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Tochigi Bank, Ltd. (8550) AI Stock Analysis
Tochigi Bank, Ltd.
(TSE/TYO:8550)
Tochigi Bank earns a strong score of 82, primarily driven by its remarkable financial turnaround, return to profitability, and stellar cash flow generation. The stock is further supported by powerful bullish technical momentum across all major moving averages and an attractive valuation profile featuring a modest 13.4x P/E ratio.
Tochigi Bank, Ltd. (8550) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 99.03B
- Dividend Yield
- 3.05%
- Average Volume (3M)
- 718.99K
- Price to Earnings (P/E)
- 11.4
- Beta (1Y)
- 1.59
- Revenue Growth
- 26.39%
- EPS Growth
- ―
- Country
- Japan
- Employees
- 1,501
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 general a...
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 assets s...
Tochigi Bank, Ltd. Financial Statement Overview
Summary
Tochigi Bank demonstrated a robust turnaround, with revenue growing to ¥51.39 billion and net income surging to ¥8.28 billion. A stable balance sheet featuring low leverage (0.28x debt-to-equity) and massive improvements in free cash flow (¥7.78 billion) underscore a highly encouraging recovery and solid operational resilience.
Income Statement
82Very PositiveBalance Sheet
78PositiveCash Flow
85Very Positive| 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 | 7.79B | 0 | -1.36B | -292.20B | 278.43B |
| Operating Cash Flow | 0 | 14.92B | 0 | 1.10B | -290.89B | 279.58B |
| Investing Cash Flow | 0 | -300.99B | 217.17B | -35.63B | -32.44B | -42.96B |
| Financing Cash Flow | 0 | 63.19B | 5.82B | 51.05B | -904.00M | -545.00M |
Tochigi Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
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 910.00 is below the 20-day moving average (MA) of 1039.65, below the 50-day MA of 1067.56, and below the 200-day MA of 963.15, indicating a bearish trend. The MACD of -43.11 indicates Positive momentum. The RSI at 39.17 is Neutral, neither overbought nor oversold. The STOCH value of 58.56 is Neutral, 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
Overall Rating
- JP:855082Outperform
JP:838780.5Outperform
JP:839980Outperform
JP:833478Outperform
JP:716766Neutral
JP:834363Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8550 | 82Outperform | JPY 99.34B | 11.41 | ― | 3.05% | 26.39% | ― |
| JP:8387 | 81Outperform | JPY 161.13B | 9.40 | ― | 1.91% | 36.24% | 144.55% |
| JP:8399 | 80Outperform | JPY 119.28B | 12.14 | ― | 3.91% | 18.71% | 51.71% |
| JP:8334 | 78Outperform | JPY 991.46B | 15.80 | 10.16% | 2.57% | 21.58% | 34.90% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:7167 | 66Neutral | JPY 1.30T | 14.63 | ― | 2.53% | 25.45% | 61.40% |
| JP:8343 | 63Neutral | JPY 138.65B | 15.44 | ― | 13.02% | 28.83% | 38.45% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8550 | Tochigi Bank, Ltd. | 951.00 | 405.55 | 74.35% | |
| JP:8334 | Gunma Bank | 2605.00 | 1032.50 | 65.66% | |
| JP:7167 | Mebuki Financial Group, Inc. | 1501.50 | 558.56 | 59.24% | |
| JP:8343 | Akita Bank, Ltd. | 1536.00 | 825.16 | 116.08% | |
| JP:8387 | Shikoku Bank Ltd. | 3920.00 | 2479.14 | 172.06% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2812.00 | 1350.06 | 92.35% |
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