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TOTTORI BANK, LTD.
(8383)
Select Model
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Rating:66Neutral
Price Target:
¥1,876.00
▲(17.40% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily driven by mixed financial quality: improved recent revenue momentum and better leverage are tempered by low ROE and volatile cash flow history. Technicals show a strong uptrend but with overbought signals that limit the technical score. Valuation is a clear positive, supported by a low P/E and a moderate dividend yield.
Positive Factors
Revenue Growth
The sharp latest-year revenue rebound indicates stronger business activity across the bank’s core operations. If maintained, this broader income base can support scale benefits, reinforce customer relationships, and provide a stronger foundation for earnings over the next several quarters.
Negative Factors
Low Return on Equity
Persistently low ROE shows that the bank is generating modest profits relative to its equity base. This limits the effectiveness of retained capital, may constrain internally generated growth, and indicates that improved revenue has not yet translated into strong shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The sharp latest-year revenue rebound indicates stronger business activity across the bank’s core operations. If maintained, this broader income base can support scale benefits, reinforce customer relationships, and provide a stronger foundation for earnings over the next several quarters.
Read all positive factors
TOTTORI BANK, LTD. (8383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥16.39B
Dividend Yield2.84%
Average Volume (3M)22.90K
Price to Earnings (P/E)8.9
Beta (1Y)0.85
Revenue Growth22.16%
EPS Growth44.08%
CountryJP
Employees638
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)198.74
Shares Outstanding9,619,938
10 Day Avg. Volume28,440
30 Day Avg. Volume22,900
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)0.30
Price to Sales (P/S)0.84
P/FCF Ratio3.42
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
TOTTORI BANK, LTD. Business Overview & Revenue Model
Company Description
The Tottori Bank, Ltd. is a Japanese financial institution that delivers a wide range of banking products and services. Its business operations are divided into two main divisions: the Banking segment and the Card Business segment. The Banking div...
How the Company Makes Money
The company makes money primarily through traditional commercial banking activities. Its core revenue stream is net interest income, earned from the spread between interest received on loans and other interest-earning assets and interest paid on c...
TOTTORI BANK, LTD. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.74B | 18.14B | 14.65B | 13.13B | 12.38B | 11.80B |
| Gross Profit | 15.81B | 14.94B | 13.88B | 12.93B | 12.15B | 11.49B |
| EBITDA | 2.76B | 2.94B | 2.65B | 2.31B | 2.48B | 2.04B |
| Net Income | 1.86B | 1.58B | 1.31B | 1.06B | 1.04B | 891.00M |
Balance Sheet | ||||||
| Total Assets | 1.15T | 1.14T | 1.11T | 1.15T | 1.10T | 1.11T |
| Cash, Cash Equivalents and Short-Term Investments | 89.48B | 71.20B | 93.27B | 124.76B | 72.58B | 99.52B |
| Total Debt | 24.06B | 24.06B | 24.06B | 42.06B | 42.06B | 63.76B |
| Total Liabilities | 1.10T | 1.08T | 1.06T | 1.10T | 1.05T | 1.06T |
| Stockholders Equity | 51.79B | 50.82B | 47.99B | 49.90B | 47.77B | 48.67B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.44B | -4.33B | 0.00 | -38.59B | 11.43B |
| Operating Cash Flow | 0.00 | 4.77B | -3.98B | 0.00 | -38.20B | 12.00B |
| Investing Cash Flow | 0.00 | -51.96B | 6.61B | -4.00B | 11.73B | -8.65B |
| Financing Cash Flow | 0.00 | 25.13B | -22.53B | 48.96B | -471.00M | -467.00M |
TOTTORI BANK, LTD. Technical Analysis
Negative
1598.00
Price Trends
1894.78
Negative
1739.58
Negative
1703.40
Positive
Market Momentum
-37.56
Positive
33.59
Neutral
7.88
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 1598 is below the 20-day moving average (MA) of 1873.88, below the 50-day MA of 1894.78, and below the 200-day MA of 1703.40, indicating a neutral trend. The MACD of -37.56 indicates Positive momentum. The RSI at 33.59 is Neutral, neither overbought nor oversold. The STOCH value of 7.88 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥15.55B | 9.20 | ― | 3.26% | 18.72% | 19.57% | |
69 Neutral | ¥11.10B | 11.12 | ― | 2.71% | 24.30% | -0.84% | |
69 Neutral | ¥20.35B | 8.95 | ― | 2.76% | 9.09% | 70.21% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥16.39B | 8.91 | ― | 2.84% | 22.16% | 44.08% | |
66 Neutral | ¥26.76B | 12.13 | ― | 3.67% | 19.65% | -7.81% | |
59 Neutral | ¥12.17B | 13.29 | ― | 1.41% | 20.99% | ― |
* Financial Sector Average
JP:8383
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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.