The Tochigi Bank, Ltd.

TSE

8550

Stock

Yield per half year: +39.77%
Dividend yield: 3.36%

Reporting The Tochigi Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								25.57
Выручка, млрд ¥	41.3	39.06	38.18	36.06	37.52	41.19	40.93	40.93	38.78	1.40
Чистая прибыль, млрд ¥	4.49	1.43	1.82	2.08	3.63	2.65	2.1	2.1	2.46	2.90
EV, млрд ¥	-389.52	-346.42	-366.34	-506.1	-558.09	-502.86	-547.91	-547.91	-496.2600	8.38
EBIT, млрд ¥	7.08	3.18	4.33	4.31	4.45	4.18	3.36	3.36	4.13	-4.95
EBITDA, млрд ¥	8.7	4.8	5.88	5.53	5.67	5.29	4.44	4.44	5.36	-5.46
OIBDA, млрд ¥			6.13	6.09	5.04	5.6	8.29	8.29	6.23	6.22
Баланс стоимость, млрд ¥	161.57	163.48	153.95	167.16	161.29	153.41	150.2	150.2	157.20	-0.49
FCF, млрд ¥	-7.3	-13.87	21.43	316.46	278.43	-292.2	-2.11	-2.11	64.40	-162.90
Операционный денежный поток, млрд ¥	-4.82	-12.74	22.41	317.9	279.58	-290.9	1.1	1.1	66.02	-45.27
Операционная прибыль, млрд ¥	6.88	3.52	4.33	4.31	3	2.96	5.95	5.95	4.11	6.56
Операционные расходы, млрд ¥	32.17	34.65	31.57	29.57	30.85	35.34	34.97	34.97	32.46	2.07
CAPEX, млрд ¥	2.48	1.13	0.973	1.44	1.16	1.3	2.45	2.45	1.46	20.28

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			10.61	10.44	1 327.03	9.18	9.93	11.49	9.01	10.61	7.29	11.3	9.94	-0.33
Чистая прибыль, млрд ¥			1.6	1.7	-148.95	0.563	1.28	-0.328	0.586	1.05	0.42	2.32	0.8096	-247.88
EV, млрд ¥			-497.36	-487.17	-79 055.3	-625.52	-583.99	-589.77	-513.78	-625.28	-563.79	-667.79	-592.0820	2.52
EBIT, млрд ¥	0.393	0.607	1.81	2.51	-172.67	1.2	1.86	-0.203	0.501	1.73			1.02	7.59
EBITDA, млрд ¥		0.635	1.83	2.53	-127.58	1.45	2.14	0.066	0.776	2.07		1.75	1.36	-3.94
OIBDA, млрд ¥								0.17	0.865	5.94		5.11	3.02	134.15
Баланс стоимость, млрд ¥			148.29	144.03	24 104.19	154.44	147.09	147.75	150.2	149.24	150.14	150.38	149.54	0.35
FCF, млрд ¥				85.96	0.574	0.508	0.56	0.538					17.63	-63.75
Операционный денежный поток, млрд ¥			-263.52	85.96	0.574	0.508	0.56	0.538					17.63	-63.75
Операционная прибыль, млрд ¥			1.83	2.53	-127.58	1.16	1.84	-0.224	0.675	4.92	1.59	5.67	2.53	-290.84
Операционные расходы, млрд ¥			8.75	7.92	1 231.97	7.98	7.67	11.39	7.05	5.69	5.7	5.62	7.09	-13.18
CAPEX, млрд ¥			0.744		1.3								1.02	32.19

