Taiko Bank, Ltd. (8537) AI Stock Analysis

• Market Cap: ¥16.10B
• Dividend Yield: 3.94%
• Average Volume (3M): 39.15K
• Price to Earnings (P/E): 6.6
• Beta (1Y): 0.84
• Revenue Growth: 14.06%
• EPS Growth: 20.87%
• Country: JP
• Employees: 793
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 90.45
• Shares Outstanding: 9,671,400
• 10 Day Avg. Volume: 33,030
• 30 Day Avg. Volume: 39,153
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ¥1,793.00
• Price Target Upside: 6.92% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: ¥1,793.00 ▲(6.92% Upside)

The overall score is driven by strong financial performance and attractive valuation. The technical analysis suggests bullish momentum but warns of overbought conditions. The absence of earnings call and corporate events data limits the analysis to financial and market metrics.

Taiko Bank, Ltd. Business Overview & Revenue Model

Company Description

Taiko Bank, Ltd. (8537) is a regional financial institution based in Japan, primarily engaged in providing a wide range of banking services to individual and corporate clients. The bank offers various financial products, including savings and checking accounts, loans, credit facilities, and investment services. Taiko Bank focuses on serving local communities and small to medium-sized enterprises (SMEs) by delivering personalized banking solutions tailored to their needs.

How the Company Makes Money

Taiko Bank, Ltd. generates revenue primarily through interest income from loans and advances offered to individuals and businesses. The bank earns interest on various loan products, including personal loans, mortgages, and commercial loans, which constitute a significant portion of its income. Additionally, Taiko Bank generates fee-based income from services such as account maintenance fees, transaction fees, and advisory services related to investment products. The bank also earns income through its treasury operations, which involve managing its investment portfolio and trading activities. Partnerships with other financial institutions and participation in local economic development initiatives further support its revenue generation.

Taiko Bank, Ltd. Financial Statement Overview

Summary

Taiko Bank, Ltd. shows solid financial performance with a strong profit margin and effective cash generation. Despite inconsistent revenue growth and a low equity ratio indicating potential risks, the bank maintains decent shareholder returns and efficient cash operations.

Income Statement

The income statement shows a solid gross profit margin of 94.24%, indicating strong revenue retention. The net profit margin improved significantly to 12.51%, reflecting enhanced profitability. Although the revenue grew by 10.21% from 2024 to 2025, this growth has been inconsistent over the years. The EBIT and EBITDA margins are healthy at 22.89%, showing effective operational management.

Balance Sheet

The balance sheet is stable with a moderate debt-to-equity ratio of 1.56, suggesting prudent financial leverage. However, the equity ratio is relatively low at 4.47%, which may indicate potential risks in asset financing. Return on equity is commendable at 3.33%, showing decent returns for shareholders.

Cash Flow

Cash flow analysis reveals strong free cash flow growth of 24.26%, indicating improved cash generation. The operating cash flow to net income ratio is robust at 5.68, reflecting efficient cash operations. However, the free cash flow to net income ratio is significantly higher at 5.43, highlighting a potential emphasis on cash over profit.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	19.95B	18.10B	19.42B	18.81B	19.54B
Gross Profit	18.80B	18.10B	19.42B	18.81B	19.54B
EBITDA	4.57B	3.26B	2.53B	3.57B	3.12B
Net Income	2.50B	1.72B	1.28B	2.04B	1.57B
Balance Sheet
Total Assets	1.68T	1.63T	1.61T	1.70T	1.71T
Cash, Cash Equivalents and Short-Term Investments	127.11B	85.98B	104.37B	237.74B	231.90B
Total Debt	116.85B	94.47B	52.10B	138.00B	117.34B
Total Liabilities	1.60T	1.55T	63.97B	1.62T	1.63T
Stockholders Equity	74.98B	77.65B	73.11B	76.98B	79.23B
Cash Flow
Free Cash Flow	13.54B	10.89B	-139.63B	-4.52B	142.68B
Operating Cash Flow	14.19B	1.60B	-139.40B	-4.19B	143.44B
Investing Cash Flow	846.00M	-19.40B	6.62B	10.63B	-1.67B
Financing Cash Flow	-649.00M	-592.00M	-589.00M	-592.00M	-736.00M

Taiko Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1677.00
• 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:8537, the sentiment is Positive. The current price of 1677 is above the 20-day moving average (MA) of 1644.05, above the 50-day MA of 1517.48, and above the 200-day MA of 1416.56, indicating a bullish trend. The MACD of 39.24 indicates Positive momentum. The RSI at 65.40 is Neutral, neither overbought nor oversold. The STOCH value of 61.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8537.

Taiko Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8537	72 Outperform	¥16.10B	6.57		3.94%	14.06%	20.87%
8349	69 Neutral	¥11.28B	9.75		4.27%	-2.78%	13.42%
8383	68 Neutral	¥12.34B	9.56		3.78%	9.46%	9.41%
Sector *	68 Neutral	$17.53B	11.67	10.43%	3.82%	9.93%	1.66%
8542	65 Neutral	¥15.36B	10.68		3.79%	7.92%	-20.34%
8563	62 Neutral	¥9.44B	6.66		4.30%	2.13%	10.94%
8364	42 Neutral	¥20.14B	9.13		3.41%	0.44%	―