Tomato Bank, Ltd. (8542) AI Stock Analysis

• Market Cap: ¥13.83B
• Dividend Yield: 4.16%
• Average Volume (3M): 20.97K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 0.58
• Revenue Growth: 7.92%
• EPS Growth: -20.34%
• Country: JP
• Employees: 768
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 36.64
• Shares Outstanding: 11,679,030
• 10 Day Avg. Volume: 19,170
• 30 Day Avg. Volume: 20,970
• PEG Ratio: 0.30
• Price to Book (P/B): 0.42
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: ―

Tomato Bank's overall stock score reflects its strong financial performance, particularly in revenue and operational efficiency, despite cash flow challenges. The stock's technical indicators present mixed signals, but its valuation appears attractive with a low P/E ratio and high dividend yield. The absence of recent earnings call data and corporate events does not affect the score but highlights the importance of monitoring future developments.

Tomato Bank, Ltd. Business Overview & Revenue Model

Company Description

Tomato Bank, Ltd. (8542) is a regional financial institution engaged in providing a comprehensive range of banking services. The bank offers retail and commercial banking products, including savings accounts, loans, and mortgage services, primarily targeting individual customers and small to medium-sized enterprises. With a focus on community-oriented banking, Tomato Bank, Ltd. aims to support local economic growth and deliver personalized financial solutions.

How the Company Makes Money

Tomato Bank, Ltd. generates revenue through various financial services and products. The primary source of income is the interest earned from loans and mortgages extended to individuals and businesses. Additionally, the bank earns from service fees associated with account maintenance, transaction processing, and financial advisory services. Tomato Bank, Ltd. also invests in securities and other financial instruments, contributing to its investment income. Significant partnerships with local businesses and community initiatives further bolster the bank's reputation and customer base, enhancing its profitability.

Tomato Bank, Ltd. Financial Statement Overview

Summary

Tomato Bank exhibits strong revenue and operational performance, with significant EBIT margin improvements. The balance sheet remains stable with controlled leverage and a solid equity base. However, cash flow constraints pose a risk, necessitating strategic improvements in cash management to sustain growth and financial health.

Income Statement

Tomato Bank has demonstrated solid revenue growth with total revenue increasing from 20.29 billion JPY in 2023 to 25.08 billion JPY in TTM 2024, marking a growth rate of approximately 7.8%. The gross profit margin remains high, close to 100%, indicating strong cost management. However, the net profit margin has decreased slightly from 7.6% in 2023 to 5.5% in TTM 2024, suggesting some pressure on net earnings. EBIT margin improved significantly to 41% in TTM 2024 from 8.9% in 2023, indicating enhanced operational efficiency.

Balance Sheet

The balance sheet shows a stable equity base with stockholders' equity increasing to 56.23 billion JPY in TTM 2024. The debt-to-equity ratio is 0.71, reflecting a moderate use of leverage. The equity ratio is relatively stable at around 4%, indicating a balance between liabilities and equity. The increase in total assets to over 1.37 trillion JPY demonstrates growth, although the high total liabilities should be monitored.

Cash Flow

Cash flow analysis reveals challenges, with operating cash flow at zero in the TTM 2024 period. Free cash flow has been negative, reflecting potential issues in cash generation. The company needs to focus on improving its cash flow performance to support its operations and growth.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
25.08B	24.78B	23.61B	20.29B	20.14B	19.57B
	Gross Profit
25.02B	0.00	23.63B	20.29B	20.14B	19.57B
	EBIT
10.28B	2.75B	2.28B	1.75B	1.46B	1.29B
	EBITDA
1.42B	2.75B	3.06B	3.50B	3.20B	2.97B
	Net Income Common Stockholders
1.37B	1.82B	1.53B	1.88B	1.66B	1.52B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
113.97B	0.00	101.97B	86.59B	196.34B	103.46B
	Total Assets
1.37T	1.36T	1.34T	1.31T	1.40T	1.30T
	Total Debt
40.12B	39.98B	39.75B	25.44B	120.55B	26.77B
	Net Debt
-73.85B	39.98B	-62.22B	-61.12B	-75.79B	-76.69B
	Total Liabilities
1.31T	1.31T	1.29T	1.26T	1.35T	1.25T
	Stockholders Equity
56.23B	55.86B	56.83B	54.20B	54.75B	51.81B
Cash Flow		Free Cash Flow
0.00	14.90B	-3.51B	-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: 1207.00
• 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 1207 is above the 20-day moving average (MA) of 1193.85, above the 50-day MA of 1175.20, and above the 200-day MA of 1158.43, indicating a bullish trend. The MACD of 6.39 indicates Positive momentum. The RSI at 59.62 is Neutral, neither overbought nor oversold. The STOCH value of 71.91 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
8551	72 Outperform	¥23.69B	6.01		4.20%	-4.52%	85.81%
8354	70 Outperform	$748.74B	10.22	7.30%	3.59%	15.35%	-1.62%
8334	69 Neutral	¥470.28B	10.58	7.63%	4.15%	-4.47%	30.59%
8393	68 Neutral	¥59.29B	6.17		3.11%	17.59%	44.54%
7180	67 Neutral	¥307.85B	9.99	4.21%	3.42%	-2.23%	1.97%
Sector *	67 Neutral	$16.17B	10.98	9.72%	4.07%	11.95%	-10.49%
8542	65 Neutral	¥13.83B	8.39		4.16%	7.92%	-20.34%