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The First Bank Of Toyama, Ltd. logo

The First Bank Of Toyama, Ltd.

7184.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥3,120

−¥55.00 · -1.73%

Aug 24, 1:28 PM JST

7184.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The First Bank of Toyama, Ltd. offers a comprehensive range of financial services, catering to individual clients, corporate entities, and business ventures. Its extensive product suite encompasses various deposit instruments, such as general, savings, foreign currency, time, and periodic accounts. The institution also extends numerous credit facilities, including home, vehicle, educational, remodeling, flexible personal, and card loans. Furthermore, customers can engage with investment trusts, government bonds, and brokerage services, alongside a selection of pension and insurance plans, all accessible via its convenient internet banking platform. Founded in 1944, the bank is headquartered in Toyama, Japan, and maintains a network of 66 operational branches.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Mitsuru Nomura
Listed since
Mar 15, 2016
Employees
623

Market position

Day range

Current ¥3,120

52-week range

Current ¥3,120

Open
¥3,220
Previous close
¥3,175
Volume
61.8K
0.27× average
Average volume
231.4K
Average daily volume
Market cap
189.85B JPY
Beta
0.99
Market reference 1
50-day average
¥2,813.2
+10.91% above average
200-day average
¥2,401.31
+29.93% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
89.51B JPY
P/E (TTM)
10.92×
P/B (TTM)
1×
P/S (TTM)
3.29×
EV / EBITDA
4.05×
Earnings yield
10.23%
Free cash flow yield
2.52%
Dividend yield
2.69%

Profitability & efficiency

Gross margin
92.04%
Operating margin
43.65%
Net margin
30.91%
Return on equity
7.58%
Return on assets
0.88%
Return on invested capital
0.88%

Financial health

Debt / equity
0.02×
Current ratio
4.18×
Altman Z-score
0.36
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%72%38%4%Gross margin, FY2021: 87.88%Gross margin, FY2022: 97.92%Gross margin, FY2023: 91.90%Gross margin, FY2024: 97.60%Gross margin, FY2025: 91.88%Operating margin, FY2021: 18.70%Operating margin, FY2022: 18.76%Operating margin, FY2023: 24.29%Operating margin, FY2024: 39.96%Operating margin, FY2025: 41.17%Net margin, FY2021: 13.26%Net margin, FY2022: 12.97%Net margin, FY2023: 14.40%Net margin, FY2024: 28.13%Net margin, FY2025: 29.53%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 87.88%. Gross margin FY2022 97.92%. Gross margin FY2023 91.90%. Gross margin FY2024 97.60%. Gross margin FY2025 91.88%. Operating margin FY2021 18.70%. Operating margin FY2022 18.76%. Operating margin FY2023 24.29%. Operating margin FY2024 39.96%. Operating margin FY2025 41.17%. Net margin FY2021 13.26%. Net margin FY2022 12.97%. Net margin FY2023 14.40%. Net margin FY2024 28.13%. Net margin FY2025 29.53%.

Income trends

Revenue

50.98B JPY+7.41%

Operating income

20.99B JPY+10.68%

Net income

15.06B JPY+12.74%
Income trends across reported periods55.73B JPY36.73B JPY17.73B JPY−1.26B JPYRevenue, FY2021: 26.29B JPYRevenue, FY2022: 32.41B JPYRevenue, FY2023: 36.7B JPYRevenue, FY2024: 47.47B JPYRevenue, FY2025: 50.98B JPYOperating income, FY2021: 4.92B JPYOperating income, FY2022: 6.08B JPYOperating income, FY2023: 8.91B JPYOperating income, FY2024: 18.97B JPYOperating income, FY2025: 20.99B JPYNet income, FY2021: 3.49B JPYNet income, FY2022: 4.2B JPYNet income, FY2023: 5.28B JPYNet income, FY2024: 13.35B JPYNet income, FY2025: 15.06B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 26.29B JPY. Revenue FY2022 32.41B JPY. Revenue FY2023 36.7B JPY. Revenue FY2024 47.47B JPY. Revenue FY2025 50.98B JPY. Operating income FY2021 4.92B JPY. Operating income FY2022 6.08B JPY. Operating income FY2023 8.91B JPY. Operating income FY2024 18.97B JPY. Operating income FY2025 20.99B JPY. Net income FY2021 3.49B JPY. Net income FY2022 4.2B JPY. Net income FY2023 5.28B JPY. Net income FY2024 13.35B JPY. Net income FY2025 15.06B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue50.98B JPY47.47B JPY36.7B JPY32.41B JPY26.29B JPY
Cost of goods sold4.14B JPY1.14B JPY2.97B JPY673M JPY3.19B JPY
Gross profit46.84B JPY46.33B JPY33.72B JPY31.74B JPY23.1B JPY
Selling, general, and administrative—5.32B JPY———
Operating expenses25.85B JPY27.36B JPY24.81B JPY25.66B JPY18.19B JPY
Interest income27.23B JPY23.33B JPY21.11B JPY18.55B JPY17.39B JPY
Interest expense3.76B JPY1.26B JPY181M JPY163M JPY188M JPY
Depreciation and amortization1.13B JPY1.17B JPY988M JPY971M JPY1.01B JPY
Operating income20.99B JPY18.97B JPY8.91B JPY6.08B JPY4.92B JPY
Net income15.06B JPY13.35B JPY5.28B JPY4.2B JPY3.49B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
124.51

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates180.85114.5448.24-18.07Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 39.53, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 49.31, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual -4.35, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 1, 2025: actual 77.53, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 38.02, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 6, 2026: actual 167.13, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 71.75, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 124.51, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates40.32B28.92B17.53B6.13BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 10.11B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 12.06B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 7.22B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 1, 2025: actual 13.57B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 11.35B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 6, 2026: actual 37.86B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 15.3B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 21.31B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥47.00

2025 complete year+291.7% since 2021

2026 partial: ¥56.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥37.50

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥37.50

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥56.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 24, 2026

Dividend

Ex-dividend Sep 29, 2025

¥28.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Mar 28, 2025

¥19.00

Annual

Record Mar 31, 2025 · Payment Jun 25, 2025

Dividend

Ex-dividend Sep 27, 2024

¥15.00

Special

Record Sep 30, 2024 · Payment Dec 1, 2024

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ETFs holding 7184.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
494.98M
Weight
0.02%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.3+0.07%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
15.12M
Weight
0.08%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
14.48M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
9.9M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
7.42M
Weight
0.14%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
6.98M
Weight
0.00%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
3.86M
Weight
0.03%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
3.68M
Weight
0.03%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%

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