The Tohoku Bank, Ltd.

TSE

8349

Stock

Yield per half year: -6.28%
Dividend yield: 6.74%

Reporting The Tohoku Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								9.59
Выручка, млрд ¥	14.53	12.79	12.73	12.64	13.02	12.69	13.24	13.24	12.86	0.79
Чистая прибыль, млрд ¥	0.618	0.908	1.11	1.15	1.34	1.53	1.38	1.38	1.30	4.45
EV, млрд ¥	-29.18	-43.07	-25.34	-74.92	-68.78	-21.4	-27.03	-27.03	-43.4940	1.30
EBIT, млрд ¥	1.07	1.26	1.7	1.81	1.87	2.19	-0.587	-0.587	1.40	-180.84
EBITDA, млрд ¥	1.84	1.88	2.28	2.37	2.41	2.59	-0.135	-0.135	1.90	-156.82
OIBDA, млрд ¥			2.08	2.29	2.41	2.85	2.75	2.75	2.48	5.74
Баланс стоимость, млрд ¥	38.24	39.07	37.98	40.1	39.92	38.74	39.44	39.44	39.24	0.76
FCF, млрд ¥	-34.82	-12.9	-3.65	127.26	10.89	-111.45	24.84	24.84	9.58	-246.75
Операционный денежный поток, млрд ¥	-33.7	-12.39	-3.23	127.67	11.06	-110.9	39.03	39.03	12.73	-264.60
Операционная прибыль, млрд ¥	0.936	1.26	1.7	1.81	1.34	1.78	4.26	4.26	2.18	20.17
Операционные расходы, млрд ¥	13.57	11.42	10.94	10.82	10.55	9.88	8.98	8.98	10.23	-3.87
CAPEX, млрд ¥	1.12	0.504	0.417	0.415	0.169	0.553	0.632	0.632	0.4372	8.67

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			3.17	3.24	477.33	4.15	3.31	3.39	3.46	3.6	2.74	4.51	3.54	5.88
Чистая прибыль, млрд ¥			0.593	0.107	55.31	0.315	0.361	0.268	0.432	0.51	0.138	0.392	0.3480	7.90
EV, млрд ¥			-70.46	-53.98	-4 935.88	-53.67	-55.81	-18.45	-28.68	-50.71	-38.22	-40.59	-35.3300	17.08
EBIT, млрд ¥					71.8	0.368	0.54	0.385	0.585	0.731			0.5218	14.71
EBITDA, млрд ¥	-0.114	0.662	0.804	0.182	88.3	0.467	0.651	0.504	0.708	-0.001			0.4658	-129.25
OIBDA, млрд ¥								0.622	0.973	0.845			0.8133	10.75
Баланс стоимость, млрд ¥			39.61	37.32	6 086.97	39.66	37.58	38.74	39.44	37.77	38.91	37.51	38.47	-0.64
FCF, млрд ¥				29.8	33	0.198	0.222	0.238					12.69	-61.94
Операционный денежный поток, млрд ¥			-75.7	29.8	33	0.198	0.222	0.238					12.69	-61.94
Операционная прибыль, млрд ¥			0.804	0.182	88.3	0.467	0.538	0.386	0.697	1.36	0.534	2.27	1.05	42.52
Операционные расходы, млрд ¥			2.37	2.85	324.92	3.68	2.72	2.63	2.5	2.24	2.2	2.24	2.36	-3.16
CAPEX, млрд ¥			0.163		86.89								43.53	2208.83

