First Bank of Toyama Ltd. (7184) AI Stock Analysis

• Market Cap: ¥65.41B
• Dividend Yield: 3.31%
• Average Volume (3M): 251.16K
• Price to Earnings (P/E): 5.0
• Beta (1Y): 1.16
• Revenue Growth: -4.65%
• EPS Growth: 140.59%
• Country: JP
• Employees: 611
• Sector: Financial
• Sector Strength: 88
• Industry: Banks - Regional
• EPS (TTM): 206.45
• Shares Outstanding: 64,309,700
• 10 Day Avg. Volume: 162,970
• 30 Day Avg. Volume: 251,159
• PEG Ratio: 0.04
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

First Bank of Toyama Ltd. holds a solid overall stock score of 66, driven by strong financial performance, especially in profitability and operational efficiency. While the valuation is appealing with a low P/E ratio and decent dividend yield, technical indicators suggest caution due to a potential downward trend. The lack of earnings call and corporate events data slightly limits the analysis.

First Bank of Toyama Ltd. Business Overview & Revenue Model

Company Description

First Bank of Toyama Ltd. (7184) is a regional bank in Japan that provides a wide range of financial services primarily in the Toyama prefecture. The bank offers personal and corporate banking services including deposits, loans, and investment advisory. It serves individual customers, small and medium enterprises, and larger corporations with a focus on delivering community-oriented banking solutions.

How the Company Makes Money

First Bank of Toyama Ltd. generates revenue through various financial services and products. The primary sources of income include interest from loans and advances to customers, which forms the core of its traditional banking activities. The bank also earns from fees and commissions charged for services like account maintenance, transaction processing, and advisory services. Additionally, it gains income from investments in securities and financial markets. The bank's strategy often involves building strong local relationships and partnerships with businesses and individuals to support regional economic growth, which in turn contributes to its financial stability and profitability.

First Bank of Toyama Ltd. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
34.48B	34.11B	27.17B	28.12B	30.60B
	Gross Profit
34.48B	34.11B	27.17B	28.12B	30.60B
	EBIT
22.14B	4.93B	3.66B	2.22B	2.09B
	EBITDA
0.00	7.05B	5.93B	4.58B	4.40B
	Net Income Common Stockholders
5.28B	4.20B	3.49B	2.29B	2.23B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
68.64B	74.90B	55.07B	75.00B	67.96B
	Total Assets
1.58T	1.49T	1.47T	1.43T	1.39T
	Total Debt
53.18B	23.96B	63.41B	61.65B	50.71B
	Net Debt
-15.46B	-50.94B	8.35B	-13.35B	-17.25B
	Total Liabilities
1.42T	23.96B	1.35T	1.31T	1.29T
	Stockholders Equity
148.68B	115.12B	114.07B	111.63B	90.88B
Cash Flow		Free Cash Flow
3.50B	-24.09B	-4.79B	-21.54B	77.68B
	Operating Cash Flow
4.50B	-23.70B	-4.27B	-21.10B	79.05B
	Investing Cash Flow
-12.51B	46.04B	-14.57B	29.63B	-61.98B
	Financing Cash Flow
14.12B	-1.98B	-800.00M	-826.00M	-1.07B

First Bank of Toyama Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1057.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7184, the sentiment is Positive. The current price of 1057 is above the 20-day moving average (MA) of 1050.55, above the 50-day MA of 1031.90, and below the 200-day MA of 1085.99, indicating a neutral trend. The MACD of 12.31 indicates Negative momentum. The RSI at 53.93 is Neutral, neither overbought nor oversold. The STOCH value of 75.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7184.

First Bank of Toyama Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	¥862.50B	12.91	5.72%	3.12%	9.55%	9.39%
8377	71 Outperform	¥298.95B	9.29		2.02%	21.04%	20.47%
8354	70 Outperform	$698.06B	11.49	6.00%	3.40%	15.35%	-1.62%
7184	66 Neutral	¥65.41B	4.98		3.31%	-4.65%	140.59%
Sector *	64 Neutral	$12.64B	9.74	8.05%	17044.60%	12.66%	-4.62%
8344	52 Neutral	¥37.57B	11.55		3.68%	-16.07%	43.79%

First Bank of Toyama Ltd. Corporate Events

First Bank of Toyama Announces Share Buyback

The First Bank of Toyama, Ltd. announced the acquisition of 263,900 of its own shares between April 1 and April 30, 2025, at a total cost of ¥276,602,100 through market purchases. This acquisition is part of a broader plan approved by the Board of Directors to acquire up to 1,200,000 shares by September 30, 2025, indicating a strategic move to manage its share capital and potentially enhance shareholder value.

First Bank of Toyama Revises Shareholder Return Policy

The First Bank of Toyama, Ltd. announced changes to its shareholder return policy, aiming to increase dividends per share by achieving a payout ratio of at least 35% to profit attributable to owners of the parent. This revision aligns with their long-term vision to enhance stakeholder satisfaction and optimize capital levels for growth investments.

First Bank of Toyama Reports Strong Financial Growth for 2024

First Bank of Toyama Ltd. reported significant financial growth for the nine months ending December 31, 2024, with a 41.9% increase in ordinary income and a 138.7% rise in profit attributable to owners of the parent compared to the previous year. This substantial growth in financial performance highlights the bank’s strengthened position in the market, indicating potential positive implications for shareholders and stakeholders.