Tohoku Bank, Ltd. (JP:8349)

:8349

8349

Tohoku Bank, Ltd.

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Tohoku Bank, Ltd. (8349) Price & Analysis

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8349 Stock Chart & Stats

¥1493.00

-¥5.00(-0.43%)

At close: Jan 08 4:00 PM EST

¥1493.00

-¥5.00(-0.43%)

Day’s Range― - ―

52-Week Range¥1,075.00 - ¥1,703.00

Previous CloseN/A

Volume12.70K

Average Volume (3M)23.40K

Market Cap

¥13.29B

Enterprise Value-¥3.78B

Total Cash (Recent Filing)¥83.06B

Total Debt (Recent Filing)¥107.38B

Price to Earnings (P/E)7.8

Beta0.61

Next Earnings

Aug 05, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.58%

Share Statistics

EPS (TTM)121.93

Shares Outstanding9,509,963

10 Day Avg. Volume24,640

30 Day Avg. Volume23,396

Financial Highlights & Ratios

PEG Ratio0.13

Price to Book (P/B)0.40

Price to Sales (P/S)0.76

P/FCF Ratio0.50

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

Revenue AccelerationConsistent revenue acceleration (latest annual +30.6% YoY; fundamentals show RevenueGrowth ~18.9%) indicates the bank is regaining top-line momentum across core lending and fee lines. Sustained revenue growth supports stable interest income and fee diversification over the medium term, underpinning capacity to rebuild reserves and reinvest in customer channels.

Improved Cash GenerationOperating and free cash flow turned strongly positive (~¥27.1B OCF, ~¥26.7B FCF) in the latest year, improving the bank's liquidity and internal funding for lending and capital needs. Durable cash generation reduces reliance on volatile wholesale funding and supports medium-term capital allocation, dividends, and reserve rebuilding if maintained.

Solid Profitability MarginsNet margin near ~9.6% and steady operating margins suggest core earnings quality in traditional banking operations. Persistent margins provide a buffer against provision volatility and enable consistent contribution to capital and dividends, supporting long-term franchise stability and investments in branch/service capabilities.

Bears Say

Elevated And Rising LeverageThe balance sheet shows elevated leverage (debt-to-equity ~1.78) with a marked increase since 2023, raising the bank's sensitivity to credit or market shocks. Higher leverage limits capital flexibility, elevates funding and regulatory risk, and reduces the capacity to absorb loan losses without curtailing growth or raising capital.

Volatile Cash Flows HistoryHistorical OCF/FCF volatility, including a very large negative year in 2023, implies uneven earnings realization and material working-capital swings. Such inconsistency complicates planning, increases reserve and liquidity management risk, and undermines confidence in recurring internal funding for lending and capital needs.

Earnings Not Keeping Pace With RevenueAlthough revenue surged, net income declined versus the prior year and margins have been volatile (7.5%–12%), suggesting mix shifts, higher costs, or provisioning pressures. This divergence raises questions about the sustainability of revenue-driven earnings growth and the quality of recent top-line gains.

8349 FAQ

What was Tohoku Bank, Ltd.’s price range in the past 12 months?

Tohoku Bank, Ltd. lowest stock price was ¥1075.00 and its highest was ¥1703.00 in the past 12 months.

What is Tohoku Bank, Ltd.’s market cap?

Tohoku Bank, Ltd.’s market cap is ¥13.29B.

When is Tohoku Bank, Ltd.’s upcoming earnings report date?

Tohoku Bank, Ltd.’s upcoming earnings report date is Aug 05, 2026 which is in 42 days.

How were Tohoku Bank, Ltd.’s earnings last quarter?

Tohoku Bank, Ltd. released its earnings results on May 12, 2026. The company reported ¥14.79 earnings per share for the quarter, beating the consensus estimate of N/A by ¥14.79.

Is Tohoku Bank, Ltd. overvalued?

According to Wall Street analysts Tohoku Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Tohoku Bank, Ltd. pay dividends?

Tohoku Bank, Ltd. pays a Semiannually dividend of ¥25 which represents an annual dividend yield of 3.58%. See more information on Tohoku Bank, Ltd. dividends here

What is Tohoku Bank, Ltd.’s EPS estimate?

Tohoku Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Tohoku Bank, Ltd. have?

Tohoku Bank, Ltd. has 9,509,963 shares outstanding.

What happened to Tohoku Bank, Ltd.’s price movement after its last earnings report?

Tohoku Bank, Ltd. reported an EPS of ¥14.79 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.052%.

Which hedge fund is a major shareholder of Tohoku Bank, Ltd.?

Currently, no hedge funds are holding shares in JP:8349

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

Tohoku Bank, Ltd.

Operating in Japan, The Tohoku Bank, Ltd. delivers a comprehensive suite of banking and financial services to both individual and corporate clients. Its offerings include various deposit accounts such as savings, general, and time deposits, along with investment products like investment trusts and government bonds. The bank also facilitates convenient transactions through debit and credit cards, payment collection services, and modern internet and mobile banking platforms. Customers can access a broad range of loan options, including those for housing, automobiles, education, remodeling, travel, and bridal expenses, in addition to specialized financing for mortgages, reconstruction support, medical/long-term care, and agriculture. Furthermore, the company provides diverse insurance policies, encompassing medical, cancer, personal annuity, whole life, term, and income security coverage, as well as pension services. Founded in 1950, The Tohoku Bank, Ltd. is headquartered in Morioka, Japan, and as of March 31, 2020, maintained a network of 55 stores and two branch offices.