Tochigi Bank, Ltd. (JP:8550)
:8550
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Tochigi Bank, Ltd.
(8550)
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Rating:52Neutral
Price Target:
¥1,027.00
▲(29.51% Upside)
Action:ReiteratedDate:01/24/26
The score is held back primarily by weak financial performance (loss-making profitability and negative ROE) despite a stable, low-leverage balance sheet and decent operating cash generation. Technicals are supportive with a strong uptrend, but overbought signals add near-term risk. Valuation provides limited support given the negative P/E and only modest dividend yield.
Positive Factors
Low Leverage / Strong Balance Sheet
A 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.
Negative Factors
Negative Profitability / ROE
Sustained 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Leverage / Strong Balance Sheet
A 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.
Read all positive factors
Tochigi Bank, Ltd. (8550) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥99.76B
Dividend Yield2.12%
Average Volume (3M)703.38K
Price to Earnings (P/E)7.0
Beta (1Y)1.45
Revenue Growth10.91%
EPS Growth-1225.48%
CountryJP
Employees1,544
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
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
Tochigi Bank generates revenue primarily through interest income from loans and advances provided to both individual and corporate clients. The bank charges interest on various types of loans, including personal loans, mortgages, and business loan...
Tochigi Bank, Ltd. Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
60
Neutral
Cash Flow
50
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.35B | 40.31B | 41.04B | 41.33B | 37.76B | 36.47B |
| Gross Profit | 1.35B | 37.89B | 40.93B | 41.19B | 37.52B | 36.06B |
| EBITDA | -21.48B | -22.22B | 4.43B | 5.29B | 5.67B | 5.49B |
| Net Income | -21.65B | -22.33B | 2.10B | 2.65B | 3.63B | 2.08B |
Balance Sheet | ||||||
| Total Assets | 3.58T | 3.33T | 3.31T | 3.28T | 3.52T | 3.26T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 699.67B | 585.71B | 572.44B | 895.52B | 658.86B |
| Total Debt | 229.30B | 33.36B | 34.13B | 41.75B | 313.80B | 132.73B |
| Total Liabilities | 3.42T | 3.18T | 3.16T | 3.12T | 3.35T | 3.09T |
| Stockholders Equity | 154.12B | 151.49B | 150.20B | 153.41B | 161.29B | 167.16B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | -1.36B | -292.20B | 278.43B | 316.46B |
| Operating Cash Flow | 0.00 | 0.00 | 1.10B | -290.89B | 279.58B | 317.90B |
| Investing Cash Flow | 0.00 | 217.17B | -35.63B | -32.44B | -42.96B | -43.85B |
| Financing Cash Flow | 0.00 | 5.82B | 51.05B | -904.00M | -545.00M | -1.68B |
Tochigi Bank, Ltd. Technical Analysis
Positive
793.00
Price Trends
921.80
Positive
819.65
Positive
636.01
Positive
Market Momentum
9.51
Negative
55.82
Neutral
82.87
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8550, the sentiment is Positive. The current price of 793 is below the 20-day moving average (MA) of 901.17, below the 50-day MA of 921.80, and above the 200-day MA of 636.01, indicating a bullish trend. The MACD of 9.51 indicates Negative momentum. The RSI at 55.82 is Neutral, neither overbought nor oversold. The STOCH value of 82.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥867.01B | 9.65 | 8.19% | 3.14% | 15.77% | 27.55% | |
75 Outperform | ¥102.02B | 1.54 | ― | 3.05% | 8.75% | -12.68% | |
69 Neutral | ¥100.70B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥1.17T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
60 Neutral | ¥95.73B | 7.75 | ― | 3.35% | 15.96% | 81.27% | |
52 Neutral | ¥99.76B | 6.95 | ― | 2.12% | 10.91% | -1225.48% |
* Financial Sector Average
JP:8550
Tochigi Bank, Ltd.
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281.23%
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Tochigi Bank, Ltd. Corporate Events
Tochigi Bank Outlines Nine-Month Financial Performance to December 2025
Jan 30, 2026
Tochigi Bank has released an outline of its financial results for the nine months ended December 31, 2025, signaling a comprehensive disclosure of its operating performance and balance-sheet trends. The presentation covers consolidated and non-con...
Tochigi Bank Posts Profit Surge and Plans Higher Dividends for FY2025
Jan 30, 2026
The Tochigi Bank reported strong consolidated results for the nine months ended 31 December 2025, with ordinary income rising 13.9% year on year to ¥39.0 billion, ordinary profit surging 58.9% to ¥8.3 billion and profit attributable to o...
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.