1. Japan Stocks

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    Finance

  3. •

    Major banks
Toho Bank, Ltd.

Toho Bank, Ltd.

TTSE:8346
947.00
JPY
-60.00
(-5.96%)
161.43BMarket Cap
Nov 06Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
214.82
220.78
264.64
246.55
247.76
257.04
227.36
208.81
217.33
209.91
211.87
238.46
278
- -
Basic EPS, GAAP
36.27
39.37
72.48
28.08
29.12
14.22
10.82
-18.5
26.79
17.83
20.82
29.78
49.45
- -
Free Cash Flow per Basic Share
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
-376.4
- -
Dividend per Share
6.78
7.75
8.28
8.5
8
8
8
5
5
7.5
7
7.52
12
- -
Book Value per Share
665.09
739.29
786.61
778.22
793.34
774.14
757.7
759.3
764.67
757.82
817.31
789.87
871.38
871.38
Tangible Book Value per Share
654.99
730.84
777.74
769.23
783.46
761.77
736.22
733.31
728.38
709.01
764.4
740.17
826.44
826.44
Basic Weighted Avg Shares
252
252
252
252
252
252
252
252
252
252
252
250
250
250
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
- -
Net Income, GAAP
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
- -
Effective Tax Rate (%)
36.46
40.91
25.22
31.92
31.85
35.94
31.28
- -
30.54
36.39
34.3
30.45
26.97
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
243,530
Total Equity
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
217,746
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.44
4.09
6.69
2.66
2.97
1.62
1.38
- -
0.9
0.72
1.35
1.81
2.81
- -
Return on Common Equity (%)
5.52
5.61
9.48
3.59
3.71
1.81
1.41
-2.44
3.52
2.34
2.64
3.69
5.95
- -

Capital Structure

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
250
250
250
Market Capitalization
82,652
116,198
161,427

Working Capital

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
1,056,154
946,713
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

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

JPY

•

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

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.86
5.27
8.81
-1.11
20.82
2025
- -
- -
- -
- -
29.78
2026
- -
- -
- -
- -
49.45

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
7
2025
- -
- -
- -
- -
7.52
2026
- -
- -
- -
- -
12

Company Description

Company Profile APIChatGPT
CEO
Minoru Sato
Full Time Employees
2,037
Sector
Finance
Industry
Major banks
Address
3-25, Ohmachi Fukushima FS Japan 960-8633
IPO Date
Apr 2, 1973
Website
tohobank.co.jp
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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.