Tochigi Bank, Ltd. (JP:8550)
:8550
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8550 Stock Chart & Stats
¥793.00
¥3.00(1.07%)
At close: 4:00 PM EST
¥793.00
¥3.00(1.07%)
Day’s Range― - ―
52-Week Range¥315.00 - ¥1,082.00
Previous CloseN/A
Volume303.10K
Average Volume (3M)703.38K
Market Cap
¥100.17B
Enterprise Value-¥334.13B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥229.30B
Price to Earnings (P/E)7.0
Beta1.49
Next Earnings
May 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)-208.86
Shares Outstanding109,608,000
10 Day Avg. Volume816,970
30 Day Avg. Volume703,383
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.22
Price to Sales (P/S)0.81
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
Bulls Say, Bears Say
Bulls Say
Conservative LeverageA low debt-to-equity ratio (0.22) indicates a conservative capital structure that improves resilience to regional economic shocks. This durable balance-sheet strength supports continued lending capacity, regulatory flexibility and lower refinancing risk for a regional lender over the medium term.
Operating Cash GenerationStrong operating cash flow relative to reported earnings shows the bank generates tangible cash from core operations, providing a durable source to fund lending, manage credit cycles, and support liquidity. This cash-generation ability underpins ongoing franchise operations despite accounting losses.
Revenue GrowthDouble-digit revenue growth (reported ~22.6%) reflects expanding core activity and customer engagement in the region. Sustained top-line expansion supports scale benefits, potential fee-income diversification, and provides runway to restore margins if cost controls and credit performance improve.
Bears Say
Loss-making ProfitabilityA negative net profit margin signals the bank is currently loss-making, eroding retained earnings and limiting internal capital generation. Persisting losses constrain strategic investment, dividend capacity and weaken competitive positioning among regional peers unless profitability is restored.
Weak Operating MarginsNegative EBIT/EBITDA margins point to structural cost or revenue-mix issues reducing core profitability. For a regional bank, sustained margin weakness undermines return on assets and equity, making it harder to finance branch networks and digital investments without improving cost efficiency or earning asset yields.
Insufficient Free Cash Flow CoverageFree cash flow that does not reliably cover net losses or investment needs creates persistent funding pressure. Over time this may force balance-sheet adjustments, reduce buffers for credit shocks or necessitate external capital, limiting strategic flexibility for lending growth in the region.
Tochigi Bank, Ltd. News
8550 FAQ
What was Tochigi Bank, Ltd.’s price range in the past 12 months?
Tochigi Bank, Ltd. lowest stock price was ¥315.00 and its highest was ¥1082.00 in the past 12 months.
What is Tochigi Bank, Ltd.’s market cap?
Tochigi Bank, Ltd.’s market cap is ¥100.17B.
When is Tochigi Bank, Ltd.’s upcoming earnings report date?
Tochigi Bank, Ltd.’s upcoming earnings report date is May 13, 2026 which is in 3 days.
How were Tochigi Bank, Ltd.’s earnings last quarter?
Tochigi Bank, Ltd. released its earnings results on Jan 30, 2026. The company reported ¥26.11 earnings per share for the quarter, beating the consensus estimate of N/A by ¥26.11.
Is Tochigi Bank, Ltd. overvalued?
According to Wall Street analysts Tochigi Bank, Ltd.’s price is currently Overvalued.
Does Tochigi Bank, Ltd. pay dividends?
Tochigi Bank, Ltd. pays a Semiannually dividend of ¥12 which represents an annual dividend yield of 2.12%. See more information on Tochigi Bank, Ltd. dividends here
What is Tochigi Bank, Ltd.’s EPS estimate?
Tochigi Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Tochigi Bank, Ltd. have?
Tochigi Bank, Ltd. has 109,608,000 shares outstanding.
What happened to Tochigi Bank, Ltd.’s price movement after its last earnings report?
Tochigi Bank, Ltd. reported an EPS of ¥26.11 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.45%.
Which hedge fund is a major shareholder of Tochigi Bank, Ltd.?
Currently, no hedge funds are holding shares in JP:8550
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Tochigi Bank, Ltd.
The Tochigi Bank, Ltd. provides various banking products and services for individual and corporate customers in Japan. It offers various deposits, including ordinary deposits, savings deposits, time deposits, foreign currency time deposits, property accumulation deposits, WEB accounts, and general accounts. The company also provides mortgage loans, remodeling loans, school loans, housing loans, car loans, and bank card loans; asset management services; and insurance and pension products. As of March 31, 2021, it operated through a network of 86 offices and 6 loan plazas, and 335 ATMs in 199 locations. The company was formerly known as Tochigi Mutual Bank Co., Ltd. and changed its name to The Tochigi Bank, Ltd. in 1989. The Tochigi Bank, Ltd. was incorporated in 1942 and is headquartered in Utsunomiya, Japan.
Technical Analysis
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Options Prices
Currently, No data available
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