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Tsukuba Bank, Ltd.
(8338)
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Rating:69Neutral
Price Target:
¥827.00
▲(82.96% Upside)
Action:Reiterated
Date:08/17/26
The score is led by strong recent profitability improvement and supportive technical momentum (price above key moving averages with positive MACD). These positives are tempered by materially inconsistent cash flow history and only moderate balance-sheet quality, while valuation is favorable on P/E but less compelling on dividend yield.
Positive Factors
Profitability and Revenue Growth
Strong recent revenue and earnings growth indicates improved operating performance and customer activity. Higher net and operating margins provide a stronger earnings base, although durability will depend on maintaining loan demand and favorable credit conditions.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow reduce confidence in the consistency of cash conversion. Although FY2026 improved sharply, the prior outflows indicate that liquidity generation can vary materially with balance-sheet movements and banking conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability and Revenue Growth
Strong recent revenue and earnings growth indicates improved operating performance and customer activity. Higher net and operating margins provide a stronger earnings base, although durability will depend on maintaining loan demand and favorable credit conditions.
Read all positive factors
Tsukuba Bank, Ltd. (8338) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥59.50B
Dividend Yield0.69%
Average Volume (3M)858.69K
Price to Earnings (P/E)8.6
Beta (1Y)1.69
Revenue Growth19.48%
EPS Growth57.42%
CountryJP
Employees1,260
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)85.02
Shares Outstanding82,553,720
10 Day Avg. Volume901,940
30 Day Avg. Volume858,693
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.44
Price to Sales (P/S)1.09
P/FCF Ratio2.52
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
Tsukuba Bank, Ltd. Business Overview & Revenue Model
Company Description
Tsukuba Bank, Ltd. functions as a financial institution primarily catering to customers in Japan's Ibaraki prefecture. This bank delivers a comprehensive array of services, including various deposit and lending products, insurance offerings, and w...
How the Company Makes Money
Tsukuba Bank, Ltd. makes money primarily through traditional banking activities. Its key revenue stream is net interest income: the bank collects interest and fees from loans (e.g., business lending, consumer lending, and mortgage lending) and int...
Tsukuba Bank, Ltd. Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
60
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.26B | 43.03B | 35.66B | 36.26B | 32.79B | 32.46B |
| Gross Profit | 16.11B | 37.07B | 33.80B | 35.49B | 31.97B | 32.00B |
| EBITDA | 7.16B | 8.93B | 6.61B | 4.63B | 4.09B | 6.74B |
| Net Income | 7.01B | 6.67B | 4.10B | 2.19B | 2.10B | 4.23B |
Balance Sheet | ||||||
| Total Assets | 2.95T | 2.84T | 2.89T | 2.85T | 2.77T | 2.96T |
| Cash, Cash Equivalents and Short-Term Investments | 224.44B | 164.61B | 307.35B | 351.61B | 334.87B | 524.84B |
| Total Debt | 155.10B | 166.30B | 143.30B | 138.30B | 128.30B | 369.00B |
| Total Liabilities | 2.84T | 2.73T | 2.80T | 2.76T | 2.68T | 2.86T |
| Stockholders Equity | 111.17B | 105.85B | 91.75B | 97.14B | 91.02B | 104.10B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 18.60B | -9.17B | 0.00 | -263.47B | 218.45B |
| Operating Cash Flow | 0.00 | 19.15B | -8.80B | 0.00 | -261.93B | 220.00B |
| Investing Cash Flow | 0.00 | -94.59B | -86.31B | 18.44B | 59.37B | -34.66B |
| Financing Cash Flow | 0.00 | -69.08B | 39.01B | -464.00M | -431.00M | -424.00M |
Tsukuba Bank, Ltd. Technical Analysis
Positive
452.00
Price Trends
659.30
Positive
637.93
Positive
564.30
Positive
Market Momentum
18.30
Positive
56.48
Neutral
22.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8338, the sentiment is Positive. The current price of 452 is below the 20-day moving average (MA) of 687.60, below the 50-day MA of 659.30, and below the 200-day MA of 564.30, indicating a bullish trend. The MACD of 18.30 indicates Positive momentum. The RSI at 56.48 is Neutral, neither overbought nor oversold. The STOCH value of 22.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8338.
Tsukuba Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥61.15B | 12.76 | ― | 3.28% | 17.34% | 27.36% | |
70 Outperform | ¥119.95B | 16.81 | ― | 2.34% | 7.73% | 24.05% | |
69 Neutral | ¥59.50B | 8.55 | ― | 1.20% | 19.48% | 57.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥163.81B | 20.12 | ― | 0.58% | 27.90% | 3.75% | |
61 Neutral | ¥109.99B | 12.76 | ― | 2.12% | 26.39% | ― | |
44 Neutral | ¥51.84B | -1.77 | ― | 2.87% | 25.84% | -628.29% |
* Financial Sector Average
JP:8338
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Tsukuba Bank, Ltd. Corporate Events
Tsukuba Bank Posts Double-Digit Profit Growth and Confirms FY2027 Outlook
Aug 6, 2026
Tsukuba Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income rising 29.7% year on year to ¥14.99 billion and ordinary profit up 25.2% to ¥2.51 billion. Profit attributable to owners of ...
Tsukuba Bank Discloses ¥2.4 Billion Unrealized Bond Losses With No Change to Forecasts
Jul 30, 2026
Tsukuba Bank has reported unrealized losses of ¥2,402 million on its held-to-maturity bond portfolio as of the end of the first quarter for the fiscal year ending March 31, 2027. These losses represent 32.2% of the bank’s consolidated o...
Tsukuba Bank to Book Extraordinary Income From Retirement Trust Asset Return
Jul 30, 2026
Tsukuba Bank, Ltd., a regional Japanese commercial bank listed on the Tokyo Stock Exchange Prime Market, offers deposit, lending, and other financial services to households and businesses while managing employee retirement benefit obligations. Its...
Tsukuba Bank Finalizes Restricted Stock Remuneration for Directors
Jul 21, 2026
Tsukuba Bank has completed payment for the disposal of 27,303 shares of its common stock, issued as restricted stock remuneration to six directors, at a price of 633 yen per share for a total of 17,282,799 yen. The move formalizes a share-based co...
Tsukuba Bank Allocates Treasury Shares as Restricted Stock to Directors
Jun 24, 2026
Tsukuba Bank has approved the disposal of 27,303 treasury shares as restricted stock remuneration to six internal directors, valued at 633 yen per share for a total of 17.28 million yen. The shares, allocated under an existing restricted stock pla...
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.