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	47.97	58.95	33.82	157.51	167.68	43.69	84.02	84.02	97.34	19.96
Short Term Investments ¥							217.87	217.87	217.87	0.00
Total Current Assets ¥		58.95	33.82	157.51	167.68	43.69	84.02	84.02	97.34	19.96
Чистые активы, млрд ¥	648.71	58.95	33.82	157.51	7.36	6.98		6.98	52.92	-34.74
Активы, млрд ¥	857.78	863.5	866.54	1 021.52	1 026.98	968.13	1 012.7	1 012.7	979.17	3.17
Short Term Debt ¥			0.025	0.025	78.55	8.1	33.33	33.33	24.01	321.68
Long Term Debt ¥		5.94		71.99	79.37	2.91		2.91	40.05	-16.34
Задолженность, млрд ¥	819.54	824.43	0.905	71.98	987.05	8.86	973.26	973.26	408.41	303.94
Чистый долг, млрд ¥	-42.75	-53.01	-32.91	-85.52	-88.32	-40.78	-49.58	-49.58	-59.4220	8.54
Долг, млрд ¥	5.22	5.94	0.905	71.98	157.92	11.02	34.45	34.45	55.26	107.07
Расходы на обслуживание долга ¥		0.125	0.112	0.09	0.037	0.03	0.03	0.03	0.0598	-23.16
Чист. проц. доходы, млрд ¥	10.05	9.48	9.2	9.27	9.28	9.13	9.54	9.13	9.28	0.73
Амортизация, млрд ¥		0.622	0.579	0.563	0.531	0.404	0.452	0.452	0.5058	-4.83
Себестоимость, млрд ¥							-0.513	-0.513	-0.5130	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				82.78	66.74	6 865.18	74.1	76.81	75.06	84.02	102.54	96.54	95.37	90.71	4.91
Total Current Assets ¥				82.78	66.74	6 865.18	74.1	76.81	111.53	107.65	102.54	96.54	95.37	102.73	-3.08
Чистые активы, млрд ¥	857.34	167.68	145.36	82.78	66.74	1 097.01	7.07							279.79	-45.37
Активы, млрд ¥				980.56	994.14	152 112.67	1 007.15	1 025.56	1 028.22	1 012.7	1 028.45	1 027.8	1 033.78	1026.19	0.11
Short Term Debt ¥						1 273.3	18	41.3	33.99	33.33	29.12			31.15	10.10
Long Term Debt ¥					3.11	457.38	0.786							153.76	-36.78
Задолженность, млрд ¥				940.95	956.81	457.38	18.79	0.786	989.48	973.26	990.67	988.89	996.27	987.71	0.14
Чистый долг, млрд ¥				-79.64	-63.63	-6 407.81	-73.31	-76.03	-39.91	-49.58	-72.28	-59.08	-61.33	-56.4360	8.97
Долг, млрд ¥				3.14	3.11	457.38	18.79	0.786	35.15	34.45	30.26	37.46	34.04	34.27	-0.64
Расходы на обслуживание долга ¥		0.006	0.009	0.008	0.007	0.9427	0.008	0.008	0.002	0.007	0.002			0.0054	-24.21
Чист. проц. доходы, млрд ¥	2.45	2.26	2.33	2.2	2.35	352.42	396.41	360.9	384.31	2.27				299.26	-63.54
Амортизация, млрд ¥						16.5	0.099	0.111	0.119	0.123	-0.732			-0.0560	-249.20
Себестоимость, млрд ¥										0.221	0.152			0.1865	-17.07

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	65.24	95.86	117.31	121.27	69.19	77.69	79.22		79.22	92.94	-7.55
Цена акции ао					1018	1175	1160	1071	1071	1106.00	1.28
Число акций ао, млн		9.47	9.47	9.48	19.32	19.64	17.37		17.37	15.06	12.90
FCF/акцию	-3675.39	-1361.7	-384.96	13431.03	563.75	-5674.46	1430.25		1430.25	1873.12	-230.02

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	62.53	11.28	5826.84	16.19	21.68	14.51	26.83	28.56	7.34	21.93			19.83	8.61
Цена акции ао											1158	1071	1114.50	-3.83
FCF/акцию			22.12	10.18	13.33	12.89							14.63	-12.63

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	1.62	2.35	2.88	2.94	3.34	3.88	3.52		3.52	8.26	3.31	4.10
ROA, %	0.0722	0.1055	0.1284	0.1217	0.1305	0.153	0.1389		0.1389	4.23	0.1345	1.58
ROIC, %			4.08	1.45	0.9154	4.02			4.02	7.01	2.62	-0.37
ROS, %			8.73	9.09	10.27	12.02	10.39	10.39	10.39	9.08	10.43	2.71
ROCE, %	2.22	2.5	3.6	1.5	0.4849	0.584	-0.1503	-1.49	-1.49	10.97	0.1857	-199.87
Ebit margin, %			12.54	13.63	14.4	17.25	-4.43	-4.43	-4.43		7.28	-179.87
Рентаб EBITDA, %	12.65	14.71	17.93	18.79	18.47	20.43	-1.02	-1.02	-1.02	17.49	11.13	-155.84
Чистая рентаб, %	4.25	7.1	8.73	9.09	10.27	12.02	10.39		10.39	9.08	10.10	3.54
Operation Margin, %			7.94	9.16	10.29	14.03	32.17	32.17	32.17	13.35	19.56	28.56

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		1.47	0.2701	0.904	0.8116	0.9357	0.6961	1.11	1.32	0.358	1.02		8.26	0.9008	7.94
ROA, %		0.059	0.0108	0.0359	0.0319	0.0355	0.0261	0.0423	0.05	0.0134	0.038		4.23	0.0340	7.80
ROS, %					7.6	10.91	7.91	12.49	14.17	5.04	8.69	10.39	9.08	10.16	-3.61
ROCE, %				0.1156	0.0967	0.144	0.1037	0.1594	0.1402			-1.49	10.97	-0.1885	-259.57
Ebit margin, %					8.87	16.32	11.36	16.92	20.31			-4.43		12.10	-177.04
Рентаб EBITDA, %	20.41	25.34	5.62	18.5	11.26	19.68	14.88	20.47	-0.0278			-1.02	17.49	10.80	-155.32
Чистая рентаб, %		18.69	3.3	11.59	7.6	10.91	7.91	12.49	14.17	5.04	8.69		9.08	9.66	1.90
Operation Margin, %					11.26	16.26	11.39	20.16	37.68	19.52	50.33	32.17	13.35	31.97	9.80

