The Toho Bank, Ltd. Logo

The Toho Bank, Ltd.

8346.T

(1.5)
Stock Price

282,00 JPY

0.28% ROA

2.82% ROE

11.89x PER

Market Cap.

66.623.250.828,00 JPY

98.27% DER

2.81% Yield

9.93% NPM

The Toho Bank, Ltd. Stock Analysis

The Toho Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Toho Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.37x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (2.51%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.07%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

5 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

6 DER

The company has a high debt to equity ratio (280%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (-749), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

The Toho Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Toho Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

The Toho Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Toho Bank, Ltd. Revenue
Year Revenue Growth
2004 59.470.000.000
2005 62.021.000.000 4.11%
2006 57.892.000.000 -7.13%
2007 52.473.000.000 -10.33%
2008 51.278.000.000 -2.33%
2009 52.817.000.000 2.91%
2010 52.891.000.000 0.14%
2011 51.243.000.000 -3.22%
2012 53.225.000.000 3.72%
2013 54.240.000.000 1.87%
2014 55.633.000.000 2.5%
2015 66.572.000.000 16.43%
2016 62.146.000.000 -7.12%
2017 62.452.000.000 0.49%
2018 64.789.000.000 3.61%
2019 57.309.000.000 -13.05%
2020 52.634.000.000 -8.88%
2021 54.779.000.000 3.92%
2022 52.908.000.000 -3.54%
2023 51.792.000.000 -2.15%
2023 57.683.000.000 10.21%
2024 62.312.000.000 7.43%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Toho Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Toho Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 36.104.000.000
2005 35.027.000.000 -3.07%
2006 35.500.000.000 1.33%
2007 37.030.000.000 4.13%
2008 37.159.000.000 0.35%
2009 37.025.000.000 -0.36%
2010 36.354.000.000 -1.85%
2011 36.185.000.000 -0.47%
2012 36.800.000.000 1.67%
2013 37.338.000.000 1.44%
2014 38.041.000.000 1.85%
2015 39.640.000.000 4.03%
2016 39.597.000.000 -0.11%
2017 39.083.000.000 -1.32%
2018 37.714.000.000 -3.63%
2019 36.631.000.000 -2.96%
2020 35.622.000.000 -2.83%
2021 34.084.000.000 -4.51%
2022 32.831.000.000 -3.82%
2023 33.232.000.000 1.21%
2023 35.150.000.000 5.46%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Toho Bank, Ltd. EBITDA
Year EBITDA Growth
2004 18.480.000.000
2005 19.642.000.000 5.92%
2006 21.188.000.000 7.3%
2007 17.464.000.000 -21.32%
2008 13.785.000.000 -26.69%
2009 17.796.000.000 22.54%
2010 13.334.000.000 -33.46%
2011 14.606.000.000 8.71%
2012 15.848.000.000 7.84%
2013 19.494.000.000 18.7%
2014 21.941.000.000 11.15%
2015 30.411.000.000 27.85%
2016 15.770.000.000 -92.84%
2017 15.805.000.000 0.22%
2018 5.596.000.000 -182.43%
2019 3.968.000.000 -41.03%
2020 -2.996.000.000 232.44%
2021 9.722.000.000 130.82%
2022 7.063.000.000 -37.65%
2023 8.804.000.000 19.78%
2023 -450.000.000 2056.44%
2024 4.028.000.000 111.17%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Toho Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 59.470.000.000
2005 62.021.000.000 4.11%
2006 57.892.000.000 -7.13%
2007 52.473.000.000 -10.33%
2008 51.278.000.000 -2.33%
2009 52.817.000.000 2.91%
2010 52.891.000.000 0.14%
2011 51.243.000.000 -3.22%
2012 53.225.000.000 3.72%
2013 54.240.000.000 1.87%
2014 55.633.000.000 2.5%
2015 66.572.000.000 16.43%
2016 62.146.000.000 -7.12%
2017 62.452.000.000 0.49%
2018 64.789.000.000 3.61%
2019 57.309.000.000 -13.05%
2020 52.634.000.000 -8.88%
2021 54.779.000.000 3.92%
2022 52.908.000.000 -3.54%
2023 51.792.000.000 -2.15%
2023 57.496.000.000 9.92%
2024 62.312.000.000 7.73%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Toho Bank, Ltd. Net Profit
Year Net Profit Growth
2004 5.147.000.000
2005 5.515.000.000 6.67%
2006 6.166.000.000 10.56%
2007 4.619.000.000 -33.49%
2008 1.949.000.000 -136.99%
2009 6.550.000.000 70.24%
2010 4.552.000.000 -43.89%
2011 4.722.000.000 3.6%
2012 6.378.000.000 25.96%
2013 9.157.000.000 30.35%
2014 9.921.000.000 7.7%
2015 18.233.000.000 45.59%
2016 7.077.000.000 -157.64%
2017 7.339.000.000 3.57%
2018 3.585.000.000 -104.71%
2019 2.727.000.000 -31.46%
2020 -4.664.000.000 158.47%
2021 6.753.000.000 169.07%
2022 4.493.000.000 -50.3%
2023 5.316.000.000 15.48%
2023 5.252.000.000 -1.22%
2024 9.464.000.000 44.51%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Toho Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 23
