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    Banks - Regional
Tsukuba Bank, Ltd.

Tsukuba Bank, Ltd.

8338.T
Tsukuba Bank, Ltd.JP flagTokyo Stock Exchange
631.00
JPY
-11.00
- -
52.00BMarket Cap
Tsukuba Bank, Ltd.
8338.T
(Tokyo Stock Exchange)

Recent

price

631.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
497.64
462.68
470.19
485.35
473.07
483.14
442.62
432.44
401.75
398.66
376.13
387.79
387.54
430.96
416.07
473.89
430.56
Revenue per Share
34.26
28.58
29.93
55.57
72.35
78.31
44.84
36.8
13.12
14.82
21.33
51.3
25.39
26.66
49.83
80.95
26.63
Basic EPS, GAAP
1,106.96
450.62
-225.14
973.61
24.33
-101.99
-107.15
1,001.55
-522.54
-681.7
2,094.49
2,647.24
-3,193.73
68
-293.55
-1,717.16
- -
Free Cash Flow per Basic Share
- -
5.51
6.05
6.36
6.36
6.14
6.14
5.46
5.25
4.99
5.04
4.99
4.99
5.04
5.08
5.04
- -
Dividend per Share
425.11
659.58
683.67
733.58
791.67
863.78
902.51
933.88
941.79
951.63
968.94
1,015.24
1,035.92
1,059.63
1,104.42
1,179.59
592.93
Book Value per Share
503.57
968.44
1,098.59
1,151.14
1,293.08
1,291.29
1,246.83
1,288.92
1,287.94
1,217.08
1,306.99
1,206.56
1,050.31
1,132.62
1,073.65
1,240.5
1,131.57
Tangible Book Value per Share
82
83
83
83
83
83
83
83
83
83
83
83
82
82
82
82
82
Basic Weighted Avg Shares
40,952
38,194
38,813
40,064
39,049
39,879
36,533
35,692
33,158
32,902
31,042
32,000
31,971
35,486
34,259
39,046
35,486
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,620
2,163
2,564
2,171
2,310
2,228
2,176
2,122
2,176
2,026
2,087
2,165
2,280
2,133
2,228
1,923
- -
Depreciation Expense
2,819
2,359
2,471
4,587
5,972
6,464
3,701
3,037
1,083
1,223
1,760
4,233
2,095
2,195
4,103
6,670
2,195
Net Income, GAAP
11.38
25.37
21.84
19.64
11.52
22.25
33.89
36.53
39.37
53.43
19.37
7.35
- -
12.09
6.24
4.85
12.09
Effective Tax Rate (%)
6.88
6.18
6.37
11.45
15.29
16.21
10.13
8.51
3.27
3.72
5.67
13.23
6.55
6.19
11.98
17.08
6.19
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
30,390
20,020
14,420
8,740
1,100
- -
- -
- -
- -
- -
158,000
369,000
128,300
138,300
143,300
166,300
138,300
LT Debt
44,888
83,143
93,633
98,087
110,228
109,545
105,677
109,448
110,460
105,302
112,309
104,097
91,015
97,144
91,745
105,850
97,144
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.6
5.28
4.46
7.84
9.49
9.46
5.08
4.01
1.4
1.57
2.22
5.17
2.48
2.54
4.61
7.09
4.49
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'24
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
82
82
82
Market Capitalization
21,923
20,440
24,890

Working Capital

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
369,694
371,554
351,605
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.04%
-0.67%
15.37%
Free Cash Flow
-190.13%
-68.54%
485.35%
Net Income, GAAP
17.61%
48.85%
62.56%
Sales/Revenue/Turnover
0.03%
4.9%
13.97%
Total Cash Common Dividend
- -
- -
-0.72%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8,372
9,557
8,124
9,433
35,486
2025
- -
- -
- -
- -
34,259
2026
- -
- -
- -
- -
39,046

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12.39
- -
- -
- -
26.66
2025
- -
- -
- -
- -
49.83
2026
- -
- -
- -
- -
80.95

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
5.04
2025
- -
- -
- -
- -
5.08
2026
- -
- -
- -
- -
5.04
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Business
Tsukuba Bank, Ltd. (8338.T) operates as a regional bank in Japan, primarily providing banking, credit guarantee, and related financial services centered in Ibaraki Prefecture. The Banking segment offers deposit products including current and savings accounts, loan products such as personal, corporate, housing, microfinance, auto, and education loans; domestic and foreign exchange services; card loans; internet banking; and electronic payment systems. The Credit Guarantee and Credit Contract segment provides personal loan guarantees, real estate collateral evaluation, and research services, while the Others segment encompasses cash arrangement, system contracts, consulting, and asset management offerings including investment trusts and insurance agency services. Headquartered in Tsukuba, Ibaraki Prefecture, the bank was incorporated in 1952 and maintains a network of branches primarily across Ibaraki Prefecture with operations focused on Japan. In recent developments, Tsukuba Bank launched campaigns including the "Tsukuba NISA Future Nurturing Campaign" on November 21, 2025, interest rate discount promotions for microfinance, auto, education, and free loans on November 7, 2025, and internet banking contract incentives; it also introduced the "Penri" online relocation service integration on November 17, 2025, and renewed its electronic payment service interface on November 12, 2025. The bank marked its 15th anniversary with the third "Future Connecting Fixed Deposit Campaign" on October 3, 2025, accepted SDG private placement bonds "Regional Future Support Bonds" on December 3, 2025, and renewed its website on November 27, 2025 alongside updates to safe deposit box regulations. These initiatives reflect ongoing enhancements in digital services, customer promotions, and sustainable financing amid a strategic focus on corporate value improvement as outlined in its 2024 annual report.