Tohoku Bank, Ltd. AI Stock Analysis
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Tohoku Bank, Ltd. (8349) AI Stock Analysis
Tohoku Bank, Ltd.
(TSE/TYO:8349)
The overall score of 71 reflects Tohoku Bank's improving financial performance, with strong revenue and earnings growth, and solid cash generation. However, balance sheet concerns and moderate technical indicators temper the outlook. Attractive valuation provides support. The bank is on a positive trajectory but remains sensitive to economic conditions.
Tohoku Bank, Ltd. (8349) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 13.28B
- Dividend Yield
- 3.56%
- Average Volume (3M)
- 26.73K
- Price to Earnings (P/E)
- 6.8
- Beta (1Y)
- 0.72
- Revenue Growth
- 16.34%
- EPS Growth
- 21.72%
- Country
- Japan
- Employees
- 560
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Tohoku Bank, Ltd. Business Overview & Revenue Model
Company Description
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 wit...
How the Company Makes Money
Tohoku Bank generates earnings mainly through traditional banking activities. A primary revenue stream is net interest income: the bank pays interest on customer deposits and other funding sources, and earns interest on interest-bearing assets such a...
Tohoku Bank, Ltd. Financial Statement Overview
Summary
Income statement shows robust growth (score 78), cash flow is solid (68), but balance sheet has moderate leverage and thin capital (55). This results in a moderate overall financial score.
Income Statement
78PositiveBalance Sheet
55NeutralCash Flow
68Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.43B | 17.61B | 14.23B | 13.98B | 12.72B | 13.05B |
| Gross Profit | 14.38B | 14.17B | 13.62B | 13.95B | 12.69B | 13.02B |
| EBITDA | 2.56B | 2.98B | 2.10B | 2.43B | 2.59B | 2.40B |
| Net Income | 1.69B | 1.69B | 1.07B | 1.38B | 1.53B | 1.34B |
Balance Sheet | ||||||
| Total Assets | 1.02T | 1.02T | 1.01T | 1.01T | 968.13B | 1.03T |
| Cash, Cash Equivalents and Short-Term Investments | 76.54B | 76.54B | 63.41B | 84.02B | 43.69B | 167.68B |
| Total Debt | 59.57B | 59.57B | 79.20B | 34.44B | 8.86B | 157.91B |
| Total Liabilities | 990.93B | 990.93B | 974.24B | 973.26B | 929.39B | 987.05B |
| Stockholders Equity | 33.50B | 33.50B | 35.38B | 39.44B | 38.74B | 39.92B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 26.65B | 25.75B | 24.84B | -111.45B | 10.89B |
| Operating Cash Flow | 0 | 27.10B | 26.16B | 25.61B | -110.90B | 11.06B |
| Investing Cash Flow | 0 | -16.93B | -30.36B | -2.09B | -11.28B | -916.00M |
| Financing Cash Flow | 0 | -5.21B | -534.00M | 20.40B | -475.00M | -474.00M |
Tohoku 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:8349, the sentiment is Negative. The current price of 1404.00 is below the 20-day moving average (MA) of 1437.35, below the 50-day MA of 1549.86, and below the 200-day MA of 1479.13, indicating a bearish trend. The MACD of -43.19 indicates Negative momentum. The RSI at 41.00 is Neutral, neither overbought nor oversold. The STOCH value of 54.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8349.
Tohoku Bank, Ltd. Peers Comparison
Overall Rating
JP:856379Outperform
JP:834675Outperform- JP:834971Outperform
JP:856266Neutral
JP:834363Neutral
JP:834452Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8563 | 79Outperform | JPY 14.07B | 8.27 | ― | 3.62% | 19.40% | 36.61% |
| JP:8346 | 75Outperform | JPY 231.89B | 15.66 | ― | 2.50% | 63.98% | 60.28% |
| JP:8349 | 71Outperform | JPY 13.29B | 6.83 | ― | 3.56% | 16.34% | 21.72% |
| JP:8562 | 66Neutral | JPY 11.68B | 10.91 | ― | 1.50% | 20.73% | ― |
| JP:8343 | 63Neutral | JPY 131.07B | 14.17 | ― | 14.18% | 31.51% | 25.98% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8344 | 52Neutral | JPY 130.98B | 17.60 | ― | 2.62% | 20.34% | 72.11% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8349 | Tohoku Bank, Ltd. | 1404.00 | 117.34 | 9.12% | |
| JP:8343 | Akita Bank, Ltd. | 1410.00 | 691.39 | 96.21% | |
| JP:8344 | Yamagata Bank, Ltd. | 4270.00 | 2599.14 | 155.56% | |
| JP:8346 | Toho Bank, Ltd. | 919.00 | 455.48 | 98.27% | |
| JP:8562 | Fukushima Bank, Ltd. | 334.00 | 104.17 | 45.32% | |
| JP:8563 | Daito Bank, Ltd. | 1106.00 | 349.38 | 46.18% |
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