TOTTORI BANK, LTD. (JP:8383)
:8383
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TOTTORI BANK, LTD.
(8383)
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Rating:69Neutral
Price Target:
¥1,807.00
▲(13.08% 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
A materially lower debt-to-equity (≈0.47 in 2026) versus prior peaks improves financial flexibility and resiliency. Reduced leverage lowers funding and solvency risk, giving the bank capacity to support lending, absorb credit shocks, and pursue strategic initiatives without needing immediate capital raises.
Negative Factors
Low return on equity
Persistently low ROE means the bank earns modest returns on its capital base, limiting shareholder value creation and capital accumulation. Over 2–6 months this constrains flexibility to boost dividends or expand risk-weighted assets without sustained profitability or capital optimization improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
A materially lower debt-to-equity (≈0.47 in 2026) versus prior peaks improves financial flexibility and resiliency. Reduced leverage lowers funding and solvency risk, giving the bank capacity to support lending, absorb credit shocks, and pursue strategic initiatives without needing immediate capital raises.
Read all positive factors
TOTTORI BANK, LTD. (8383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥14.29B
Dividend Yield3.3%
Average Volume (3M)16.87K
Price to Earnings (P/E)9.6
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. 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, a...
How the Company Makes Money
TOTTORI BANK, LTD. makes money mainly through (1) net interest income, (2) fee and commission income, and (3) other financial income (including securities-related income), with operating expenses and credit costs reducing profitability.
1) Net in...
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 | 0.00 | 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
Negative
1598.00
Price Trends
1661.11
Negative
1686.83
Negative
1508.81
Positive
Market Momentum
-30.63
Positive
35.29
Neutral
8.90
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8383, the sentiment is Negative. The current price of 1598 is below the 20-day moving average (MA) of 1610.30, below the 50-day MA of 1661.11, and above the 200-day MA of 1508.81, indicating a neutral trend. The MACD of -30.63 indicates Positive momentum. The RSI at 35.29 is Neutral, neither overbought nor oversold. The STOCH value of 8.90 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ¥27.29B | 7.83 | ― | 3.50% | 1.03% | 12.15% | |
69 Neutral | ¥14.29B | 9.59 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.87B | 7.27 | ― | 3.74% | 15.32% | 26.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | ¥17.73B | 9.06 | ― | 3.37% | 6.15% | -0.87% | |
58 Neutral | ¥11.51B | 11.28 | ― | 2.68% | 24.95% | 10.64% | |
52 Neutral | ¥12.87B | 17.29 | ― | 1.89% | 17.42% | ― |
* Financial Sector Average
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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.