Toho Bank, Ltd. AI Stock Analysis
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Toho Bank, Ltd. (8346) AI Stock Analysis
Toho Bank, Ltd.
(TSE/TYO:8346)
The score is mainly supported by strong technical momentum and an improving earnings profile with sharp revenue and net income growth in 2026. Offsetting factors are inconsistent cash-flow history and only moderate balance-sheet/return metrics, while valuation looks average with a modest dividend yield.
Toho Bank, Ltd. (8346) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 232.40B
- Dividend Yield
- 2.45%
- Average Volume (3M)
- 1.03M
- Price to Earnings (P/E)
- 16.3
- Beta (1Y)
- 1.36
- Revenue Growth
- 63.98%
- EPS Growth
- 60.28%
- Country
- Japan
- Employees
- 2,037
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Toho Bank, Ltd. Business Overview & Revenue Model
Company Description
The Toho Bank, Ltd. functions as a financial institution providing a broad spectrum of banking solutions throughout Japan. Its product portfolio encompasses individual and institutional deposit accounts, negotiable certificates of deposit, credit car...
How the Company Makes Money
Toho Bank’s earnings are primarily driven by banking intermediation and fee-based financial services. 1) Net interest income (core profit engine): The bank collects funds mainly through customer deposits and other funding sources, then extends these...
Toho Bank, Ltd. Financial Statement Overview
Summary
Strong earnings recovery and accelerating revenue growth into 2026 support the score, but it is held back by low-to-moderate ROE, prior periods of higher leverage, and notably volatile operating/free cash flow history despite the very strong 2025–2026 cash generation.
Income Statement
78PositiveBalance Sheet
64PositiveCash Flow
45Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.20B | 91.52B | 68.53B | 57.39B | 56.07B | 58.14B |
| Gross Profit | 40.84B | 74.09B | 62.44B | 55.38B | 53.53B | 55.67B |
| EBITDA | 19.59B | 21.54B | 15.06B | 10.95B | 9.52B | 12.01B |
| Net Income | 14.14B | 12.35B | 7.45B | 5.25B | 4.49B | 6.75B |
Balance Sheet | ||||||
| Total Assets | 6.87T | 6.74T | 6.65T | 6.76T | 6.61T | 7.14T |
| Cash, Cash Equivalents and Short-Term Investments | 999.63B | 952.16B | 1.24T | 1.80T | 1.99T | 2.80T |
| Total Debt | 243.38B | 243.53B | 222.05B | 198.94B | 182.47B | 690.05B |
| Total Liabilities | 6.65T | 6.52T | 6.46T | 6.55T | 6.42T | 6.94T |
| Stockholders Equity | 225.81B | 217.75B | 197.23B | 206.18B | 191.01B | 192.74B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 69.17B | 24.24B | 1.75B | -768.00B | 0 |
| Operating Cash Flow | 0 | 71.69B | 27.62B | 6.71B | -759.85B | 0 |
| Investing Cash Flow | 0 | -386.45B | -350.27B | -302.83B | -49.66B | -44.37B |
| Financing Cash Flow | 0 | 24.88B | -143.11B | -1.73B | -1.90B | 81.65B |
Toho 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:8346, the sentiment is Positive. The current price of 940.00 is below the 20-day moving average (MA) of 954.00, below the 50-day MA of 1002.51, and above the 200-day MA of 802.36, indicating a neutral trend. The MACD of -33.89 indicates Positive momentum. The RSI at 47.04 is Neutral, neither overbought nor oversold. The STOCH value of 54.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8346.
Toho Bank, Ltd. Peers Comparison
Overall Rating
JP:718483Outperform
JP:836074Outperform
JP:839368Neutral- JP:834666Neutral
JP:839266Neutral
JP:732259Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7184 | 83Outperform | JPY 189.14B | 11.04 | ― | 3.03% | 15.97% | 68.21% |
| JP:8360 | 74Outperform | JPY 202.42B | 16.91 | ― | 7.46% | 30.03% | 47.48% |
| JP:8393 | 68Neutral | JPY 205.45B | 14.06 | ― | 2.24% | 9.60% | 33.99% |
| JP:8346 | 66Neutral | JPY 229.12B | 16.29 | ― | 2.45% | 63.98% | 60.28% |
| JP:8392 | 66Neutral | JPY 208.02B | 15.46 | 5.27% | 1.52% | 24.51% | 62.67% |
| JP:7322 | 59Neutral | JPY 185.95B | 16.08 | ― | 2.26% | 23.09% | 35.52% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8346 | Toho Bank, Ltd. | 940.00 | 483.30 | 105.82% | |
| JP:8392 | Oita Bank | 2757.00 | 1702.17 | 161.37% | |
| JP:7184 | First Bank of Toyama Ltd. | 3200.00 | 1664.36 | 108.38% | |
| JP:7322 | San ju San Financial Group, Inc. | 1859.00 | 933.73 | 100.91% | |
| JP:8360 | Yamanashi Chuo Bank, Ltd. | 1286.00 | 611.56 | 90.68% | |
| JP:8393 | Miyazaki Bank Ltd. | 2541.00 | 1528.29 | 150.91% |
Toho Bank, Ltd. Corporate Events
Toho Bank Reports Strong First-Half Earnings Growth
Toho Bank reported consolidated ordinary income of ¥83.943 billion for the six months ended September 30, 2026, up 88.3% year on year, while ordinary profit rose 37.2% to ¥12.530 billion and profit attributable to owners of the parent increased 36.8%...
Toho Bank Hikes Dividend Forecast on Stronger Earnings Outlook
The Toho Bank, Ltd. has revised upward its interim and fiscal year-end dividend forecasts for the year ending March 31, 2027, lifting each payment from ¥10.50 to ¥13.00 per share. This change raises the total annual dividend to ¥26.00 per share, comp...
Toho Bank Boosts Earnings Forecasts on Strong Loan and Securities Income
Toho Bank has sharply revised upward its consolidated earnings forecasts for the fiscal year ending March 31, 2027, reflecting stronger-than-expected performance in its core banking operations. The bank now expects ordinary income of ¥147.2 billion a...
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: Sep 26, 2026