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Taiko Bank, Ltd.
(8537)
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Rating:61Neutral
Price Target:
¥3,207.00
▲(55.00% Upside)
Action:Downgraded
Date:07/30/26
The score is driven primarily by mixed financial quality: improving earnings and re-accelerating revenue are positives, but rising leverage, modest ROE, and historically volatile cash flow limit confidence. Valuation is a clear support (low P/E and solid dividend yield), while technicals are a headwind with the stock below key short/intermediate moving averages despite holding above the 200-day average.
Positive Factors
Improving Earnings
The sustained increase in net income indicates stronger earnings capacity and provides a firmer base for reinvestment, capital retention, and shareholder distributions over the next several quarters.
Negative Factors
Rising Borrowings
The sharp increase in borrowings and debt-to-equity ratio to about 1.29 reduces financial flexibility and could increase funding sensitivity, limiting resilience if credit or market conditions weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Earnings
The sustained increase in net income indicates stronger earnings capacity and provides a firmer base for reinvestment, capital retention, and shareholder distributions over the next several quarters.
Read all positive factors
Taiko Bank, Ltd. (8537) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥28.30B
Dividend Yield2.93%
Average Volume (3M)29.90K
Price to Earnings (P/E)12.6
Beta (1Y)1.14
Revenue Growth19.65%
EPS Growth-7.81%
CountryJP
Employees883
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)239.34
Shares Outstanding9,671,400
10 Day Avg. Volume33,270
30 Day Avg. Volume29,900
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)0.27
Price to Sales (P/S)0.87
P/FCF Ratio3.17
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
Taiko Bank, Ltd. Business Overview & Revenue Model
Company Description
The Taiko Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan. It offers savings and internet-only deposit accounts; time deposit/regular savings; investment trusts; foreign currency deposits; public...
How the Company Makes Money
Taiko Bank makes money primarily through (1) net interest income and (2) non-interest (fee) income, with additional contributions from securities/investment-related income and other banking activities.
1) Net interest income (core earnings driver...
Taiko Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.02B | 25.23B | 19.95B | 19.82B | 19.64B | 19.06B |
| Gross Profit | 8.48B | 21.83B | 18.80B | 19.58B | 19.42B | 18.81B |
| EBITDA | 3.66B | 4.78B | 4.62B | 3.26B | 2.53B | 3.57B |
| Net Income | 2.28B | 2.80B | 2.50B | 1.72B | 1.28B | 2.04B |
Balance Sheet | ||||||
| Total Assets | 1.71T | 1.70T | 1.68T | 1.63T | 1.61T | 1.70T |
| Cash, Cash Equivalents and Short-Term Investments | 154.07B | 146.36B | 127.11B | 85.98B | 104.37B | 237.74B |
| Total Debt | 68.80B | 104.44B | 88.10B | 70.20B | 52.10B | 138.00B |
| Total Liabilities | 1.62T | 1.62T | 1.60T | 1.55T | 1.53T | 1.62T |
| Stockholders Equity | 81.94B | 80.80B | 74.98B | 77.65B | 73.11B | 76.98B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.92B | 0.00 | 11.56B | -139.63B | -4.52B |
| Operating Cash Flow | 0.00 | 7.70B | 0.00 | 1.60B | -139.40B | -4.19B |
| Investing Cash Flow | 0.00 | -9.43B | 846.00M | -19.40B | 6.62B | 10.63B |
| Financing Cash Flow | 0.00 | 18.02B | -649.00M | -592.00M | -589.00M | -592.00M |
Taiko Bank, Ltd. Technical Analysis
Positive
2069.00
Price Trends
2801.00
Positive
2733.85
Positive
2463.02
Positive
Market Momentum
72.48
Negative
61.51
Neutral
42.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8537, the sentiment is Positive. The current price of 2069 is below the 20-day moving average (MA) of 2845.30, below the 50-day MA of 2801.00, and below the 200-day MA of 2463.02, indicating a bullish trend. The MACD of 72.48 indicates Negative momentum. The RSI at 61.51 is Neutral, neither overbought nor oversold. The STOCH value of 42.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8537.
Taiko Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥18.31B | 9.90 | ― | 3.30% | 22.16% | 44.08% | |
73 Outperform | ¥14.42B | 8.61 | ― | 3.74% | 18.72% | 19.57% | |
69 Neutral | ¥22.42B | 9.65 | ― | 2.97% | 9.09% | 70.21% | |
69 Neutral | ¥12.76B | 13.89 | ― | 1.89% | 20.99% | ― | |
61 Neutral | ¥28.30B | 12.56 | ― | 3.50% | 19.65% | -7.81% | |
60 Neutral | ¥35.86B | 15.01 | ― | 2.59% | 21.18% | 10.36% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8537
Taiko Bank, Ltd.
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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.