2005 25 8.33%
2006 28 11.11%
2007 21 -35%
2008 9 -150%
2009 28 70.37%
2010 18 -50%
2011 19 0%
2012 25 28%
2013 36 30.56%
2014 39 7.69%
2015 72 45.83%
2016 28 -157.14%
2017 29 3.45%
2018 14 -107.14%
2019 11 -40%
2020 -19 155.56%
2021 27 169.23%
2022 18 -52.94%
2023 0 0%
2023 21 100%
2024 38 45.95%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Toho Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 -1.163.000.000
2005 -55.014.000.000 97.89%
2006 -36.936.000.000 -48.94%
2007 -11.641.000.000 -217.29%
2008 -7.916.000.000 -47.06%
2009 79.372.000.000 109.97%
2010 119.348.000.000 33.5%
2011 140.756.000.000 15.21%
2012 598.594.000.000 76.49%
2013 765.470.000.000 21.8%
2014 519.674.000.000 -47.3%
2015 -270.722.000.000 291.96%
2016 -164.644.000.000 -64.43%
2017 -37.577.000.000 -338.15%
2018 -418.729.000.000 91.03%
2019 -178.022.000.000 -135.21%
2020 852.738.000.000 120.88%
2021 496.030.000.000 -71.91%
2022 -768.002.000.000 164.59%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Toho Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 20.000.000
2005 -54.028.000.000 100.04%
2006 -34.928.000.000 -54.68%
2007 -9.781.000.000 -257.1%
2008 -6.153.000.000 -58.96%
2009 81.254.000.000 107.57%
2010 120.990.000.000 32.84%
2011 143.390.000.000 15.62%
2012 602.055.000.000 76.18%
2013 767.656.000.000 21.57%
2014 522.175.000.000 -47.01%
2015 -264.365.000.000 297.52%
2016 -161.016.000.000 -64.19%
2017 -34.640.000.000 -364.83%
2018 -416.343.000.000 91.68%
2019 -173.959.000.000 -139.33%
2020 856.012.000.000 120.32%
2021 502.097.000.000 -70.49%
2022 -759.846.000.000 166.08%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Toho Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 1.183.000.000
2005 986.000.000 -19.98%
2006 2.008.000.000 50.9%
2007 1.860.000.000 -7.96%
2008 1.763.000.000 -5.5%
2009 1.882.000.000 6.32%
2010 1.642.000.000 -14.62%
2011 2.634.000.000 37.66%
2012 3.461.000.000 23.89%
2013 2.186.000.000 -58.33%
2014 2.501.000.000 12.59%
2015 6.357.000.000 60.66%
2016 3.628.000.000 -75.22%
2017 2.937.000.000 -23.53%
2018 2.386.000.000 -23.09%
2019 4.063.000.000 41.27%
2020 3.274.000.000 -24.1%
2021 6.067.000.000 46.04%
2022 8.156.000.000 25.61%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Toho Bank, Ltd. Equity
Year Equity Growth
2004 126.448.000.000
2005 123.352.000.000 -2.51%
2006 129.153.000.000 4.49%
2007 122.718.000.000 -5.24%
2008 115.549.000.000 -6.2%
2009 141.027.000.000 18.07%
2010 138.970.000.000 -1.48%
2011 147.141.000.000 5.55%
2012 164.271.000.000 10.43%
2013 167.818.000.000 2.11%
2014 186.289.000.000 9.92%
2015 198.278.000.000 6.05%
2016 196.159.000.000 -1.08%
2017 199.967.000.000 1.9%
2018 195.127.000.000 -2.48%
2019 190.985.000.000 -2.17%
2020 191.386.000.000 0.21%
2021 192.740.000.000 0.7%
2022 191.013.000.000 -0.9%
2023 206.179.000.000 7.36%
2023 191.389.000.000 -7.73%
2024 202.499.000.000 5.49%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Toho Bank, Ltd. Assets
Year Assets Growth
2004 2.829.174.000.000
2005 2.860.673.000.000 1.1%
2006 2.842.266.000.000 -0.65%
2007 2.856.905.000.000 0.51%
2008 3.000.376.000.000 4.78%
2009 3.158.209.000.000 5%
2010 3.261.533.000.000 3.17%
2011 4.242.345.000.000 23.12%
2012 4.667.345.000.000 9.11%
2013 5.385.042.000.000 13.33%
2014 5.873.339.000.000 8.31%
2015 5.864.699.000.000 -0.15%
2016 6.023.282.000.000 2.63%
2017 6.027.154.000.000 0.06%
2018 5.910.153.000.000 -1.98%
2019 6.020.752.000.000 1.84%
2020 6.792.337.000.000 11.36%
2021 7.135.413.000.000 4.81%
2022 6.613.120.000.000 -7.9%
2023 6.758.569.000.000 2.15%
2023 6.669.825.000.000 -1.33%
2024 6.780.925.000.000 1.64%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Toho Bank, Ltd. Liabilities
Year Liabilities Growth
2004 2.702.726.000.000
2005 2.737.321.000.000 1.26%
2006 2.713.113.000.000 -0.89%
2007 2.734.187.000.000 0.77%
2008 2.884.827.000.000 5.22%
2009 3.017.182.000.000 4.39%
2010 3.122.563.000.000 3.37%
2011 4.095.204.000.000 23.75%
2012 4.503.074.000.000 9.06%
2013 5.217.224.000.000 13.69%
2014 5.687.050.000.000 8.26%
2015 5.666.421.000.000 -0.36%
2016 5.827.123.000.000 2.76%
2017 5.827.187.000.000 0%
2018 5.715.026.000.000 -1.96%
2019 5.829.767.000.000 1.97%
2020 6.600.951.000.000 11.68%
2021 6.942.673.000.000 4.92%
2022 182.466.000.000 -3704.91%
2023 6.552.381.000.000 97.22%
2023 182.983.000.000 -3480.87%
2024 6.578.420.000.000 97.22%

