Tomato Bank, Ltd. (8542) AI Stock Analysis

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Tomato Bank, Ltd.

(TSE/TYO:8542)

Select Model

Rating:65Neutral

Price Target:JPY 1,818.00▲(7.51% Upside)

Action:reiterated

Date:08/17/26

The overall score of 65 reflects a balanced view considering the bank's financial health, technical momentum, and valuation. Financial performance is mixed, with solid revenue growth and a strong balance sheet offset by volatile cash flows and low profitability. The stock's strong uptrend and overbought signals suggest near-term risk, while valuation appears fair. The combination yields a moderately positive outlook with some caution.

Positive Factors

Steady Revenue GrowthSustained revenue expansion indicates that Tomato Bank continues to deepen its regional banking business and generate demand for its lending and financial services. Continued top-line growth provides a durable base for earnings, even if profitability varies with spreads and operating costs.

Negative Factors

Unpredictable Cash GenerationLarge year-to-year swings in operating and free cash flow make the bank’s underlying cash-generation profile difficult to predict. The step-down from 2025 and prior negative or flat periods reduce confidence that internally generated cash can consistently support growth, capital needs, and shareholder returns.

Tomato Bank, Ltd. (8542) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 19.51B
Dividend Yield: 2.96%
Average Volume (3M): 41.45K
Price to Earnings (P/E): 9.8
Beta (1Y): 0.82
Revenue Growth: 8.68%
EPS Growth: 23.14%
Country: Japan
Employees: 746
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Tomato Bank, Ltd. Business Overview & Revenue Model

Company Description

Operating in Japan, Tomato Bank, Ltd. delivers a broad spectrum of banking and financial solutions to both individual and corporate clients. Its offerings include a variety of deposit accounts, such as savings, time, reserve, and foreign currency opt...

How the Company Makes Money

Tomato Bank, Ltd. primarily makes money through (1) net interest income and (2) non-interest (fee-based) income. Net interest income is generated by taking customer deposits and other funding sources and deploying those funds into interest-earning as...

Tomato Bank, Ltd. Financial Statement Overview

Summary

Income statement shows consistent revenue growth and stable margins, balance sheet is well-capitalized with moderate leverage, but cash flow volatility and low return on equity are concerns. Combined score reflects these mixed signals.

Income Statement

68Positive

Balance Sheet

62Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	26.45B	25.91B	23.16B	21.55B	20.71B	20.41B
Gross Profit	22.46B	22.30B	22.21B	21.30B	20.29B	20.14B
EBITDA	3.03B	3.55B	3.33B	3.06B	3.50B	3.20B
Net Income	2.19B	1.97B	1.82B	1.53B	1.88B	1.66B
Balance Sheet
Total Assets	1.38T	1.39T	1.36T	1.34T	1.31T	1.40T
Cash, Cash Equivalents and Short-Term Investments	102.17B	114.00B	108.83B	101.97B	86.56B	196.34B
Total Debt	40.51B	39.99B	39.98B	39.34B	25.44B	120.55B
Total Liabilities	1.32T	1.33T	1.31T	1.29T	1.26T	1.35T
Stockholders Equity	58.27B	57.43B	55.86B	56.83B	54.20B	54.75B
Cash Flow
Free Cash Flow	0	745.00M	14.90B	0	-110.62B	90.10B
Operating Cash Flow	0	1.35B	15.32B	0	-110.25B	90.73B
Investing Cash Flow	0	-21.54B	-26.13B	8.86B	2.06B	-13.00M
Financing Cash Flow	0	21.28B	17.39B	17.55B	-828.00M	2.17B

Tomato Bank, Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price1691.00

Price Trends

50DMA1854.80Negative

100DMA1744.83Negative

200DMA1658.41Positive

Market Momentum

MACD-41.91Positive

RSI40.37Neutral

STOCH36.52Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8542, the sentiment is Negative. The current price of 1691.00 is below the 20-day moving average (MA) of 1769.50, below the 50-day MA of 1854.80, and above the 200-day MA of 1658.41, indicating a neutral trend. The MACD of -41.91 indicates Positive momentum. The RSI at 40.37 is Neutral, neither overbought nor oversold. The STOCH value of 36.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8542.

Tomato Bank, Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:8542 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8349	79Outperform	JPY 13.45B	7.68	―	3.57%	18.00%	49.68%
JP:8383	79Outperform	JPY 16.07B	8.53	―	2.95%	22.16%	44.08%
JP:8563	79Outperform	JPY 14.31B	8.30	―	3.60%	18.72%	19.57%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8537	66Neutral	JPY 27.15B	11.75	―	3.80%	19.65%	-7.81%
JP:8542	65Neutral	JPY 19.58B	9.85	―	2.96%	8.68%	23.14%
JP:8562	59Neutral	JPY 11.86B	12.50	―	1.49%	20.73%	―

* Financial Sector Average

Performance Comparison

JP:8542 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8542	Tomato Bank, Ltd.	1691.00	331.78	24.41%
JP:8349	Tohoku Bank, Ltd.	1401.00	114.34	8.89%
JP:8383	TOTTORI BANK, LTD.	1695.00	374.33	28.34%
JP:8537	Taiko Bank, Ltd.	2813.00	1158.32	70.00%
JP:8562	Fukushima Bank, Ltd.	335.00	105.17	45.76%
JP:8563	Daito Bank, Ltd.	1110.00	353.38	46.71%

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.

Date of analysis: Aug 17, 2026

Tomato Bank, Ltd. AI Stock Analysis