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8550 Stock Chart & Stats
¥793.00
¥3.00(1.07%)
At close: 4:00 PM EST
¥793.00
¥3.00(1.07%)
Day’s Range― - ―
52-Week Range¥497.00 - ¥1,230.00
Previous CloseN/A
Volume303.10K
Average Volume (3M)680.85K
Market Cap
¥100.91B
Enterprise Value-¥265.82B
Total Cash (Recent Filing)¥410.09B
Total Debt (Recent Filing)¥45.97B
Price to Earnings (P/E)12.0
Beta1.56
Next Earnings
Nov 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.9%
Share Statistics
EPS (TTM)83.36
Shares Outstanding109,608,000
10 Day Avg. Volume777,550
30 Day Avg. Volume680,846
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)0.55
Price to Sales (P/S)1.74
P/FCF Ratio11.48
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
Bulls Say, Bears Say
Bulls Say
2026 Earnings ReboundThe sharp 2026 recovery shows that the bank can restore profitability after a difficult period, supported by stronger revenue. If maintained through core lending and banking services, this rebound can improve retained capital, support investment, and strengthen earnings capacity over the next several quarters.
Stable Balance SheetA large and stable asset base provides scale and resilience for a regional bank, while the substantial reduction in debt versus 2022 improves financial flexibility. Consistent equity also supports the capacity to absorb credit or earnings volatility and continue serving local customers.
Latest Positive Cash FlowThe return to positive operating and free cash flow in the latest period indicates that the business again generated cash after several weak years. Sustained positive conversion would improve internal funding capacity, support balance-sheet management, and reduce reliance on external financing.
Bears Say
Earnings VolatilityThe magnitude of the recent earnings swing makes the 2026 rebound difficult to treat as a stable earnings trend. Such volatility can complicate capital planning, weaken confidence in recurring profitability, and cause shareholder returns to vary materially across reporting periods.
Erratic Cash GenerationLarge cash-flow reversals and multiple years of weak or negative free cash flow reduce visibility into the bank’s recurring cash-generation ability. Even with a positive 2026 result, continued instability could constrain reinvestment, distributions, and flexibility during weaker operating conditions.
Regional ConcentrationA business focused mainly on Tochigi and nearby markets ties growth and credit performance closely to the economic conditions of a relatively defined geographic area. This concentration can limit diversification of loan demand and make regional weakness more consequential to results.
Tochigi Bank, Ltd. News
8550 FAQ
What was Tochigi Bank, Ltd.’s price range in the past 12 months?
Tochigi Bank, Ltd. lowest stock price was ¥497.00 and its highest was ¥1230.00 in the past 12 months.
What is Tochigi Bank, Ltd.’s market cap?
Tochigi Bank, Ltd.’s market cap is ¥100.91B.
When is Tochigi Bank, Ltd.’s upcoming earnings report date?
Tochigi Bank, Ltd.’s upcoming earnings report date is Nov 06, 2026 which is in 14 days.
How were Tochigi Bank, Ltd.’s earnings last quarter?
Tochigi Bank, Ltd. released its earnings results on Jul 30, 2026. The company reported ¥20.33 earnings per share for the quarter.
Is Tochigi Bank, Ltd. overvalued?
According to Wall Street analysts Tochigi Bank, Ltd.’s price is currently Overvalued.
Does Tochigi Bank, Ltd. pay dividends?
Tochigi Bank, Ltd. pays a Semiannually dividend of ¥15 which represents an annual dividend yield of 2.9%. See more information on Tochigi Bank, Ltd. dividends here
What is Tochigi Bank, Ltd.’s EPS estimate?
Tochigi Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Tochigi Bank, Ltd. have?
Tochigi Bank, Ltd. has 109,608,000 shares outstanding.
What happened to Tochigi Bank, Ltd.’s price movement after its last earnings report?
Tochigi Bank, Ltd. reported an EPS of ¥20.33 in its last earnings report. Following the earnings report the stock price went down -2.301%.
Which hedge fund is a major shareholder of Tochigi Bank, Ltd.?
Currently, no hedge funds are holding shares in JP:8550
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Tochigi Bank, Ltd.
The Tochigi Bank, Ltd. delivers a comprehensive range of banking products and financial services to both individual and business customers throughout Japan. Its diverse deposit portfolio includes everyday options like ordinary, savings, and general accounts, alongside specialized offerings such as time deposits, foreign currency time deposits, property accumulation deposits, and WEB accounts. For its clientele, the bank extends various lending solutions, including mortgage, remodeling, school, housing, car, and bank card loans. Furthermore, it offers asset management services, insurance policies, and pension products. As of March 31, 2021, The Tochigi Bank operated through 86 offices, 6 loan plazas, and a network of 335 ATMs situated in 199 different locations. Founded in 1942, the institution was formerly known as Tochigi Mutual Bank Co., Ltd. before changing its name to The Tochigi Bank, Ltd. in 1989. It is headquartered in Utsunomiya, Japan.
Technical Analysis
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