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    Banks - Regional
The Toho Bank, Ltd.

The Toho Bank, Ltd.

8346.T
The Toho Bank, Ltd.JP flagTokyo Stock Exchange
835.00
JPY
+19.00
- -
208.66BMarket Cap
The Toho Bank, Ltd.
8346.T
(Tokyo Stock Exchange)

Recent

price

835.00

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
209.41
201.35
209.07
214.82
220.78
264.64
246.55
247.76
257.04
227.36
208.81
217.33
209.91
211.87
238.46
- -
107.61
Revenue per Share
18.02
18.66
25.06
36.27
39.37
72.48
28.08
29.12
14.22
10.82
-18.5
26.79
17.83
20.82
29.78
- -
7.74
Basic EPS, GAAP
472.54
556.31
2,352.02
3,031.62
2,062.32
-1,076.19
-653.19
-149.08
-1,661.25
-706.28
3,383.13
1,967.94
-3,046.95
433.35
-847.32
- -
- -
Free Cash Flow per Basic Share
6.77
6.49
6.99
6.78
7.75
8.28
8.5
8
8
8
5
5
7.5
7
7.52
- -
- -
Dividend per Share
491.75
503.3
518.51
548.87
582.55
647.74
666.52
688.44
694.92
698.14
676.87
697.16
708.89
721.89
751.07
- -
739.9
Book Value per Share
541.56
568.4
633.79
654.56
730.84
779.32
769.23
783.46
761.77
736.23
733.31
728.38
709.01
764.42
739.3
- -
774.81
Tangible Book Value per Share
253
253
255
252
252
252
252
252
252
252
252
252
252
252
250
- -
251
Basic Weighted Avg Shares
52,891
50,946
53,209
54,240
55,633
66,571
62,146
62,451
64,789
57,308
52,631
54,779
52,908
53,445
59,614
69,452
27,029
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,216
2,018
2,743
2,777
2,632
2,868
2,806
2,397
2,624
2,678
2,528
2,290
2,454
2,956
4,352
4,622
- -
Depreciation Expense
4,552
4,722
6,378
9,157
9,921
18,233
7,077
7,339
3,585
2,727
-4,664
6,753
4,493
5,252
7,445
12,353
1,943
Net Income, GAAP
39.51
52.34
40.53
36.46
40.91
25.22
31.92
31.85
35.94
31.28
- -
30.54
36.39
34.3
30.45
26.97
33.79
Effective Tax Rate (%)
8.61
9.27
11.99
16.88
17.83
27.39
11.39
11.75
5.53
4.76
-8.86
12.33
8.49
9.83
12.49
17.79
7.19
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
17,981
26,104
31,460
48,938
81,962
78,941
57,961
40,955
5,370
3,775
426,807
690,052
182,466
198,943
222,053
243,530
154,853
LT Debt
138,970
147,140
164,271
167,818
186,289
198,278
196,159
199,967
195,127
190,985
191,386
192,740
191,013
206,179
197,235
217,746
207,299
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.71
3.75
4.92
6.77
6.95
11.77
4.28
4.3
2.06
1.55
-2.69
3.9
2.54
2.91
4.03
6.42
1.06
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
252
- -
250
Market Capitalization
90,740
82,885
65,806

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,795,566
- -
1,681,121
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
1.04%
2.76%
10.4%
Free Cash Flow
-49.88%
-152.06%
-55.61%
Net Income, GAAP
-55.73%
-30.74%
65.92%
Sales/Revenue/Turnover
0.76%
5.94%
16.5%
Total Cash Common Dividend
- -
- -
59.33%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,468
12,948
13,416
13,613
53,445
2025
- -
- -
- -
- -
59,614
2026
- -
- -
- -
- -
69,452

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.86
- -
- -
- -
20.82
2025
- -
- -
- -
- -
29.78
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
7
2025
- -
- -
- -
- -
7.52
2026
- -
- -
- -
- -
- -
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Business
The Toho Bank, Ltd. (8346.T) operates as a regional commercial bank primarily serving Fukushima Prefecture and the Tohoku region of Japan, offering a comprehensive suite of banking products and services to individual and corporate customers; these include ordinary and fixed deposits, foreign currency-denominated deposits, IC cash cards, debit and credit cards, housing loans, auto loans, education loans, card loans, single and level premium whole life insurance, medical and cancer insurance, personal pension and educational insurance, mortgage loan fire insurance, income guarantee insurance, government bonds for individuals, medium- and long-term government bonds, individual defined contribution pensions, national pension funds, inheritance and trust services, overseas remittance, business support services, automatic savings via finbee, mobile banking, securities trading, asset management through WealthNavi, insurance consulting, leasing, credit guarantees, fund management, and management consulting encompassing business succession, mergers and acquisitions, initial public offerings, and corporate pension systems. Founded in 1941 through the merger of predecessor banks including Koriyama Commercial Bank, Aizu Bank, and Shirakawa Seya Bank, with headquarters at 3-25 O-machi, Fukushima City, the bank maintains approximately 122 branches focused on deposit-taking, lending, foreign exchange, and related financial intermediation. Recent developments feature the completion of its transition to the TSUBASA Core Banking System alliance for enhanced digital operations in January 2024, adoption of the Foundation Internal Ratings Based Approach for credit risk measurement in March 2024, a comprehensive business alliance with Nomura Securities in August 2023 for financial products intermediation and asset management advancement, establishment of subsidiary Toho Consulting Partners in October 2022 for M&A and business succession consulting, and the launch of TX PLAN 2030 long-term management plan emphasizing value co-creation through 10 regional targets including personnel support, decarbonization financing, and financial literacy.