Tsukuba Bank, Ltd. AI Stock Analysis
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Tsukuba Bank, Ltd. (8338) AI Stock Analysis
Tsukuba Bank, Ltd.
(TSE/TYO:8338)
The stock scores 75, reflecting solid financial performance with improving profitability and a robust balance sheet, coupled with strong technical momentum. The valuation is reasonable, though the low dividend yield slightly tempers attractiveness. Investors should monitor cash flow sustainability and potential overbought conditions.
Tsukuba Bank, Ltd. (8338) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 55.46B
- Dividend Yield
- 0.74%
- Average Volume (3M)
- 1.85M
- Price to Earnings (P/E)
- 7.1
- Beta (1Y)
- 1.89
- Revenue Growth
- 19.41%
- EPS Growth
- 31.79%
- Country
- Japan
- Employees
- 1,260
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 weal...
How the Company Makes Money
Tsukuba Bank makes money mainly through (1) net interest income and (2) fee and commission income, with additional contributions from trading/financial operations and other non-interest items. Net interest income is generated by taking in customer de...
Tsukuba Bank, Ltd. Financial Statement Overview
Summary
Income statement shows strong revenue and profit growth, balance sheet is solid with low leverage, but cash flow has been volatile though improved recently. Overall financial health is good.
Income Statement
78PositiveBalance Sheet
82Very PositiveCash Flow
65Positive| 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 | 18.60B | -9.17B | 0 | -263.47B | 218.45B |
| Operating Cash Flow | 0 | 19.15B | -8.80B | 0 | -261.93B | 220.00B |
| Investing Cash Flow | 0 | -94.59B | -86.31B | 18.44B | 59.37B | -34.66B |
| Financing Cash Flow | 0 | -69.08B | 39.01B | -464.00M | -431.00M | -424.00M |
Tsukuba Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8338, the sentiment is Neutral. The current price of 664.00 is above the 20-day moving average (MA) of 649.50, below the 50-day MA of 721.38, and above the 200-day MA of 648.72, indicating a neutral trend. The MACD of -34.40 indicates Negative momentum. The RSI at 51.19 is Neutral, neither overbought nor oversold. The STOCH value of 55.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8338.
Tsukuba Bank, Ltd. Peers Comparison
Overall Rating
JP:855079Outperform- JP:833875.1Outperform
JP:855169Neutral
JP:854162Neutral
JP:833756Neutral
JP:855848Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8550 | 79Outperform | JPY 87.33B | 10.28 | ― | 3.34% | 24.87% | ― |
| JP:8338 | 75Outperform | JPY 50.26B | 7.05 | ― | 0.74% | 19.41% | 31.79% |
| JP:8551 | 69Neutral | JPY 55.94B | 11.43 | ― | 8.26% | 17.34% | 27.36% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8541 | 62Neutral | JPY 127.96B | 13.24 | ― | 1.69% | 10.04% | 57.66% |
| JP:8337 | 56Neutral | JPY 152.37B | 19.19 | ― | 0.38% | 21.31% | 18.00% |
| JP:8558 | 48Neutral | JPY 44.81B | -1.94 | ― | 2.67% | 25.34% | -481.28% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8338 | Tsukuba Bank, Ltd. | 664.00 | 316.87 | 91.29% | |
| JP:8337 | Chiba Kogyo Bank, Ltd. | 2538.00 | 1021.55 | 67.36% | |
| JP:8541 | Ehime Bank, Ltd. | 3275.00 | 2048.34 | 166.98% | |
| JP:8550 | Tochigi Bank, Ltd. | 858.00 | 256.16 | 42.56% | |
| JP:8551 | Kita-Nippon Bank, Ltd. | 2214.00 | 887.07 | 66.85% | |
| JP:8558 | Towa Bank, Ltd. | 1310.00 | 409.51 | 45.48% |
Tsukuba Bank, Ltd. Corporate Events
Tsukuba Bank Revises Fiscal Year Ending March 2027 Forecasts Upward
Tsukuba Bank, Ltd. is a bank listed on the Tokyo Stock Exchange Prime Market under securities code 8338. It announced upward revisions to its consolidated and non-consolidated financial results forecasts for the fiscal year ending March 31, 2027, rai...
Tsukuba Bank Reports Six-Month Results Through September 30, 2026
For the six months ended September 30, 2026, Tsukuba Bank reported ordinary income of ¥30,277 million, up 26.4% year over year, while ordinary profit fell 8.2% to ¥3,788 million. Profit attributable to owners of the parent rose 30.8% to ¥4,958 millio...
Tsukuba Bank Flags ¥3.3 Billion Unrealized Bond Losses, Keeps Forecasts Intact
Tsukuba Bank has disclosed unrealized losses of ¥3,346 million on its held-to-maturity bond portfolio as of the end of the second quarter of the fiscal year ending March 31, 2027. The losses represent 44.8% of consolidated ordinary profit and 50.1% o...
Tsukuba Bank Lifts Half-Year Profit Outlook Despite Lower Ordinary Earnings
Tsukuba Bank has revised its six-month earnings forecast for the period ended September 30, 2026, mixing lower expected ordinary profit with significantly higher net income. The bank now anticipates consolidated ordinary profit of ¥3.7 billion, down...
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.
Date of analysis: Aug 17, 2026