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¥277.00 - ¥1,082.00
Previous CloseN/A
Volume303.10K
Average Volume (3M)703.38K
Market Cap
¥104.56B
Enterprise Value-¥327.77B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥229.30B
Price to Earnings (P/E)7.0
Beta1.46
Next Earnings
May 13, 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 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
Deposit-funded Business ModelA deposit-heavy, spread-driven model provides durable funding stability and low reliance on wholesale markets. For a regional bank focused on local retail and SME clients, customer deposits support predictable lending capacity and steady net interest income over the medium term, anchoring cash generation and credit activity.
Conservative Balance SheetVery low leverage and a strong equity base afford resilience to credit shocks and regulatory stress tests. This conservative structure preserves financial flexibility to support lending, absorb losses without urgent recapitalization, and maintain trust with local depositors and counterparties over time.
Sustained Revenue GrowthDouble-digit revenue growth indicates growing loan demand or fee income in its regional franchise, expanding the bank's operating scale. Sustained top-line growth can support eventual margin recovery if cost control and credit quality improve, and provides a platform to rebuild profitability over several quarters.
Bears Say
Negative ProfitabilityPersistent negative margins indicate the bank is not converting revenue into profit, reflecting either elevated credit costs, margin compression, or operating inefficiencies. Ongoing losses erode capital, constrain reinvestment, and limit the bank's ability to reward shareholders or expand risk-weighted assets without additional capital support.
Poor Returns On EquityA negative ROE despite a conservative capital structure signals inefficient use of equity capital and weak core profitability. Over time this undermines investor confidence, limits internal capital generation for growth, and may force strategic shifts or external capital raises to meet return expectations.
Weak Free Cash Flow CoverageThough operating cash flow appears strong versus reported earnings, inconsistent free cash flow and prior negatives mean cash generation may not sustainably cover losses or fund investments. This elevates financing risk and could necessitate asset sales or capital injections if losses persist.
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 ¥277.00 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 ¥104.56B.
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 23 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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