	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 ¥	439.29	375.02	383.95	658.86	895.52	572.44	585.71	585.71	619.30	8.81
Short Term Investments ¥							605.76	605.76	605.76	0.00
Total Current Assets ¥		2 338.16	383.95	658.86	895.52	572.44	585.71	585.71	619.30	8.81
Чистые активы, млрд ¥	2 367.65	2 338.16	383.95	658.86	20.43	19.66		19.66	684.21	-61.55
Активы, млрд ¥	2 870.4	2 892.33	2 924.72	3 261.13	3 516.99	3 279.15	3 314.54	3 314.54	3259.31	2.53
Short Term Debt ¥			2.17	131.98	313.01	41.05	33.25	33.25	104.29	72.61
Long Term Debt ¥		4.03		132.8	313.85	41.75		41.75	123.11	79.41
Задолженность, млрд ¥	2 703.52	2 723.2	2.96	132.73	3 354.33	41.75	3 162.78	3 162.78	1338.91	303.42
Чистый долг, млрд ¥	-432.37	-370.99	-380.99	-526.13	-581.72	-530.7	-585.71	-585.71	-521.0500	8.98
Долг, млрд ¥	6.92	4.03	2.96	132.73	626.86	82.8	34.13	34.13	175.90	63.07
Расходы на обслуживание долга ¥		0.577	0.501	0.41	0.239	0.148	0.115	0.115	0.2826	-25.50
Чист. проц. доходы, млрд ¥	27.94	25.73	26.59	26.38	25.61	29.16	28.48	29.16	27.24	1.38
Амортизация, млрд ¥		1.62	1.54	1.22	1.22	1.11	1.08	1.08	1.23	-6.85
Себестоимость, млрд ¥							-0.216	-0.216	-0.2160	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				566.49	561.18	89 942.02	681.22	652.62	655.84	585.71	699.03	626.16	730.97	659.54	2.19
Total Current Assets ¥				566.49	561.18	89 942.02	681.22	652.62	655.84	589.67	699.03	626.16	730.97	660.33	2.19
Чистые активы, млрд ¥	2 975.08	895.52	613.18	566.49	561.18	3 088.97	19.9							969.94	-49.62
Активы, млрд ¥				3 301.83	3 328.01	515 219.21	3 357.38	3 314.93	3 358.78	3 314.54	3 441.17	3 359.57	3 546.42	3404.10	1.09
Short Term Debt ¥						6 449.13			0.985	33.25				2161.12	-82.72
Long Term Debt ¥					41.92	6 559.59	30.23							2210.58	-10.32
Задолженность, млрд ¥				3 152.15	3 182.56	6 559.43	30.23	33.84	34.27	3 162.78	3 290.37	3 207.85	3 394.44	2617.94	150.71
Чистый долг, млрд ¥				-525.06	-519.26	-83 382.59	-650.99	-618.79	-621.57	-551.58	-663.91	-591.88	-697.23	-625.2340	2.32
Долг, млрд ¥				41.44	41.92	6 559.43	30.23	33.84	34.27	34.13	35.11	34.29	33.74	34.31	-0.31
Расходы на обслуживание долга ¥		0.043	0.041	0.037	0.036	5.34	0.033	0.031	0.027	0.024	0.036			0.0302	1.76
Чист. проц. доходы, млрд ¥	6.7	5.94	9.22	6.46	7.31	969.74	1 012.95	1 011.69	1 402.45	6.67				880.70	-63.06
Амортизация, млрд ¥			0.028	0.022	0.02	45.09	0.254	0.28	0.269	0.275	0.343			0.2842	6.19
Себестоимость, млрд ¥										-0.749	1.39			0.3205	-236.23

	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	42.97	13.64	17.41	19.85	34.55	25.53	20.29		20.29	23.53	3.11
Цена акции ао					312	310	284	369	369	318.75	4.28
Число акций ао, млн		104.55	104.65	104.84	105.02	103.88	103.56		103.56	104.39	-0.21
FCF/акцию	-69.85	-132.65	204.8	3018.59	2651.24	-2812.84	-20.36		-20.36	608.29	-163.02

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	15.28	16.28	-1438.58	5.44	12.36	-3.17	5.66	10.14	4.05	22.36			7.81	-247.80
Цена акции ао											325	369	347.00	6.55
FCF/акцию			5.54	4.91	5.41	5.19							5.26	-1.62

