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Tochigi Bank, Ltd. (JP:8550)
:8550
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¥235.00 - ¥1,082.00
Previous CloseN/A
Volume303.10K
Average Volume (3M)703.38K
Market Cap
¥96.62B
Enterprise Value-¥337.46B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥229.30B
Price to Earnings (P/E)7.0
Beta1.45
Next Earnings
May 08, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)26.11
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 Ratio2.52
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
Low Leverage / Strong Balance SheetA low debt-to-equity ratio (0.22) and solid equity base provide resilience through economic cycles, supporting regulatory ratios and loss absorption. This conservatism preserves lending capacity and strategic optionality, allowing the bank to support local clients and pursue selective growth without immediate refinancing risk.
Operating Cash GenerationStrong operating cash relative to reported losses shows core banking activities generate cash despite accounting losses. Durable cash conversion supports funding of loan books, deposit management and operational needs, buying time to repair profitability while limiting urgent external financing requirements.
Revenue Growth TrendSustained revenue growth indicates expanding loan volumes, fee income or improved client activity in the region. Persistent top-line momentum supports economies of scale, cross-sell opportunities and potential margin recovery if cost control follows, underpinning longer-term franchise strength in its local market.
Bears Say
Negative Profitability / ROESustained negative margins and negative ROE indicate the bank is not generating adequate returns on equity, eroding capital over time. Without credible path to sustained profitability, management will face constraints on dividends, capital allocation and competitive investment, risking franchise value erosion.
Weak Free Cash Flow CoverageWhen free cash flow fails to cover accounting losses, the bank's capacity to self-fund growth, reserves, or shareholder distributions is limited. Over months this can force reliance on retained equity, asset sales or external funding, reducing strategic flexibility and increasing vulnerability to funding cost shocks.
Regional Concentration RiskHeavy geographic and client concentration in a single prefecture ties performance to local economic cycles and sector mix. This limits diversification, amplifies exposure to regional downturns or demographic headwinds, and constrains scale advantages versus larger national banks or diversified competitors.
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 ¥235.00 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 ¥96.62B.
When is Tochigi Bank, Ltd.’s upcoming earnings report date?
Tochigi Bank, Ltd.’s upcoming earnings report date is May 08, 2026 which is in 62 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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