TOTTORI BANK, LTD. (8383) AI Stock Analysis

• Market Cap: ¥11.64B
• Dividend Yield: 4.02%
• Average Volume (3M): 37.87K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.59
• Revenue Growth: 5.17%
• EPS Growth: 35.59%
• Country: JP
• Employees: 634
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 137.18
• Shares Outstanding: 9,619,938
• 10 Day Avg. Volume: 16,110
• 30 Day Avg. Volume: 37,866
• PEG Ratio: 0.25
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

TOTTORI BANK, LTD. scores a 68, reflecting robust financial performance, particularly in revenue growth and cost management, and an attractive valuation. However, mixed technical indicators and concerns over liquidity due to limited cash flow data moderately affect the score.

TOTTORI BANK, LTD. Business Overview & Revenue Model

Company Description

TOTTORI BANK, LTD. (8383) is a regional bank headquartered in Tottori, Japan. It operates primarily in the banking sector, offering a wide range of financial services to individuals, small and medium-sized enterprises (SMEs), and larger corporations. The bank provides traditional banking services such as deposits, loans, and credit facilities, along with investment services, foreign exchange, and insurance products. TOTTORI BANK is committed to supporting the local economy and community through its financial solutions.

How the Company Makes Money

TOTTORI BANK, LTD. generates its revenue through a combination of interest income from loans and credit facilities, fees from various banking services, and commissions on investment and insurance products. The bank earns interest by providing personal and business loans, including mortgages and business development loans, to its customers. Additionally, it charges fees for account maintenance, transaction services, and foreign exchange operations. The bank also collaborates with other financial institutions and partners to offer investment products and insurance services, earning commissions on these products. Its focus on local businesses and community development also contributes to its earnings by fostering long-term customer relationships and loyalty.

TOTTORI BANK, LTD. Financial Statement Overview

Summary

TOTTORI BANK, LTD. demonstrates strong revenue growth and effective cost management leading to robust profitability. The balance sheet is stable with manageable leverage but exhibits fluctuations in total debt that require monitoring. Limited cash flow data raises concerns about short-term liquidity management.

Income Statement

The income statement reflects strong revenue growth with a notable increase from the previous year. The gross profit margin is nearly 100%, indicating effective cost management, while the net profit margin is solid at around 8.38% for TTM. EBIT margin shows significant improvement, demonstrating enhanced operational efficiency. However, the absence of EBITDA in recent TTM data indicates potential volatility in earnings calculations.

Balance Sheet

The balance sheet demonstrates stability with a healthy equity ratio of about 4.42% for TTM, suggesting a solid equity base relative to assets. The debt-to-equity ratio is manageable, reflecting prudent leverage management. However, fluctuations in total debt and liabilities over the periods highlight potential risk factors that require monitoring to ensure continued financial stability.

Cash Flow

Cash flow analysis presents challenges, with a lack of data on recent operating and free cash flows indicating potential liquidity constraints. Historical data shows significant fluctuations, with a notable positive free cash flow in 2024. The absence of recent cash flow data limits a comprehensive assessment of the company's liquidity and cash management strategies.

Breakdown
Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
12.93B	12.15B	11.49B	11.53B	11.74B
	Gross Profit
12.93B	12.15B	11.49B	11.53B	11.74B
	EBIT
2.56B	841.00M	387.00M	768.00M	472.00M
	EBITDA
0.00	2.48B	2.04B	2.30B	2.25B
	Net Income Common Stockholders
1.06B	1.04B	891.00M	996.00M	897.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
124.76B	72.58B	99.52B	96.63B	85.12B
	Total Assets
1.15T	1.10T	1.11T	1.09T	1.00T
	Total Debt
43.35B	42.06B	63.76B	63.76B	5.06B
	Net Debt
-81.42B	-30.52B	-35.76B	-32.87B	-80.06B
	Total Liabilities
1.10T	42.00B	1.06T	1.04T	957.21B
	Stockholders Equity
49.91B	47.77B	48.67B	49.34B	47.64B
Cash Flow		Free Cash Flow
55.72B	-38.59B	11.43B	29.26B	-14.42B
	Operating Cash Flow
56.66B	-38.20B	12.00B	29.46B	-14.19B
	Investing Cash Flow
-4.00B	11.73B	-8.65B	-17.48B	16.08B
	Financing Cash Flow
-468.00M	-471.00M	-467.00M	-467.00M	-516.00M

TOTTORI BANK, LTD. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1269.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8383, the sentiment is Negative. The current price of 1269 is above the 20-day moving average (MA) of 1254.85, below the 50-day MA of 1271.55, and above the 200-day MA of 1247.19, indicating a bearish trend. The MACD of 1.48 indicates Negative momentum. The RSI at 44.25 is Neutral, neither overbought nor oversold. The STOCH value of 18.59 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8383.

TOTTORI BANK, LTD. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8383	68 Neutral	¥11.64B	9.06		4.02%	5.17%	35.59%
8524	66 Neutral	¥183.41B	11.75		3.39%	9.37%	72.56%
Sector *	64 Neutral	$12.61B	9.78	7.94%	16985.69%	12.75%	-4.02%
8416	62 Neutral	¥7.60B	10.64		3.33%	-1.88%	-57.55%