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Tochigi Bank, Ltd.
(8550)
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Rating:61Neutral
Price Target:
¥1,178.00
▲(48.55% Upside)
Action:Reiterated
Date:08/17/26
The score is held back primarily by volatile profitability and highly erratic cash flow history despite a 2026 rebound. Technicals are a clear positive with strong trend and momentum, and valuation appears reasonable with a moderate dividend yield, but the financial consistency risk remains the dominant factor.
Positive Factors
2026 earnings rebound
The sharp recovery from the prior-year loss shows that the bank can restore profitability when operating conditions improve, supporting near-term earnings capacity. Continued performance will depend on whether this rebound reflects recurring banking income rather than one-off effects.
Negative Factors
Highly volatile profitability
The large swing from loss to profit makes earnings quality and forecasting less reliable. Even with the 2026 recovery, investors must assess whether results reflect sustainable net interest and fee income or temporary items that could reverse.
Read all positive and negative factors
Positive Factors
Negative Factors
2026 earnings rebound
The sharp recovery from the prior-year loss shows that the bank can restore profitability when operating conditions improve, supporting near-term earnings capacity. Continued performance will depend on whether this rebound reflects recurring banking income rather than one-off effects.
Read all positive factors
Tochigi Bank, Ltd. (8550) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥109.99B
Dividend Yield2.44%
Average Volume (3M)703.38K
Price to Earnings (P/E)12.8
Beta (1Y)1.45
Revenue Growth26.39%
EPS GrowthN/A
CountryJP
Employees1,501
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)83.36
Shares Outstanding109,608,000
10 Day Avg. Volume816,970
30 Day Avg. Volume703,383
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
Tochigi Bank, Ltd. Business Overview & Revenue Model
Company Description
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 genera...
How the Company Makes Money
Tochigi Bank makes money primarily through banking intermediation and fee-based financial services. The largest earnings driver for a regional bank is typically net interest income: it gathers funds through customer deposits and other funding sour...
Tochigi Bank, Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
62
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 53.68B | 51.40B | 40.31B | 41.04B | 41.33B | 37.76B |
| Gross Profit | 44.93B | 43.14B | 37.89B | 40.93B | 41.19B | 37.52B |
| EBITDA | 10.46B | 11.34B | -22.22B | 4.43B | 5.29B | 5.67B |
| Net Income | 8.68B | 8.29B | -22.33B | 2.10B | 2.65B | 3.63B |
Balance Sheet | ||||||
| Total Assets | 3.47T | 3.42T | 3.33T | 3.31T | 3.28T | 3.52T |
| Cash, Cash Equivalents and Short-Term Investments | 410.09B | 466.15B | 699.67B | 585.71B | 572.44B | 895.52B |
| Total Debt | 45.97B | 45.81B | 33.36B | 34.13B | 41.75B | 313.80B |
| Total Liabilities | 3.30T | 3.25T | 3.18T | 3.16T | 3.12T | 3.35T |
| Stockholders Equity | 164.84B | 163.24B | 151.49B | 150.20B | 153.41B | 161.29B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.79B | 0.00 | -1.36B | -292.20B | 278.43B |
| Operating Cash Flow | 0.00 | 14.92B | 0.00 | 1.10B | -290.89B | 279.58B |
| Investing Cash Flow | 0.00 | -300.99B | 217.17B | -35.63B | -32.44B | -42.96B |
| Financing Cash Flow | 0.00 | 63.19B | 5.82B | 51.05B | -904.00M | -545.00M |
Tochigi Bank, Ltd. Technical Analysis
Positive
793.00
Price Trends
993.98
Positive
974.33
Positive
885.81
Positive
Market Momentum
16.29
Positive
55.71
Neutral
29.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8550, the sentiment is Positive. The current price of 793 is below the 20-day moving average (MA) of 1032.75, below the 50-day MA of 993.98, and below the 200-day MA of 885.81, indicating a bullish trend. The MACD of 16.29 indicates Positive momentum. The RSI at 55.71 is Neutral, neither overbought nor oversold. The STOCH value of 29.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8550.
Tochigi Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥142.22B | 8.49 | ― | 3.05% | 36.24% | 144.55% | |
68 Neutral | ¥1.06T | 16.92 | 9.80% | 2.33% | 21.58% | 34.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.46T | 16.44 | ― | 2.00% | 25.45% | 61.40% | |
65 Neutral | ¥136.38B | 13.91 | ― | 2.46% | 18.71% | 51.71% | |
61 Neutral | ¥109.99B | 12.76 | ― | 2.12% | 26.39% | ― | |
59 Neutral | ¥154.59B | 17.95 | ― | 3.35% | 28.83% | 38.45% |
* Financial Sector Average
JP:8550
Tochigi Bank, Ltd.
1,065.00
604.45
131.25%
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150.07%
Tochigi Bank, Ltd. Corporate Events
Tochigi Bank Outlines Q1 FY2026 Financial Performance
Jul 30, 2026
Tochigi Bank released an overview of its financial results for the three months ended June 30, 2026, outlining both consolidated and non-consolidated performance. The disclosure covers core net business profit trends, net interest income, and move...
Tochigi Bank Posts Strong Q1 Earnings and Confirms Higher Dividend Outlook
Jul 30, 2026
The Tochigi Bank, Ltd. reported strong results for the three months ended June 30, 2026, with ordinary income rising 26.9% year-on-year to ¥15,075 million and profit attributable to owners of parent up 22.5% to ¥2,116 million. Basic earn...
Tochigi Bank Outlines Fiscal 2026 Earnings, Balance Sheet Trends and Shareholder Returns
Jun 2, 2026
Tochigi Bank has released an overview of its financial results for the fiscal year ended March 31, 2026, outlining consolidated and non-consolidated performance indicators. The disclosure highlights trends in core net business profit, net interest...
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.