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Bank of Toyama Ltd.
(8365)
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Rating:69Neutral
Price Target:
¥2,650.00
▲(29.58% Upside)
Action:Reiterated
Date:08/17/26
Overall score is anchored by mixed fundamentals: improving profitability and a stronger balance sheet are meaningfully offset by highly volatile and recently negative operating/free cash flow. Technicals provide a supportive tailwind with an uptrend and positive momentum, while valuation is reasonable with a moderate dividend yield.
Positive Factors
Profitability Recovery
The recovery in net income and operating margin indicates improved earnings capacity versus the 2022 low point. If maintained, stronger core profitability can support capital formation and resilience over the next several quarters.
Negative Factors
Volatile Cash Generation
Repeatedly weak or negative operating and free cash flow reduces confidence in earnings quality and financial flexibility. Persistent volatility could constrain discretionary investment, capital deployment, and the ability to absorb unexpected funding needs.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The recovery in net income and operating margin indicates improved earnings capacity versus the 2022 low point. If maintained, stronger core profitability can support capital formation and resilience over the next several quarters.
Read all positive factors
Bank of Toyama Ltd. (8365) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥12.72B
Dividend Yield2.34%
Average Volume (3M)12.60K
Price to Earnings (P/E)12.3
Beta (1Y)0.72
Revenue Growth24.30%
EPS Growth-0.84%
CountryJP
Employees325
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)190.82
Shares Outstanding5,444,400
10 Day Avg. Volume15,140
30 Day Avg. Volume12,600
Financial Highlights & Ratios
PEG Ratio1.06
Price to Book (P/B)0.38
Price to Sales (P/S)0.89
P/FCF Ratio-24.65
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
Bank of Toyama Ltd. Business Overview & Revenue Model
Company Description
The Bank of Toyama, Ltd. is a Japanese financial services provider catering to both individual and business clientele throughout the country. It offers a comprehensive suite of banking products, encompassing various deposit options such as ordinar...
How the Company Makes Money
The Bank of Toyama makes money primarily through (1) net interest income, (2) fee and commission income, and (3) other income such as gains/losses from securities and foreign exchange-related activities.
1) Net interest income (core earnings driv...
Bank of Toyama Ltd. Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
74
Positive
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.50B | 13.32B | 9.28B | 9.74B | 10.43B | 8.05B |
| Gross Profit | 11.28B | 12.24B | 8.95B | 9.72B | 10.40B | 8.01B |
| EBITDA | 3.38B | 2.14B | 1.79B | 1.26B | 2.01B | 809.00M |
| Net Income | 1.02B | 1.05B | 954.00M | 632.00M | 972.00M | 333.00M |
Balance Sheet | ||||||
| Total Assets | 568.93B | 560.66B | 548.42B | 552.20B | 551.29B | 569.87B |
| Cash, Cash Equivalents and Short-Term Investments | 40.66B | 31.81B | 30.67B | 33.31B | 30.16B | 36.79B |
| Total Debt | 10.86B | 10.77B | 11.56B | 18.27B | 18.73B | 35.23B |
| Total Liabilities | 536.71B | 528.69B | 519.07B | 520.89B | 521.04B | 537.55B |
| Stockholders Equity | 31.72B | 31.03B | 28.45B | 30.43B | 29.40B | 31.48B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -479.00M | 0.00 | -2.16B | -19.88B | 11.13B |
| Operating Cash Flow | 0.00 | -170.00M | 0.00 | 2.64B | -19.22B | 11.28B |
| Investing Cash Flow | 0.00 | -9.81B | 1.87B | 972.00M | 13.79B | -13.30B |
| Financing Cash Flow | 0.00 | 9.53B | 2.92B | -272.00M | -272.00M | -341.00M |
Bank of Toyama Ltd. Technical Analysis
Positive
2045.00
Price Trends
2292.16
Positive
2233.09
Positive
2148.41
Positive
Market Momentum
9.92
Positive
50.33
Neutral
21.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8365, the sentiment is Positive. The current price of 2045 is below the 20-day moving average (MA) of 2338.80, below the 50-day MA of 2292.16, and below the 200-day MA of 2148.41, indicating a bullish trend. The MACD of 9.92 indicates Positive momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 21.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8365.
Bank of Toyama Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥14.42B | 8.61 | ― | 3.74% | 18.72% | 19.57% | |
71 Outperform | ¥15.56B | 9.04 | ― | 3.58% | 18.00% | 49.68% | |
69 Neutral | ¥12.72B | 12.32 | ― | 2.68% | 24.30% | -0.84% | |
66 Neutral | ¥18.31B | 9.90 | ― | 3.30% | 22.16% | 44.08% | |
59 Neutral | ¥12.76B | 13.89 | ― | 1.89% | 20.99% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | ¥12.10B | -38.93 | ― | 2.74% | 20.60% | -182.73% |
* General Sector Average
JP:8365
Bank of Toyama Ltd.
2,350.00
698.60
42.30%
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49.58%
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.