Tochigi Bank, Ltd. (JP:8550)
:8550
Want to see JP:8550 full AI Analyst Report?
Top Page
Tochigi Bank, Ltd.
(8550)
Select Model
Select Model
Rating:61Neutral
Price Target:
¥983.00
▲(23.96% Upside)
Action:Reiterated
Date:05/15/26
The score is supported primarily by attractive valuation (low P/E and a moderate dividend yield) and a broadly constructive longer-term trend versus key moving averages. Offsetting this is financial volatility, particularly inconsistent cash flow and the recent history of large earnings swings.
Positive Factors
Balance sheet resilience
A multi‑trillion yen asset base and steady equity provide durable loss-absorbing capacity and funding scale for regional lending. This supports the bank’s ability to sustain core lending, meet regulatory capital needs, and absorb cyclical credit shocks over the next several months.
Negative Factors
Erratic cash flow generation
Large multi-year swings in operating and free cash flow undermine confidence in sustainable internal funding for lending, investments, and dividends. Persistent variability limits planning, raises rollover risk for assets, and constrains capex or strategic initiatives over coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet resilience
A multi‑trillion yen asset base and steady equity provide durable loss-absorbing capacity and funding scale for regional lending. This supports the bank’s ability to sustain core lending, meet regulatory capital needs, and absorb cyclical credit shocks over the next several months.
Read all positive factors
Tochigi Bank, Ltd. (8550) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥98.61B
Dividend Yield2.12%
Average Volume (3M)703.38K
Price to Earnings (P/E)11.9
Beta (1Y)1.47
Revenue Growth37.01%
EPS GrowthN/A
CountryJP
Employees1,544
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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-0.08
Price to Book (P/B)0.55
Price to Sales (P/S)1.74
P/FCF Ratio11.48
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
Tochigi Bank, Ltd. Business Overview & Revenue Model
Company Description
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, proper...
How the Company Makes Money
The bank’s earnings are primarily driven by its core banking spread business: it raises funds mainly through customer deposits and other funding, then deploys those funds into interest-earning assets such as loans (e.g., corporate/SME lending, con...
Tochigi Bank, Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
62
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.35B | 51.40B | 40.31B | 41.04B | 41.33B | 37.76B |
| Gross Profit | 1.35B | 43.14B | 37.89B | 40.93B | 41.19B | 37.52B |
| EBITDA | -21.48B | 11.34B | -22.22B | 4.43B | 5.29B | 5.67B |
| Net Income | -21.65B | 8.29B | -22.33B | 2.10B | 2.65B | 3.63B |
Balance Sheet | ||||||
| Total Assets | 3.58T | 3.42T | 3.33T | 3.31T | 3.28T | 3.52T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 466.15B | 699.67B | 585.71B | 572.44B | 895.52B |
| Total Debt | 229.30B | 45.81B | 33.36B | 34.13B | 41.75B | 313.80B |
| Total Liabilities | 3.42T | 3.25T | 3.18T | 3.16T | 3.12T | 3.35T |
| Stockholders Equity | 154.12B | 163.24B | 151.49B | 150.20B | 153.41B | 161.29B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.79B | 0.00 | -1.36B | -292.20B | 278.43B |
| Operating Cash Flow | 0.00 | 14.92B | 0.00 | 1.10B | -290.89B | 279.58B |
| Investing Cash Flow | 0.00 | -300.99B | 217.17B | -35.63B | -32.44B | -42.96B |
| Financing Cash Flow | 0.00 | 63.19B | 5.82B | 51.05B | -904.00M | -545.00M |
Tochigi Bank, Ltd. Technical Analysis
Neutral
793.00
Price Trends
940.34
Positive
913.33
Positive
725.74
Positive
Market Momentum
4.59
Positive
47.37
Neutral
32.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8550, the sentiment is Neutral. The current price of 793 is below the 20-day moving average (MA) of 960.05, below the 50-day MA of 940.34, and above the 200-day MA of 725.74, indicating a neutral trend. The MACD of 4.59 indicates Positive momentum. The RSI at 47.37 is Neutral, neither overbought nor oversold. The STOCH value of 32.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8550.
Tochigi Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥107.18B | 13.87 | ― | 3.35% | 26.92% | 35.22% | |
71 Outperform | ¥113.00B | 6.62 | ― | 3.05% | 49.84% | 156.03% | |
68 Neutral | ¥1.15T | 14.82 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥860.15B | 14.53 | 8.19% | 3.14% | 22.63% | 36.09% | |
64 Neutral | ¥106.30B | 11.31 | ― | 2.46% | 16.88% | 59.34% | |
61 Neutral | ¥98.61B | 11.87 | ― | 2.12% | 37.01% | ― |
* Financial Sector Average
JP:8550
Tochigi Bank, Ltd.
944.00
577.88
157.84%
JP:8334
Gunma Bank
2,260.00
1,061.95
88.64%
JP:7167
Mebuki Financial Group, Inc.
1,329.50
614.74
86.01%
JP:8343
Akita Bank, Ltd.
5,990.00
3,095.37
106.93%
JP:8387
Shikoku Bank Ltd.
2,749.00
1,641.78
148.28%
JP:8399
Bank Of The Ryukyus,Limited
2,506.00
1,383.18
123.19%
Tochigi Bank, Ltd. Corporate Events
Tochigi Bank Overhauls Board and Auditor Structure to Strengthen Governance
May 13, 2026
Tochigi Bank has announced a series of leadership changes aimed at strengthening its management framework amid a rapidly changing business environment. The board has resolved to promote Managing Director Kosuke Sudo, currently Director and General...
Tochigi Bank Swings Back to Profit and Lifts Dividend on Improved Earnings
May 13, 2026
The Tochigi Bank reported a sharp turnaround in its fiscal year ended March 31, 2026, posting ordinary income of ¥54.6 billion, ordinary profit of ¥10.0 billion and profit attributable to owners of parent of ¥8.3 billion after a lar...
Tochigi Bank Lifts Dividend and Adopts More Generous Shareholder Return Policy
May 13, 2026
The Tochigi Bank, Ltd. has approved an increased year-end dividend of 14 yen per share for the fiscal year ended March 31, 2026, up from the previously planned 12 yen, reflecting stronger performance and its existing shareholder return policy base...
Tochigi Bank to Shift to Audit and Supervisory Committee Structure, Cut Board Size
May 13, 2026
The Tochigi Bank, Ltd. plans to transition its governance structure to a company with an Audit and Supervisory Committee, replacing its current statutory auditor system and revising related articles to formalize the role and number of committee me...
Tochigi Bank to Shift to Audit and Supervisory Committee Structure in 2026
Mar 26, 2026
Tochigi Bank plans to transition to a company with an audit and supervisory committee structure, following board approval and subject to shareholder consent at its 123rd annual general meeting in June 2026. The move is aimed at strengthening corpo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.