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Tohoku Bank, Ltd. (8349) Stock Price & Analysis
8349 Stock Chart & Stats
- Day’s Range
- JPY 1,398.00 - JPY 1,437.00
- 52-Week Range
- JPY 1,290.00 - JPY 1,723.00
- Previous Close
- JPY 1,453.00
- Volume
- N/A
- Average Volume (3M)
- 21.49K
- Market Cap
- JPY 13.78B
- Enterprise Value
- -JPY 9.68B
- Total Cash (Recent Filing)
- JPY 76.54B
- Total Debt (Recent Filing)
- JPY 59.57B
- Price to Earnings (P/E)
- 7.7
- Beta
- 0.67
- Next Earnings
- Nov 13, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Mar 30, 2027
- Dividend Yield
- 3.57%
Bulls Say, Bears Say
Bulls Say
Revenue And Profitability
The latest annual period shows stronger top-line momentum while the core banking operation remains profitable. Sustained revenue growth and steady operating margins can support earnings over the next several months, although earnings conversion still requires monitoring.
Recent Cash Generation
Positive operating and free cash flow provide internal support for lending activity, investment and shareholder commitments. The latest improvement strengthens near-term financial flexibility, even though the bank’s longer history shows that cash generation has not been consistently stable.
Regional Banking Franchise
A broad regional customer base across households, businesses and local governments supports recurring deposits, lending relationships and payment activity. This relationship-driven model can provide durable local market presence and diversified sources of banking and fee income.
Bears Say
Elevated Leverage
The rising leverage profile reduces balance-sheet resilience and increases sensitivity to credit losses, market movements and funding pressure. Stable absolute equity does not fully offset the added risk, making capital strength a continuing constraint on the franchise.
Cash-Flow Volatility
Although the latest period produced positive cash flow, the historical swings make underlying cash generation less predictable. Continued volatility can complicate capital planning and reduce confidence that reported profitability will consistently translate into deployable funds.
Earnings Conversion Risk
Revenue growth has not translated proportionately into net income, while margins have fluctuated across recent years. This suggests mix changes, higher costs or non-recurring effects may be affecting profitability, limiting confidence in the durability of earnings growth.
8349 FAQ
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Company Description
Tohoku Bank, Ltd.
Operating in Japan, The Tohoku Bank, Ltd. delivers a comprehensive suite of banking and financial services to both individual and corporate clients. Its offerings include various deposit accounts such as savings, general, and time deposits, along with investment products like investment trusts and government bonds. The bank also facilitates convenient transactions through debit and credit cards, payment collection services, and modern internet and mobile banking platforms. Customers can access a broad range of loan options, including those for housing, automobiles, education, remodeling, travel, and bridal expenses, in addition to specialized financing for mortgages, reconstruction support, medical/long-term care, and agriculture. Furthermore, the company provides diverse insurance policies, encompassing medical, cancer, personal annuity, whole life, term, and income security coverage, as well as pension services. Founded in 1950, The Tohoku Bank, Ltd. is headquartered in Morioka, Japan, and as of March 31, 2020, maintained a network of 55 stores and two branch offices.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Takeshi Sato
- Employees
- 560
- Website
- www.tohoku-bank.co.jp
- Address
- 3-1 Maru, Morioka, IW, 020-0023, JP
Tohoku Bank, Ltd. (8349) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
