First Bank of Toyama Ltd. stock analysis
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First Bank of Toyama Ltd. (7184) Stock Price & Analysis
7184 Stock Chart & Stats
- Day’s Range
- JPY 3,070.00 - JPY 3,225.00
- 52-Week Range
- JPY 1,505.00 - JPY 3,835.00
- Previous Close
- JPY 3,200.00
- Volume
- N/A
- Average Volume (3M)
- 194.74K
- Market Cap
- JPY 199.42B
- Enterprise Value
- JPY 188.53B
- Total Cash (Recent Filing)
- JPY 59.63B
- Total Debt (Recent Filing)
- JPY 23.59B
- Price to Earnings (P/E)
- 11.5
- Beta
- 1.35
- Next Earnings
- Jan 29, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Mar 30, 2027
- Dividend Yield
- 3.13%
Bulls Say, Bears Say
Bulls Say
Profitability And Revenue Growth
The bank has substantially expanded revenue and profitability over the period, with 2026 revenue growth of 22.2% and a much higher net margin. This indicates stronger earnings capacity and provides a more durable base for capital accumulation and continued investment in banking services.
Conservative Balance Sheet
Lower leverage and materially higher equity strengthen the bank’s resilience and financial flexibility. This capital position can help absorb credit or earnings volatility, support lending capacity, and reduce balance-sheet risk over the next several quarters.
Recent Free Cash Flow
The return to positive operating cash flow, together with positive free cash flow across the latest three years, improves the quality of recent earnings support. Sustained cash generation can reinforce capital strength and provide greater flexibility for dividends, lending, and operations.
Bears Say
Historical Cash-Flow Volatility
Despite recent improvement, the history of negative operating cash flow and sharp year-to-year swings shows that cash generation can be unstable. Such volatility may complicate capital planning and make reported earnings less consistently convertible into financial resources.
Modest Return On Equity
Modest returns on equity indicate that the bank has not consistently generated strong earnings relative to its capital base. If this persists, substantial equity growth may translate into weaker capital efficiency and limit the improvement in shareholder returns.
Uneven Earlier Revenue Trend
The earlier revenue declines show that top-line performance has not been consistently durable across the cycle. Although recent growth is strong, sensitivity to rate and credit conditions could make future revenue and earnings progression less predictable.
First Bank of Toyama Ltd. News
7184 FAQ
What was First Bank of Toyama Ltd.’s price range in the past 12 months?
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When is First Bank of Toyama Ltd.’s upcoming earnings report date?
How were First Bank of Toyama Ltd.’s earnings last quarter?
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Does First Bank of Toyama Ltd. pay dividends?
What is First Bank of Toyama Ltd.’s EPS estimate?
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Which hedge fund is a major shareholder of First Bank of Toyama Ltd.?
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Company Description
First Bank of Toyama Ltd.
The First Bank of Toyama, Ltd. offers a comprehensive range of financial services, catering to individual clients, corporate entities, and business ventures. Its extensive product suite encompasses various deposit instruments, such as general, savings, foreign currency, time, and periodic accounts. The institution also extends numerous credit facilities, including home, vehicle, educational, remodeling, flexible personal, and card loans. Furthermore, customers can engage with investment trusts, government bonds, and brokerage services, alongside a selection of pension and insurance plans, all accessible via its convenient internet banking platform. Founded in 1944, the bank is headquartered in Toyama, Japan, and maintains a network of 66 operational branches.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Mitsuru Nomura
- Employees
- 623
- Website
- www.first-bank.co.jp
- Address
- 5-1, Nishi-cho, Toyama, TM, 930-8630, JP
First Bank of Toyama Ltd. (7184) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 6 | 9 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 4 | 0 | 8 |









