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Bank of Toyama Ltd. (8365) AI Stock Analysis
Bank of Toyama Ltd.
(TSE/TYO:8365)
Bank of Toyama's score of 74 is primarily driven by strong technical momentum, aggressive balance sheet deleveraging, and solid top-line revenue growth. However, this positive trajectory is partially offset by critical underlying risks associated with volatile, negative cash flows and persistently low return on equity.
Bank of Toyama Ltd. (8365) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 10.79B
- Dividend Yield
- 2.84%
- Average Volume (3M)
- 8,726
- Price to Earnings (P/E)
- 10.6
- Beta (1Y)
- 0.79
- Revenue Growth
- 24.30%
- EPS Growth
- -0.84%
- Country
- Japan
- Employees
- 325
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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 ordinary,...
Bank of Toyama Ltd. Financial Statement Overview
Summary
The bank displays a mixed financial profile with robust top-line revenue growth of 36.5% and a highly stabilized, deleveraged balance sheet. However, profitability is hampered by a historically low return on equity, and severe volatility resulting in negative recent cash flows presents notable operational risks.
Income Statement
76PositiveBalance Sheet
82Very PositiveCash Flow
42Neutral| 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 | -479.00M | 0 | -2.16B | -19.88B | 11.13B |
| Operating Cash Flow | 0 | -170.00M | 0 | 2.64B | -19.22B | 11.28B |
| Investing Cash Flow | 0 | -9.81B | 1.87B | 972.00M | 13.79B | -13.30B |
| Financing Cash Flow | 0 | 9.53B | 2.92B | -272.00M | -272.00M | -341.00M |
Bank of Toyama Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8365, the sentiment is Negative. The current price of 2023.00 is below the 20-day moving average (MA) of 2163.25, below the 50-day MA of 2267.16, and below the 200-day MA of 2232.09, indicating a bearish trend. The MACD of -66.24 indicates Positive momentum. The RSI at 35.70 is Neutral, neither overbought nor oversold. The STOCH value of 47.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8365.
Bank of Toyama Ltd. Peers Comparison
Overall Rating
JP:856379Outperform- JP:836574Outperform
JP:834971Outperform
JP:856266Neutral
JP:838360Neutral
JP:841644Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8563 | 79Outperform | JPY 14.89B | 8.35 | ― | 3.58% | 18.72% | 19.57% |
| JP:8365 | 74Outperform | JPY 11.67B | 10.60 | ― | 2.84% | 24.30% | -0.84% |
| JP:8349 | 71Outperform | JPY 13.78B | 7.67 | ― | 3.57% | 18.00% | 49.68% |
| JP:8562 | 66Neutral | JPY 12.00B | 12.17 | ― | 1.53% | 20.99% | ― |
| JP:8383 | 60Neutral | JPY 16.45B | 8.46 | ― | 2.97% | 22.16% | 44.08% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8416 | 44Neutral | JPY 10.41B | -31.60 | ― | 2.59% | 20.60% | -182.73% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8365 | Bank of Toyama Ltd. | 2023.00 | 378.34 | 23.00% | |
| JP:8349 | Tohoku Bank, Ltd. | 1399.00 | 81.36 | 6.17% | |
| JP:8383 | TOTTORI BANK, LTD. | 1681.00 | 365.19 | 27.75% | |
| JP:8416 | Bank of Kochi, Ltd. | 966.00 | 117.29 | 13.82% | |
| JP:8562 | Fukushima Bank, Ltd. | 326.00 | 105.04 | 47.54% | |
| JP:8563 | Daito Bank, Ltd. | 1117.00 | 363.29 | 48.20% |
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