	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, %	2.8	0.8774	1.15	1.3	2.21	1.69	1.38		1.38	8.26	1.55	3.71
ROA, %	0.1571	0.0495	0.0626	0.0673	0.1071	0.078	0.0637		0.0637	4.23	0.0757	0.35
ROIC, %			1.49	0.6026	0.54	1.39			1.39	7.01	1.01	-1.72
ROS, %			4.77	5.77	9.67	6.44	5.13	5.13	5.13	9.08	6.43	-2.32
ROCE, %	3.74	1.7	2.35	1.34	0.3844	0.3804	0.3164	2.21	2.21	8.01	0.9262	10.52
Ebit margin, %			10.78	11.85	11.85	10.14	8.21	8.21	8.21		10.05	-7.08
Рентаб EBITDA, %	21.06	12.29	15.39	15.32	15.1	12.84	10.84	10.84	10.84	17.49	12.99	-6.68
Чистая рентаб, %	10.87	3.65	4.77	5.77	9.67	6.44	5.13		5.13	9.08	6.36	1.47
Operation Margin, %			5.99	7.42	7.99	7.19	14.54	14.54	14.54	13.35	10.34	14.40

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		0.996	1.1	-0.6308	0.3762	0.854	-0.2184	0.39	0.7037	0.282	1.55		8.26	0.5415	-247.98
ROA, %		0.0481	0.0513	-0.0287	0.017	0.0384	-0.0098	0.0176	0.0311	0.0124	0.0671		4.23	0.0237	-246.93
ROS, %					6.14	12.89	-2.85	6.51	9.9	5.76	20.52	5.13	9.08	9.56	-4.65
ROCE, %	0.1518	0.4907	0.2333	-0.0951	0.1056	0.1672	-0.0184	0.0462	0.104			2.21	8.01	0.5018	67.58
Ebit margin, %					13.04	18.76	-1.77	5.56	16.28			8.21		9.41	-15.23
Рентаб EBITDA, %		17.29	24.25	-9.61	15.81	21.57	0.5742	8.61	19.52		15.49	10.84	17.49	11.01	79.97
Чистая рентаб, %		15.05	16.31	-11.22	6.14	12.89	-2.85	6.51	9.9	5.76	20.52		9.08	7.97	-248.41
Operation Margin, %					12.61	18.5	-1.95	7.49	46.36	21.87	50.23	14.54	13.35	28.10	14.19

	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	9.54	17.23	8.04	9.62	6.51	10.5	17.99		17.99	130.72	10.53	17.48
P/BV	0.2567	0.1453	0.005	0.0064	0.1453	0.0086	0.2491		0.2491	113.68	0.0829	118.51
P/S	1.04	0.629	0.3838	0.5552	0.6297	0.676	0.9236		0.9236	113.74	0.6337	19.20
P/FCF						-0.0875	-12.13	-12.13	-12.13	9.42	-8.1158	417.55
E/P						0.1036	0.0822	0.0822	0.0822	0.76	0.0893	-7.42
EV/EBIT			-89	-118.41	-125.47	-120.42	-163.16	-163.16	-163.16		-138.1240	6.62
EV/EBITDA	-44.78	-72.19	-62.36	-91.6	-98.48	-95.09	-123.51		-123.51	139.23	-94.2080	14.65
EV/S			-9.6	-14.03	-14.87	-12.21	-13.39	-13.39	-13.39	113.17	-13.5780	-0.93
EV/FCF			-17.09	-1.6	-2	1.72	259.92	259.92	259.92	126.10	103.59	-376.79
Debt/EBITDA	0.796	0.84	0.5037	24.02	110.62	15.66	7.69	7.69	7.69	-5.25	33.14	-20.37
Netdebt/Ebitda			-99.45	-135.08	-102.65	-100.36	-132.03	-132.03	-132.03	22.46	-120.4300	-0.46
Debt/Ratio			0.001	0.0812	0.1782	0.0252	0.0103	0.0103	0.0103	0.16	0.0610	-33.83
Debt/Equity			0.0192	1.58	3.89	0.5397	0.2272	20.84	20.84	0.91	5.42	67.51
Debt/Net Income			1.62	127.24	172.78	31.22	16.24	16.24	16.24	21.00	72.74	-33.75
PEG								-0.11	-0.11		-0.1100	0.00
Бета						0.7986	0.1912	-3.1	-3.1	-0.09	-0.7034	-257.16
Индекс Альтмана						0.0057	0.0056	0.008	0.008	7.65	0.0064	11.96

