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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 2022 JPYUSD
Revenue58,678M522.17M
Gross Profit----
Operating income9,858M87.72M
Income before tax9,722M86.51M
Net income6,753M60.09M
EBITDA----
Diluted EPS26.790.23
Dividends Per Share70.06
Total Assets7,135.41B58,788.16M
Total liabilities6,942.67B57,200.19M
Total equity192,740M1,587.97M
Operating cash flow42,747M380.40M
Currency in JPYCurrency in USD

Historical Data

 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 68,180M 70,940M 62,376M 57,040M 58,678M
Gross Profit -- -- -- -- --
Operating income 9,724M 5,726M 4,588M -2,207M 9,858M
Income before tax 10,770M 5,596M 3,968M -6,333M 9,722M
Net income 7,339M 3,585M 2,727M -4,664M 6,753M
EBITDA -- -- -- -- --
Diluted EPS 29.11 14.22 10.81 -18.50 26.79
Dividends Per Share 8 8 6 5 7
Total Assets 6,027.15B 5,910.15B 6,020.75B 6,792.33B 7,135.41B
Total liabilities 5,827.18B 5,715.02B 5,829.76B 6,600.94B 6,942.67B
Total equity 199,968M 195,127M 190,985M 191,386M 192,740M
Operating cash flow -20,615M -8,471M -5,695M 15,026M 42,747M
 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 615.16M 639.70M 573.70M 537.82M 522.17M
Gross Profit -- -- -- -- --
Operating income 87.73M 51.63M 42.19M -20.80M 87.72M
Income before tax 97.17M 50.46M 36.49M -59.71M 86.51M
Net income 66.21M 32.32M 25.08M -43.97M 60.09M
EBITDA -- -- -- -- --
Diluted EPS 0.26 0.12 0.09 -0.17 0.23
Dividends Per Share 0.07 0.07 0.05 0.04 0.06
Total Assets 56,672.80M 53,396.15M 55,770.94M 61,469.11M 58,788.16M
Total liabilities 54,792.52M 51,633.25M 54,001.82M 59,737.09M 57,200.19M
Total equity 1,880.28M 1,762.90M 1,769.11M 1,732.00M 1,587.97M
Operating cash flow -186.00M -76.38M -52.37M 141.67M 380.40M

Valuation Measures

Mar 2022
PER7.65
ROA0.09%
ROE3.51%
Operating margin16.80%
Profit margin11.50%

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 (3.9%)
  • Meiji Yasuda Life Insurance Co. (3.9%)
  • Fukushima Shoji KK (Fukushima) (3.3%)
  • Nippon Life Insurance Co. (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%)
  • Dimensional Fund Advisors LP (1.7%)
  • Sumitomo Life Insurance Co. (1.5%)

Contact Details

Related Companies

  • Toho Smile Co., Ltd.
  • Toho Securities Co., Ltd.
  • 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

    Last Updated on 30 Nov, 2022

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