Taiko Bank, Ltd. (JP:8537)
:8537
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Taiko Bank, Ltd.
(8537)
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Rating:74Outperform
Price Target:
¥3,069.00
▲(48.33% Upside)
Action:Reiterated
Date:05/17/26
The score is driven by strong technical momentum and attractive valuation (low P/E and solid dividend yield). This is balanced by mixed financial quality: improving profitability, but rising leverage and historically volatile cash flow reduce confidence in consistency.
Positive Factors
Revenue and earnings re‑acceleration
A strong 2026 top-line rebound and materially higher net income show the bank can restore growth in core lending and fee activities. Sustained revenue momentum supports earnings durability, strengthens internal capital generation, and improves capacity to absorb credit costs and invest in local franchise development over the next several quarters.
Negative Factors
Rising leverage and borrowings
Borrowings roughly doubled in three years, materially elevating leverage. Higher debt raises interest‑cost and refinancing risk, constrains capital flexibility, and reduces the bank's buffer against credit shocks. Continued debt growth could limit strategic options and heighten sensitivity to funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings re‑acceleration
A strong 2026 top-line rebound and materially higher net income show the bank can restore growth in core lending and fee activities. Sustained revenue momentum supports earnings durability, strengthens internal capital generation, and improves capacity to absorb credit costs and invest in local franchise development over the next several quarters.
Read all positive factors
Taiko Bank, Ltd. (8537) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥26.77B
Dividend Yield3.5%
Average Volume (3M)29.90K
Price to Earnings (P/E)9.6
Beta (1Y)1.08
Revenue Growth1.03%
EPS Growth12.15%
CountryJP
Employees793
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)259.60
Shares Outstanding9,671,400
10 Day Avg. Volume33,270
30 Day Avg. Volume29,900
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)0.27
Price to Sales (P/S)0.87
P/FCF Ratio3.17
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 makes money mainly through (1) net interest income and (2) fee and commission income, supplemented by other financial income.
1) Net interest income (core earnings driver): The bank collects deposits (e.g., ordinary deposits, time dep...
Taiko Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.83B | 25.23B | 19.95B | 19.82B | 19.64B | 19.06B |
| Gross Profit | 20.32B | 21.83B | 18.80B | 19.58B | 19.42B | 18.81B |
| EBITDA | 17.35B | 4.78B | 4.62B | 3.26B | 2.53B | 3.57B |
| Net Income | 2.47B | 2.80B | 2.50B | 1.72B | 1.28B | 2.04B |
Balance Sheet | ||||||
| Total Assets | 1.70T | 1.70T | 1.68T | 1.63T | 1.61T | 1.70T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 146.36B | 127.11B | 85.98B | 104.37B | 237.74B |
| Total Debt | 141.85B | 104.44B | 88.10B | 70.20B | 52.10B | 138.00B |
| Total Liabilities | 1.62T | 1.62T | 1.60T | 1.55T | 1.53T | 1.62T |
| Stockholders Equity | 78.15B | 80.80B | 74.98B | 77.65B | 73.11B | 76.98B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.92B | 0.00 | 11.56B | -139.63B | -4.52B |
| Operating Cash Flow | 0.00 | 7.70B | 0.00 | 1.60B | -139.40B | -4.19B |
| Investing Cash Flow | 0.00 | -9.43B | 846.00M | -19.40B | 6.62B | 10.63B |
| Financing Cash Flow | 0.00 | 18.02B | -649.00M | -592.00M | -589.00M | -592.00M |
Taiko Bank, Ltd. Technical Analysis
Positive
2069.00
Price Trends
2571.53
Positive
2504.49
Positive
2113.17
Positive
Market Momentum
94.58
Negative
59.66
Neutral
37.25
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 2742.35, below the 50-day MA of 2571.53, and below the 200-day MA of 2113.17, indicating a bullish trend. The MACD of 94.58 indicates Negative momentum. The RSI at 59.66 is Neutral, neither overbought nor oversold. The STOCH value of 37.25 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥26.77B | 9.65 | ― | 3.50% | 1.03% | 12.15% | |
69 Neutral | ¥13.84B | 8.73 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.41B | 7.38 | ― | 3.74% | 15.32% | 26.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥28.96B | 14.07 | ― | 2.59% | 17.44% | 9.26% | |
59 Neutral | ¥17.13B | 14.62 | ― | 3.37% | 6.15% | -0.87% | |
52 Neutral | ¥11.96B | 16.25 | ― | 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.