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The Tochigi Bank, Ltd. (8550.T)
Utsunomiya, JP
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 accounts, alongside specialized offerings such as time deposits, foreign currency time deposits, property accumulation deposits, and WEB accounts. For its clientele, the bank extends various lending solutions, including mortgage, remodeling, school, housing, car, and bank card loans. Furthermore, it offers asset management services, insurance policies, and pension products. As of March 31, 2021, The Tochigi Bank operated through 86 offices, 6 loan plazas, and a network of 335 ATMs situated in 199 different locations. Founded in 1942, the institution was formerly known as Tochigi Mutual Bank Co., Ltd. before changing its name to The Tochigi Bank, Ltd. in 1989. It is headquartered in Utsunomiya, Japan.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.28% | -3.55% | -9.31% | -3.85% | +50.65% | +24.33% | +167.34% | +274.49% | +413.89% | +130.10% | +33.86% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+27.5% Q1'26: +154.6% (vs Q1'25)
-
EPS growth+137.0% Q1'26: +104.7% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +8.5% (vs Q1'25)
-
ROIC— Q1'26: -1.9% (vs Q1'25)
-
Share dilution+0.3% Q1'26: +0.6% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 9.12× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2015 actual |
|---|---|
| Revenue |
50.63B
est: 49.33B (+2.6%)
|
| EBITDA |
22.62B
est: -141.95M (+16,031.9%)
|
| EBIT |
20.90B
est: -1.65B (+1,365.1%)
|
| Net Income |
12.29B
est: 3.52B (+248.8%)
|
| SGA |
26.09B
est: 29.87B (-12.7%)
|
| EPS |
108.31
est: 33.98 (+218.7%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B- | 3/5 | 1/5 | 2/5 | 2/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-14 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-13 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-12 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-11 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-08 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-07 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-05-01 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-30 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-28 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-27 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-24 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-23 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-22 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-21 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-20 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-17 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.07% | 275.8K | 0.58% |
| 2 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.07% | 224.7K | 0.31% |
| 3 | Dimensional - International Small Cap ETF DFIS | 0.05% | 2.78M | 0.39% |
| 4 | Avantis International Small Cap Equity ETF AVDS | 0.03% | 94.4K | 0.30% |
| 5 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 1.17M | 0.06% |
| 6 | Dimensional - International Vector Equity ETF DXIV | 0.01% | 25.7K | 0.53% |
| 7 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 1.91M | 0.06% |
| 8 | iShares Core TOPIX ETF 1475.T | 0.01% | 1.67M | 0.05% |
| 9 | Amundi Japan TOPIX II UCITS ETF EUR Hedged Dist JPNH.PA | 0.01% | 65.1K | 0.45% |
| 10 | Amundi Japan TOPIX II UCITS ETF EUR Dist JPNU.L | 0.01% | 64.1K | 0.45% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hino Rika | IR contact | — | female |
| Hiroyuki Nakada | President, Chief Executive Officer & Representative Director | — | male |
| Shigenobu Ohashi | Utsunomiya Higashi Branch Manager & Director | — | male |
| Takashi Ogiwara | MD & Director | — | male |
| Yoshimori Tomikawa | Senior MD & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8550.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
