Tomato Bank, Ltd. (8542) AI Stock Analysis

• Market Cap: ¥15.28B
• Dividend Yield: 3.73%
• Average Volume (3M): 18.46K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.55
• Revenue Growth: 2.61%
• EPS Growth: -7.91%
• Country: JP
• Employees: 768
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 25.95
• Shares Outstanding: 11,679,030
• 10 Day Avg. Volume: 21,960
• 30 Day Avg. Volume: 18,460
• PEG Ratio: 0.63
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 1.02
• P/FCF Ratio: 1.59
• 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: ¥1,420.00
• Price Target Upside: 5.97% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ¥1,420.00 ▲(5.97% Upside)

Tomato Bank, Ltd. has a balanced overall stock score driven by favorable valuation metrics and a stable financial position. However, technical analysis indicates potential short-term weakness, and past cash flow issues pose risks. The absence of earnings call data and corporate events limits additional insights.

Tomato Bank, Ltd. Business Overview & Revenue Model

Company Description

Tomato Bank, Ltd. provides banking products and services for individual and corporate customers in Japan. It accepts saving, time, reserve, and foreign currency deposits, as well as provides loan products, such as card, housing, remodeling, free, car, education, and other loans. The company also offers debit and credit cards; life and non-life insurance products and services; and bonds. In addition, it provides pension, investment trust, electronic money charge, payment and transfer, safe deposit box, and Internet and mobile banking services. Further, the company provides consulting, business support, fund management, and ATM services. As of June 30, 2021, it operated a network of 61 branches. The company was formerly known as Sanyo Mutual Bank, Ltd. and changed its name to Tomato Bank, Ltd. in April 1989. Tomato Bank, Ltd. was incorporated in 1931 and is headquartered in Okayama, Japan.

How the Company Makes Money

Tomato Bank, Ltd. generates revenue primarily through interest income from loans and advances made to customers, which constitutes a significant portion of its earnings. The bank charges interest on various lending products, including personal loans, mortgages, and business loans, contributing to its core revenue stream. Additionally, the bank earns fees from various services such as account maintenance, transaction processing, and advisory services. Investment income from securities and other financial instruments also adds to the bank's overall profitability. Strategic partnerships with fintech companies may enhance Tomato Bank's service offerings and customer reach, further driving revenue growth.

Tomato Bank, Ltd. Financial Statement Overview

Summary

Tomato Bank, Ltd. presents a stable yet cautious financial outlook. Profitability metrics have improved, but revenue decline and past cash flow issues pose risks. The balance sheet is moderately leveraged, providing some stability.

Income Statement

Tomato Bank, Ltd. shows a mixed performance in its income statement. The net profit margin has improved to 7.33% in the latest year, indicating better profitability. However, the revenue growth rate has declined by 7.65%, which is a concern. The EBIT margin is stable at 11.09%, suggesting efficient operations, but the EBITDA margin has decreased, indicating potential cost pressures.

Balance Sheet

The balance sheet reflects a moderate financial position. The debt-to-equity ratio has improved to 0.72, showing a reduction in leverage. Return on equity is relatively low at 3.25%, indicating limited profitability from equity. The equity ratio is stable, suggesting a balanced asset structure.

Cash Flow

Cash flow analysis reveals challenges. Although free cash flow has grown significantly, the operating cash flow to net income ratio is strong at 2.97, indicating good cash generation relative to earnings. However, past negative operating cash flows raise concerns about cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.49B	23.16B	23.61B	20.71B	20.41B	20.01B
Gross Profit	23.49B	23.48B	23.63B	22.11B	20.14B	19.57B
EBITDA	3.03B	3.33B	3.06B	3.50B	3.20B	2.00B
Net Income	1.52B	1.82B	1.53B	1.88B	1.66B	1.52B
Balance Sheet
Total Assets	1.38T	1.36T	1.34T	1.31T	1.40T	1.30T
Cash, Cash Equivalents and Short-Term Investments	0.00	108.83B	101.97B	86.59B	196.34B	103.46B
Total Debt	40.03B	39.98B	39.75B	25.44B	120.55B	26.77B
Total Liabilities	1.32T	1.31T	1.29T	1.26T	1.35T	1.25T
Stockholders Equity	56.45B	55.86B	56.83B	54.20B	54.75B	51.81B
Cash Flow
Free Cash Flow	0.00	14.90B	-3.37B	-110.62B	90.10B	46.66B
Operating Cash Flow	0.00	15.32B	-3.02B	-110.25B	90.73B	47.32B
Investing Cash Flow	0.00	-26.13B	8.86B	2.06B	-13.00M	-10.85B
Financing Cash Flow	0.00	17.39B	17.55B	-828.00M	2.17B	-806.00M

Tomato Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1340.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8542, the sentiment is Positive. The current price of 1340 is above the 20-day moving average (MA) of 1328.09, below the 50-day MA of 1341.90, and above the 200-day MA of 1219.21, indicating a neutral trend. The MACD of 0.98 indicates Negative momentum. The RSI at 52.63 is Neutral, neither overbought nor oversold. The STOCH value of 62.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8542.

Tomato Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8383	73 Outperform	¥12.65B	9.79	―	3.66%	9.46%	9.41%
8349	72 Outperform	¥12.30B	10.64	―	3.86%	7.67%	-26.27%
8537	72 Outperform	¥15.74B	6.42	―	3.90%	14.06%	20.87%
8364	69 Neutral	¥23.24B	10.54	―	2.94%	0.44%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	64 Neutral	¥15.28B	10.62	―	3.73%	2.61%	-7.91%
8563	60 Neutral	¥9.61B	6.78	―	4.17%	2.44%	10.20%