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Finance

The Toho Bank, Ltd.

Business Summary

The Toho Bank, Ltd. engages in the commercial banking business. It operates through the Banking and Others segments. The Banking segment deals with savings, lending, and foreign exchange services. The Others segment covers leasing, credit card, and credit guarantee operations. The company was founded on November 4, 1941 and is headquartered in Fukushima, Japan.

Financial Highlights

Mar 2020 JPYUSD
Revenue62,376M573.70M
Gross Profit----
Operating income4,588M42.19M
Income before tax3,968M36.49M
Net income2,727M25.08M
EBITDA----
Diluted EPS10.810.09
Dividends Per Share60.05
Total Assets6,020.75B55,770.94M
Total liabilities5,829.76B54,001.82M
Total equity190,985M1,769.11M
Operating cash flow-5,695M-52.37M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 72,214M 67,547M 68,180M 70,940M 62,376M
Gross Profit -- -- -- -- --
Operating income 15,974M 8,890M 9,724M 5,726M 4,588M
Income before tax 24,381M 10,397M 10,770M 5,596M 3,968M
Net income 18,233M 7,077M 7,339M 3,585M 2,727M
EBITDA -- -- -- -- --
Diluted EPS 72.48 28.07 29.11 14.22 10.81
Dividends Per Share 8.50 8 8 8 6
Total Assets 5,864.69B 6,023.28B 6,027.15B 5,910.15B 6,020.75B
Total liabilities 5,666.42B 5,827.12B 5,827.18B 5,715.02B 5,829.76B
Total equity 198,279M 196,159M 199,968M 195,127M 190,985M
Operating cash flow 5,647M -16,981M -20,615M -8,471M -5,695M
 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 601.36M 623.77M 615.16M 639.70M 573.70M
Gross Profit -- -- -- -- --
Operating income 133.02M 82.09M 87.73M 51.63M 42.19M
Income before tax 203.03M 96.01M 97.17M 50.46M 36.49M
Net income 151.83M 65.35M 66.21M 32.32M 25.08M
EBITDA -- -- -- -- --
Diluted EPS 0.60 0.25 0.26 0.12 0.09
Dividends Per Share 0.07 0.07 0.07 0.07 0.05
Total Assets 52,179.35M 54,054.40M 56,672.80M 53,396.15M 55,770.94M
Total liabilities 50,415.23M 52,294.02M 54,792.52M 51,633.25M 54,001.82M
Total equity 1,764.12M 1,760.37M 1,880.28M 1,762.90M 1,769.11M
Operating cash flow 47.02M -156.81M -186.00M -76.38M -52.37M

Valuation Measures

Mar 2020
PER24.95
ROA0.04%
ROE1.41%
Operating margin7.35%
Profit margin4.37%

Key executives

  • President & Representative Director: Minoru Sato
  • MD, Senior Manager-Compliance & Risk: Michio Sakai
  • Senior Managing Representative Director: Seiji Takeuchi
  • Managing Director & Manager-Iwaki Sales: Takayuki Ishii
  • Managing Director & Manager-Personnel: Kiichi Yokoyama

Shareholders

  • Toho Bank Employee Stock Ownership Plan (4.0%)
  • Meiji Yasuda Life Insurance Co. (3.9%)
  • Nippon Life Insurance Co. (3.9%)
  • Fukushima Shoji KK (Fukushima) (3.3%)
  • Dimensional Fund Advisors LP (3.1%)
  • Nomura Asset Management Co., Ltd. (2.0%)
  • The Vanguard Group, Inc. (1.9%)
  • Nitto Boseki Co., Ltd. (1.8%)
  • Tohoku Electric Power Co., Inc. (1.8%)
  • Norges Bank Investment Management (1.3%)

Contact Details

Related Companies

  • Toho Credit Service KK
  • Toho Information System Co., Ltd.
  • Toho Shinyo Hosho KK
  • Toho Bank Employee Incentive Plan
  • Toho Lease Co., Ltd.
  • Toho Card Co., Ltd.
  • Toho Bank Employee Stock Ownership Plan

Competitors

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