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	21.97	10.95	6.82	9.23	14.61	12.7	16.38		16.38	130.72	11.95	19.15
P/BV	0.355	0.2546	0.0088	0.0112	0.4894	0.0202	0.5717		0.5717	113.68	0.2203	130.43
P/S	0.9341	0.7779	0.5954	0.8391	1.5	1.53	1.7		1.7	113.74	1.23	23.35
P/FCF						-0.086	0.386	0.386	0.386	9.24	0.2287	-264.95
E/P						0.1591	0.1435	0.1435	0.1435	0.65	0.1487	-3.38
EV/EBIT			-9.77	-38.21	-36.7	-9.77	46.05	46.05	46.05		1.48	-203.80
EV/EBITDA	-15.87	-22.9	-11.1	-31.56	-28.6	-8.25	200.22		200.22	139.23	24.14	-278.34
EV/S			-1.23	-5.21	-5.28	-1.69	-2.04	-2.04	-2.04	113.17	-3.2520	-17.10
EV/FCF			4.28	-0.5171	-6.31	0.192	-1.09	-1.09	-1.09	126.10	-1.7630	16.08
Debt/EBITDA	2.84	3.16	0.3966	30.32	65.66	4.25	-255.15	-255.15	-255.15	-5.25	-82.0140	-253.11
Netdebt/Ebitda			-20.7	-49.69	-36.72	-15.73	367.22	367.22	367.22	22.46	126.46	-249.19
Debt/Ratio			0.001	0.0705	0.1538	0.0114	0.034	0.034	0.034	0.16	0.0607	-13.57
Debt/Equity			0.0238	1.8	3.96	0.2844	0.8734	24.68	24.68	4.48	6.32	68.82
Debt/Net Income			0.8146	62.68	118.11	7.22	25.03	25.03	25.03	21.00	47.61	-16.77
PEG								0.4047	0.4047		0.4047	0.00
Бета						0.5871	0.1123	1.01	1.01	74.82	0.5698	19.82
Индекс Альтмана						-0.0691	-0.053	-0.0511	-0.0511	6.73	-0.0577	-9.57

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			10.27	11.46	6.36	8.32	15.05	12.99	16.38	13.19	14.37	13.7			130.72	14.13	1.07
P/BV			0.2318	0.2584	0.0097	0.0199	0.0197	0.5539	0.5298	0.5711	0.5361	0.5528			113.68	0.5487	-0.04
P/S			0.7264	0.7567	0.8447	0.9715	1.34	1.27	1.6	1.51	1.49	1.42			113.74	1.46	2.26
P/FCF														0.386	9.24	0.3860	0.00
E/P														0.1435	0.65	0.1435	0.00
EV/EBIT						-145.84	-103.35	-47.93	-49.02	-69.37				46.05		-44.7240	-185.07
EV/EBITDA	-41.27	-57.34	-44.9	-35.19	-14.37	-23.31	-27.15	-8.05	-12.31	-27.24					139.23	-19.6120	3.17
EV/S						-12.94	-16.87	-5.45	-8.29	-14.09	-13.97	-9		-2.04	113.17	-9.4780	-24.45
EV/FCF						-271.05	-251.4	-77.53						-1.09	126.10	-150.2675	-74.82
Debt/EBITDA		72.42	3.91	17.09	5.18	40.23	1.21	69.74	48.65	-30256				-255.15	-5.25	-6078.3100	-391.61
Netdebt/Ebitda						-156.99	-116.78	-79.19	-70.02	72283				367.22	22.46	14476.85	-225.75
Debt/Ratio						0.0187	0.000766	0.0342	0.034	0.0294	0.0364	0.0329		0.034	0.16	0.0333	0.00
Debt/Equity						0.4738	0.0209	0.9074	0.8734	0.801	0.9627	0.9076		24.68	4.48	5.64	95.09
Debt/Net Income						59.64	2.18	131.15	79.73	59.33	271.43	86.84		25.03	21.00	104.47	-20.68
PEG														0.4047		0.4047	0.00
Бета													-0.2884	1.01	74.82	0.3608	-287.14
Индекс Альтмана													-0.0511	-0.0511	6.73	-0.0511	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.482	0.476	0.474	0.474	0.474	0.474	0.476			0.476		0.4744	0.08
Дивиденд	27.5	50	50	50	17.9	50	50	50	25	50		38.58	6.91
Див доход, ао, %	1.81	3.72	4.88	4.68	2.59	7.9	6.52	6.67	6.81	6.74	4.18	6.10	21.33
Дивиденды / прибыль, %		77.99	52.42	42.66	41.25	35.45	31.06	34.59		34.59	39.75	37.00	-4.11
Dividend Coverage Ratio									2.89	2.89		2.89	0.00

	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.237	74.47			37.35	1672.62
Дивиденды / прибыль, %	39.97	134.66		39.75	87.31	83.55
Dividend Coverage Ratio			2.89		2.89	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	3.28	3.28	1.3	4.36	4.77	4.77	7.78
Персонал, чел				567	567		0.00

	CAGR 5

	CAGR 5