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Tochigi Bank, Ltd.
(8550)
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Rating:61Neutral
Price Target:
¥967.00
▲(21.94% 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
Revenue and profit rebound
The sharp 2026 recovery shows that the bank can restore profitability after a difficult period, supported by its established lending and deposit franchise. If revenue and earnings remain above prior levels, the rebound could strengthen internal capital generation and support ongoing regional growth.
Negative Factors
Earnings volatility
The large shift from a substantial 2025 loss to a 2026 profit makes recent earnings difficult to treat as a stable baseline. Such volatility can weaken confidence in recurring profitability, complicate capital planning, and make future shareholder returns less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit rebound
The sharp 2026 recovery shows that the bank can restore profitability after a difficult period, supported by its established lending and deposit franchise. If revenue and earnings remain above prior levels, the rebound could strengthen internal capital generation and support ongoing regional growth.
Read all positive factors
Tochigi Bank, Ltd. (8550) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥95.79B
Dividend Yield3.16%
Average Volume (3M)713.14K
Price to Earnings (P/E)11.0
Beta (1Y)1.60
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. Volume740,770
30 Day Avg. Volume713,140
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’s earnings are primarily generated through traditional commercial banking activities. The main revenue stream is interest income: the bank accepts customer deposits and other funding and deploys those funds into interest-earning asset...
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
Negative
793.00
Price Trends
1078.38
Negative
1015.79
Negative
957.09
Negative
Market Momentum
-39.07
Positive
32.36
Neutral
13.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8550, the sentiment is Negative. The current price of 793 is below the 20-day moving average (MA) of 1097.94, below the 50-day MA of 1078.38, and below the 200-day MA of 957.09, indicating a bearish trend. The MACD of -39.07 indicates Positive momentum. The RSI at 32.36 is Neutral, neither overbought nor oversold. The STOCH value of 13.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥145.72B | 8.50 | ― | 2.36% | 36.24% | 144.55% | |
68 Neutral | ¥926.57B | 14.77 | 10.16% | 2.78% | 21.58% | 34.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.25T | 14.09 | ― | 2.63% | 25.45% | 61.40% | |
65 Neutral | ¥115.51B | 11.76 | ― | 3.59% | 18.71% | 51.71% | |
63 Neutral | ¥126.83B | 14.12 | ― | 8.40% | 28.83% | 38.45% | |
61 Neutral | ¥95.79B | 11.00 | ― | 3.26% | 26.39% | ― |
* Financial Sector Average
JP:8550
Tochigi Bank, Ltd.
917.00
419.19
84.21%
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2,434.50
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529.26
57.80%
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693.19
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JP:8399
Bank Of The Ryukyus,Limited
2,723.00
1,219.79
81.15%
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...
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.