Taiko Bank, Ltd. (JP:8537)
:8537
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Taiko Bank, Ltd.
(8537)
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Rating:72Outperform
Price Target:
¥3,048.00
▲(47.32% Upside)
Action:ReiteratedDate:01/24/26
Overall score reflects solid financial performance and cash generation, supported by reasonable valuation (P/E 10.54 and 2.88% dividend yield). Technicals are strong but momentum indicators (RSI 74.54, Stoch 78.85) suggest the stock may be extended in the near term. Key risk from the fundamentals is the relatively low equity ratio (4.47%) alongside inconsistent historical revenue growth.
Positive Factors
High profitability margins
Sustainably high gross and operating margins indicate efficient core banking operations and strong revenue retention. These margins provide an enduring earnings cushion versus peers, supporting ability to absorb cyclical loan losses and fund reinvestment or shareholder returns over the medium term.
Negative Factors
Low equity ratio
A thin equity ratio signals limited capital cushions relative to assets, increasing vulnerability to loan-losses or market shocks. Over the medium term this elevates the probability of needing external capital or restricting asset growth to preserve regulatory and solvency margins.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability margins
Sustainably high gross and operating margins indicate efficient core banking operations and strong revenue retention. These margins provide an enduring earnings cushion versus peers, supporting ability to absorb cyclical loan losses and fund reinvestment or shareholder returns over the medium term.
Read all positive factors
Taiko Bank, Ltd. (8537) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥23.88B
Dividend Yield3.5%
Average Volume (3M)29.90K
Price to Earnings (P/E)7.1
Beta (1Y)1.03
Revenue Growth16.60%
EPS Growth-5.51%
CountryJP
Employees793
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)72.98
Shares Outstanding9,671,400
10 Day Avg. Volume33,270
30 Day Avg. Volume29,900
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.18
Price to Sales (P/S)0.68
P/FCF Ratio0.00
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
Taiko Bank, Ltd. Business Overview & Revenue Model
Company Description
The Taiko Bank,Ltd. provides various banking products and services in Japan. The company offers loans, credit card and guarantee, general leasing, foreign exchange, and Internet banking services. It operates through a network of 71 branches. The c...
How the Company Makes Money
Taiko Bank generates revenue primarily through interest income from loans and mortgages, which is a significant portion of its earnings. The bank charges interest on various loan products, including personal loans, business loans, and home mortgag...
Taiko Bank, Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.83B | 19.95B | 19.82B | 19.64B | 19.06B | 19.87B |
| Gross Profit | 20.32B | 18.80B | 19.58B | 19.42B | 18.81B | 19.54B |
| EBITDA | 17.35B | 4.62B | 3.26B | 2.53B | 3.57B | 3.12B |
| Net Income | 2.47B | 2.50B | 1.72B | 1.28B | 2.04B | 1.57B |
Balance Sheet | ||||||
| Total Assets | 1.70T | 1.68T | 1.63T | 1.61T | 1.70T | 1.71T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 127.11B | 85.98B | 104.37B | 237.74B | 231.90B |
| Total Debt | 141.85B | 88.10B | 70.20B | 52.10B | 138.00B | 117.34B |
| Total Liabilities | 1.62T | 1.60T | 1.55T | 1.53T | 1.62T | 1.63T |
| Stockholders Equity | 78.15B | 74.98B | 77.65B | 73.11B | 76.98B | 79.23B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 11.56B | -139.63B | -4.52B | 142.68B |
| Operating Cash Flow | 0.00 | 0.00 | 1.60B | -139.40B | -4.19B | 143.44B |
| Investing Cash Flow | 0.00 | 846.00M | -19.40B | 6.62B | 10.63B | -1.67B |
| Financing Cash Flow | 0.00 | -649.00M | -592.00M | -589.00M | -592.00M | -736.00M |
Taiko Bank, Ltd. Technical Analysis
Positive
2069.00
Price Trends
2514.43
Positive
2253.34
Positive
1935.12
Positive
Market Momentum
-12.70
Negative
53.98
Neutral
79.96
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 2069 is below the 20-day moving average (MA) of 2431.43, below the 50-day MA of 2514.43, and above the 200-day MA of 1935.12, indicating a bullish trend. The MACD of -12.70 indicates Negative momentum. The RSI at 53.98 is Neutral, neither overbought nor oversold. The STOCH value of 79.96 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥23.88B | 7.08 | ― | 3.50% | 16.60% | -5.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥18.48B | 4.85 | ― | 3.37% | 3.70% | 24.98% | |
66 Neutral | ¥12.80B | 7.04 | ― | 3.74% | 5.91% | 5.03% | |
64 Neutral | ¥29.26B | 7.87 | ― | 2.59% | 4.90% | ― | |
64 Neutral | ¥15.77B | 4.33 | ― | 3.30% | 11.93% | 36.32% | |
53 Neutral | ¥13.29B | 8.11 | ― | 1.89% | 8.11% | 68.98% |
* Financial Sector Average
JP:8537
Taiko Bank, Ltd.
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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.