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	6.49	12.28	8.22	8.18		8.77	13.41		17.99	14.93	16.25	6.73			130.72	13.86	-12.88
P/BV			0.185	0.2206	0.0085	0.0077	0.0106	0.0096	0.2491	0.2562	0.1851	0.1937			113.68	0.1787	82.38
P/S			0.6811	0.7723	0.6715	0.6598	0.9163	0.8141	0.9543	0.9413	0.7311	0.7704			113.74	0.8422	-1.10
P/FCF														-12.13	9.42	-12.1300	0.00
E/P														0.0822	0.76	0.0822	0.00
EV/EBIT						-522.58	-313.47	2905.29	-1025.5	-362.06				-163.16		208.22	-12.24
EV/EBITDA		-197.49	-141.22	-90.82	-123.5	-106.93	-99.2	-186.28	-115.82	-123.7		-145.3			139.23	-134.0600	7.93
EV/S						-68.17	-58.79	-51.31	-57.04	-58.96	-77.35	-59.12		-13.39	113.17	-53.1720	-25.16
EV/FCF						-1231.34	-1042.84	-1096.23						259.92	126.10	-777.6225	-167.78
Debt/EBITDA		131.18	22.59	16.56		20.83	15.79	519.27	43.98	16.96		19.28		7.69	-5.25	121.44	-56.94
Netdebt/Ebitda						-448.65	-288.75	-9417.74	-710.8	-320.73		-398.42		-132.03	22.46	-2195.9440	-57.41
Debt/Ratio						0.009	0.0102	0.0102	0.0103	0.0102	0.0102	0.0095		0.0103	0.16	0.0101	0.00
Debt/Equity						0.1958	0.23	0.232	0.2272	0.2353	0.2284	0.2244		20.84	0.91	4.35	146.89
Debt/Net Income						53.7	26.43	-104.49	58.23	33.44	81.63	14.56		16.24	21.00	40.82	-22.54
PEG														-0.11		-0.1100	0.00
Бета													-4.05	-3.1	-0.09	-3.5750	-12.51
Индекс Альтмана													0.0074	0.008	7.65	0.0077	3.98

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	0.884	0.885	0.573	0.521	0.522	0.628	0.63			0.63		0.5748	1.91
Дивиденд	8.5	8.5	5.5	5	1.8	6	6	6.5	3.5	7		4.76	14.22
Див доход, ао, %	1.77	2.88	2.39	2.67	1.37	3.1	2.8	3.52	3.21	3.36	4.18	2.80	18.57
Дивиденды / прибыль, %		19.69	62.06	31.45	25.04	14.39	23.68	29.99		29.99	39.75	24.91	-0.95
Dividend Coverage Ratio									3.33	3.33		3.33	0.00

	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.313	0.628			0.4705	41.65
Дивиденды / прибыль, %	19.6			39.75	19.60	0.00
Dividend Coverage Ratio			3.33		3.33	0.00

	Industry average	5 quarters average	CAGR 5

Pay for your subscription

More functionality and data for company and portfolio analysis is available by subscription

Subscribe

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	2.55	4	3.09	3.16	6	6	18.66
Персонал, чел				1 635	1 634		-0.03

	CAGR 5

	CAGR 5