The Tochigi Bank, Ltd.

TSE:8550 Stock Report

Market Cap: JP¥29.0b

Tochigi Bank Past Earnings Performance

Past criteria checks 2/6

Tochigi Bank has been growing earnings at an average annual rate of 2%, while the Banks industry saw earnings growing at 7.3% annually. Revenues have been growing at an average rate of 2.1% per year. Tochigi Bank's return on equity is 1.2%, and it has net margins of 4.6%.

Key information

2.0%

Earnings growth rate

2.2%

EPS growth rate

Banks Industry Growth4.1%
Revenue growth rate2.1%
Return on equity1.2%
Net Margin4.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Tochigi Bank (TSE:8550) Will Pay A Dividend Of ¥3.00

Mar 03
Tochigi Bank (TSE:8550) Will Pay A Dividend Of ¥3.00

Revenue & Expenses Breakdown

How Tochigi Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

TSE:8550 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2437,4511,72823,3870
30 Jun 2443,5322,58823,6230
31 Mar 2439,2732,10123,8610
31 Dec 2338,67756723,5600
30 Sep 2338,9242,59723,3410
30 Jun 2338,9072,91423,3060
31 Mar 2341,5792,65223,1680
31 Dec 2243,0623,92423,4710
30 Sep 2241,1803,36823,5670
30 Jun 2240,3402,20223,7640
31 Mar 2238,7423,62824,0380
31 Dec 2138,8413,52924,2330
30 Sep 2139,0253,38124,6650
30 Jun 2137,4152,68024,9990
31 Mar 2136,3372,08125,0410
31 Dec 2036,5002,45825,3890
30 Sep 2035,4641,82024,9920
30 Jun 2036,6182,26625,0720
31 Mar 2036,5181,82225,4180
31 Dec 1937,4762,88325,1800
30 Sep 1938,48371525,5250
30 Jun 1938,9321,53625,6910
31 Mar 1939,2331,42625,9320
31 Dec 1839,11847426,5860
30 Sep 1839,4944,30926,7870
30 Jun 1840,1514,36027,0130
31 Mar 1839,9494,49026,9910
31 Dec 1741,1366,28026,6380
30 Sep 1741,9045,46926,6740
30 Jun 1743,3594,64826,3770
31 Mar 1747,9377,65226,3020
31 Dec 1649,5007,78626,3700
30 Sep 1649,6298,06426,3660
30 Jun 1653,54712,05026,2140
31 Mar 1653,29811,20326,1190
31 Dec 1555,30312,53525,6180
30 Sep 1559,85014,63325,7980
30 Jun 1557,41513,52426,0710
31 Mar 1555,00112,28526,0910
31 Dec 1451,18110,38426,3450
30 Sep 1446,5358,28626,3140
30 Jun 1445,1996,88126,3120
31 Mar 1447,1908,14226,4560
31 Dec 1346,0106,91026,8210

Quality Earnings: 8550 has high quality earnings.

Growing Profit Margin: 8550's current net profit margins (4.6%) are lower than last year (6.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 8550's earnings have grown by 2% per year over the past 5 years.

Accelerating Growth: 8550's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 8550 had negative earnings growth (-33.5%) over the past year, making it difficult to compare to the Banks industry average (22.6%).

Return on Equity

High ROE: 8550's Return on Equity (1.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 12:40
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Tochigi Bank, Ltd. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Pooja DabasVirtua Research Inc.