Tomato Bank, Ltd. (8542) AI Stock Analysis

• Market Cap: ¥16.70B
• Dividend Yield: 3.44%
• Average Volume (3M): 18.46K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.56
• Revenue Growth: 3.70%
• EPS Growth: 24.98%
• Country: JP
• Employees: 768
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 25.47
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: ¥1,420.00 ▼(-2.27% Downside)

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.

Positive Factors

Improved Profitability

Improved profitability metrics indicate Tomato Bank's ability to manage costs effectively and enhance earnings, supporting long-term financial health.

Debt Management

Reduced leverage through improved debt-to-equity ratio enhances financial stability and provides more flexibility for future investments and growth.

Cash Generation

Strong cash generation relative to earnings suggests robust cash management, ensuring liquidity and supporting sustainable operations.

Negative Factors

Revenue Decline

A decline in revenue growth rate indicates potential challenges in market expansion or product demand, which could affect future profitability.

Past Cash Flow Issues

Historical cash flow issues highlight potential risks in liquidity management, which could impact the bank's ability to fund operations and growth.

Low Return on Equity

Low return on equity suggests limited profitability from shareholders' investments, potentially affecting investor confidence and capital raising ability.

Tomato Bank, Ltd. Business Overview & Revenue Model

Company Description

Tomato Bank, Ltd. (8542) is a prominent financial institution based in Japan, specializing in retail banking services. The bank offers a comprehensive range of financial products including savings accounts, personal loans, mortgages, and investment services. Tomato Bank primarily caters to individual consumers and small to medium-sized enterprises, focusing on providing accessible financial solutions and fostering community development through its various banking initiatives.

How the Company Makes Money

Tomato Bank generates revenue through several key streams. Primarily, the bank earns interest income from loans issued to customers, which include personal loans, mortgages, and business financing. This interest represents a significant portion of the bank's earnings. Additionally, Tomato Bank collects fees for various services such as account maintenance, transaction fees, and advisory services, contributing to its non-interest income. The bank may also engage in investment activities, where it invests in securities and other financial instruments to generate additional returns. Strategic partnerships with local businesses and community organizations enhance its customer base, driving deposits and lending activity, which further supports the bank's 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	21.55B	20.71B	20.41B	20.01B
Gross Profit	23.49B	22.21B	21.30B	20.29B	20.14B	19.57B
EBITDA	3.03B	3.33B	3.06B	3.50B	3.20B	2.97B
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	86.56B	196.34B	103.46B
Total Debt	40.03B	39.98B	39.34B	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: 1453.00
• 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:8542, the sentiment is Positive. The current price of 1453 is above the 20-day moving average (MA) of 1443.00, above the 50-day MA of 1398.68, and above the 200-day MA of 1266.62, indicating a bullish trend. The MACD of 22.89 indicates Positive momentum. The RSI at 53.94 is Neutral, neither overbought nor oversold. The STOCH value of 50.48 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
8349	72 Outperform	¥13.17B	8.22	―	3.63%	13.77%	19.08%
8537	71 Outperform	¥18.25B	8.38	―	3.62%	16.60%	-5.51%
8383	70 Outperform	¥13.59B	9.78	―	3.40%	11.93%	36.32%
8364	68 Neutral	¥25.63B	11.71	―	2.71%	4.90%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	64 Neutral	¥16.70B	9.82	―	3.44%	3.70%	24.98%
8563	63 Neutral	¥10.52B	7.61	―	3.86%	5.91%	5.03%