Employees: 634
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 25.82
• 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: 70 Outperform
• Price Target: ¥1,603.00 ▲(0.31% Upside)

Tottori Bank's stock is supported by a strong valuation and positive technical indicators, despite some concerns about cash flow management. The attractive P/E ratio and dividend yield enhance its appeal, while the upward price trend suggests continued investor interest. However, the overbought technical indicators warrant caution.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a robust business model and effective market strategies, supporting long-term financial health.

Balance Sheet Health

Improved leverage enhances financial stability, providing the bank with greater flexibility to invest in growth opportunities.

Profitability Margins

Higher profitability margins suggest efficient cost management and pricing strategies, contributing to sustainable earnings growth.

Negative Factors

Cash Flow Management

Negative cash flows can hinder the bank's ability to finance operations and growth, posing a risk to long-term sustainability.

Operational Efficiency

Declining margins may indicate rising costs or inefficiencies, which could impact profitability if not addressed.

Cash Flow Challenges

Persistent cash flow issues could constrain the bank's operational capabilities and limit its strategic financial planning.

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, and foreign exchange services. The Card Business segment provides credit cards. As of March 31, 2020, it operated a network of 65 branches. The company was founded in 1921 and is headquartered in Tottori, Japan.

How the Company Makes Money

TOTTORI BANK generates revenue primarily through interest income from loans and advances made to customers, which typically constitutes the bulk of its earnings. The bank charges interest on various types of loans, including personal loans, mortgages, and business loans. Additionally, the bank earns fee income from various services, such as account maintenance fees, transaction fees, and commissions from investment products. TOTTORI BANK may also engage in investment activities, earning returns on securities and other financial instruments. The bank's partnerships with local businesses and government entities foster community development and can lead to increased lending opportunities, further contributing to its revenue streams.

TOTTORI BANK, LTD. Financial Statement Overview

Summary

Tottori Bank shows strong revenue growth and improved profitability margins, but operational efficiency and cash flow management need attention. The balance sheet indicates reduced leverage, enhancing financial stability. Overall, the bank is on a positive trajectory but must address cash flow issues to sustain growth.

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	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	-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: 1598.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 1523.35, above the 50-day MA of 1442.32, and above the 200-day MA of 1319.58, indicating a bullish trend. The MACD of 47.17 indicates Negative momentum. The RSI at 85.08 is Negative, neither overbought nor oversold. The STOCH value of 89.53 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8349	72 Outperform	¥14.16B	8.84	―	3.58%	13.77%	19.08%
8537	71 Outperform	¥21.98B	10.09	―	3.50%	16.60%	-5.51%
8383	70 Outperform	¥15.40B	11.08	―	3.30%	11.93%	36.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7161	64 Neutral	¥11.61B	7.12	―	1.24%	5.92%	―
8542	64 Neutral	¥17.84B	10.49	―	3.37%	3.70%	24.98%
8563	63 Neutral	¥11.99B	8.67	―	3.74%	5.91%	5.03%