The Toho Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
226.28
Net Income per Share
22.46
Price to Earning Ratio
11.89x
Price To Sales Ratio
1.17x
POCF Ratio
18.68
PFCF Ratio
18.57
Price to Book Ratio
0.33
EV to Sales
36.73
EV Over EBITDA
348.98
EV to Operating CashFlow
581.53
EV to FreeCashFlow
581.53
Earnings Yield
0.08
FreeCashFlow Yield
0.05
Market Cap
66,62 Bil.
Enterprise Value
2.086,55 Bil.
Graham Number
638.52
Graham NetNet
-33461.96

Income Statement Metrics

Net Income per Share
22.46
Income Quality
0.68
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.66
EBT Per Ebit
1.53
Ebit per Revenue
0.1
Effective Tax Rate
0.34

Margins

Sales, General, & Administrative to Revenue
0.47
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.1
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.03
Dividend Yield %
2.81
Payout Ratio
0
Dividend Per Share
7.5

Operating Metrics

Operating Cashflow per Share
14.29
Free CashFlow per Share
14.29
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-7.254,35
Book Value per Share
806,75
Tangible Book Value per Share
-18213.33
Shareholders Equity per Share
806.73
Interest Debt per Share
793.69
Debt to Equity
0.98
Debt to Assets
0.03
Net Debt to EBITDA
337.84
Current Ratio
226.78
Tangible Asset Value
-4.571,76 Bil.
Net Current Asset Value
-4.736,78 Bil.
Invested Capital
6642417000000
Working Capital
1.833,52 Bil.
Intangibles to Total Assets
0.7
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.99

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Toho Bank, Ltd. Dividends
Year Dividends Growth
2001 3
2002 5 40%
2003 5 0%
2004 5 0%
2005 5 0%
2006 6 0%
2007 6 16.67%
2008 6 0%
2009 6 0%
2010 7 0%
2011 7 0%
2012 4 -100%
2013 7 50%
2014 8 14.29%
2015 8 12.5%
2016 5 -100%
2017 8 50%
2018 8 0%
2019 8 0%
2020 5 -60%
2021 6 16.67%
2022 8 14.29%
2023 7 0%
2024 8 0%
2025 0 0%

The Toho Bank, Ltd. Profile

About The Toho Bank, Ltd.

The Toho Bank, Ltd. provides various banking products and services in Japan. Its products include individual and institutional deposits, negotiable certificates of deposit, etc.; credit cards; leasing products; commercial and mortgage loans; and bills discounted, as well as credit guaranteeing service. The company is also involved in investing in marketable securities; printing and binding of business forms, etc.; and calculation and software development operations. As of March 31, 2021, it operated 122 branches. The Toho Bank, Ltd. was incorporated in 1941 and is headquartered in Fukushima, Japan.

CEO
Mr. Minoru Sato
Employee
1.958
Address
3-25, Ohmachi
Fukushima, 960-8633

The Toho Bank, Ltd. Executives & BODs

The Toho Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Minoru Sato
Chairman, President & Chief Executive Officer
70
2 Shinji Takano
Managing Executive Officer & GM of Administrative Headquarters
70
3 Mr. Toshiki Soeta
MD, GM of Sales Headquarters & Director
70
4 Osamu Sawada
Managing Executive Officer & Aizu Sales Manager
70
5 Masatomo Fujishima
Executive Officer & GM of Credit Department
70
6 Naoyuki Tanabe
Managing Executive Officer & Head Office Sales Manager
70
7 Hiromi Meguro
Managing Executive Officer & Koriyama Sales Manager
70
8 Mr. Takashi Sekine
Managing Executive Officer
70

The Toho Bank, Ltd. Competitors