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Tsukuba Bank, Ltd. logo

Tsukuba Bank, Ltd.

8338.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥696

−¥16.00 · -2.25%

Aug 24, 2:39 PM JST

8338.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Tsukuba Bank, Ltd. functions as a financial institution primarily catering to customers in Japan's Ibaraki prefecture. This bank delivers a comprehensive array of services, including various deposit and lending products, insurance offerings, and wealth management solutions. Established in 1952, the company maintains its corporate headquarters in Tsukuba, Japan, and operates an extensive network of 149 branches throughout the country. It adopted the name Tsukuba Bank, Ltd. in 1989, having previously been known as Ibaraki Mutual Bank, Ltd.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Masahiko Ikuta
Listed since
Jan 4, 2001
Employees
1,260

Market position

Day range

Current ¥696

52-week range

Current ¥696

Open
¥722
Previous close
¥712
Volume
1.13M
0.64× average
Average volume
1.78M
Average daily volume
Market cap
57.36B JPY
Beta
0.49
Market reference 1
50-day average
¥658.34
+5.72% above average
200-day average
¥567.56
+22.63% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
48.64B JPY
P/E (TTM)
8.19×
P/B (TTM)
0.52×
P/S (TTM)
2.58×
EV / EBITDA
5.45×
Earnings yield
14.25%
Free cash flow yield
39.74%
Dividend yield
0.72%

Profitability & efficiency

Gross margin
72.36%
Operating margin
32.16%
Net margin
31.47%
Return on equity
6.30%
Return on assets
0.24%
Return on invested capital
2.37%

Financial health

Debt / equity
1.4×
Current ratio
0.06×
Altman Z-score
0.14
Piotroski F-score
2 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%71%33%-4%Gross margin, FY2021: 98.57%Gross margin, FY2022: 97.50%Gross margin, FY2023: 97.86%Gross margin, FY2024: 94.80%Gross margin, FY2025: 86.14%Operating margin, FY2021: 14.08%Operating margin, FY2022: 5.53%Operating margin, FY2023: 6.89%Operating margin, FY2024: 12.27%Operating margin, FY2025: 16.29%Net margin, FY2021: 13.04%Net margin, FY2022: 6.39%Net margin, FY2023: 6.05%Net margin, FY2024: 11.51%Net margin, FY2025: 15.50%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.57%. Gross margin FY2022 97.50%. Gross margin FY2023 97.86%. Gross margin FY2024 94.80%. Gross margin FY2025 86.14%. Operating margin FY2021 14.08%. Operating margin FY2022 5.53%. Operating margin FY2023 6.89%. Operating margin FY2024 12.27%. Operating margin FY2025 16.29%. Net margin FY2021 13.04%. Net margin FY2022 6.39%. Net margin FY2023 6.05%. Net margin FY2024 11.51%. Net margin FY2025 15.50%.

Income trends

Revenue

43.03B JPY+20.67%

Operating income

7.01B JPY+60.16%

Net income

6.67B JPY+62.56%
Income trends across reported periods47.15B JPY30.66B JPY14.18B JPY−2.31B JPYRevenue, FY2021: 32.46B JPYRevenue, FY2022: 32.79B JPYRevenue, FY2023: 36.26B JPYRevenue, FY2024: 35.66B JPYRevenue, FY2025: 43.03B JPYOperating income, FY2021: 4.57B JPYOperating income, FY2022: 1.81B JPYOperating income, FY2023: 2.5B JPYOperating income, FY2024: 4.38B JPYOperating income, FY2025: 7.01B JPYNet income, FY2021: 4.23B JPYNet income, FY2022: 2.1B JPYNet income, FY2023: 2.2B JPYNet income, FY2024: 4.1B JPYNet income, FY2025: 6.67B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 32.46B JPY. Revenue FY2022 32.79B JPY. Revenue FY2023 36.26B JPY. Revenue FY2024 35.66B JPY. Revenue FY2025 43.03B JPY. Operating income FY2021 4.57B JPY. Operating income FY2022 1.81B JPY. Operating income FY2023 2.5B JPY. Operating income FY2024 4.38B JPY. Operating income FY2025 7.01B JPY. Net income FY2021 4.23B JPY. Net income FY2022 2.1B JPY. Net income FY2023 2.2B JPY. Net income FY2024 4.1B JPY. Net income FY2025 6.67B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue43.03B JPY35.66B JPY36.26B JPY32.79B JPY32.46B JPY
Cost of goods sold5.96B JPY1.86B JPY777M JPY820M JPY464M JPY
Gross profit37.07B JPY33.81B JPY35.49B JPY31.97B JPY32B JPY
Selling, general, and administrative—22.84B JPY22.81B JPY23.14B JPY23.9B JPY
Operating expenses30.06B JPY29.43B JPY32.99B JPY30.16B JPY27.43B JPY
Interest income34.56B JPY28.26B JPY25.97B JPY25.65B JPY25.94B JPY
Interest expense5.67B JPY1.86B JPY777M JPY820M JPY464M JPY
Depreciation and amortization1.92B JPY2.23B JPY2.13B JPY2.28B JPY2.17B JPY
Operating income7.01B JPY4.38B JPY2.5B JPY1.81B JPY4.57B JPY
Net income6.67B JPY4.1B JPY2.2B JPY2.1B JPY4.23B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
25.04

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates26.519.612.75.81Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 6.83, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 5, 2025: actual 7.28, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 18.88, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 20.99, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 24.99, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 23.16, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 10.83, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 6, 2026: actual 25.04, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates15.59B13.56B11.53B9.5BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 10.43B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 5, 2025: actual 10.1B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 10.73B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 11.55B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 12.4B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 13.47B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 12.85B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 6, 2026: actual 14.99B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥5.00

2025 complete year0.0% since 2021

2026 partial: ¥5.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Mar 30, 2027

¥5.00

Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥5.00

Annual

Record Mar 31, 2026 · Payment Jun 5, 2026

Dividend

Ex-dividend Mar 28, 2025

¥5.00

Annual

Record Mar 31, 2025 · Payment Jun 6, 2025

Dividend

Ex-dividend Mar 28, 2024

¥5.00

Annual

Record Mar 31, 2024 · Payment Jun 6, 2024

Dividend

Ex-dividend Mar 30, 2023

¥5.00

Annual

Record Mar 31, 2023 · Payment Jun 2, 2023

Dividend

Ex-dividend Mar 30, 2022

¥5.00

Annual

Record Mar 31, 2022 · Payment Jun 6, 2022

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ETFs holding 8338.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
157.28M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.4+0.10%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
8.61M
Weight
0.04%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
5.12M
Weight
0.10%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
2.82M
Weight
0.05%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
830.58K
Weight
0.01%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.405+0.83%
State Street SPDR S&P International Small Cap ETF logoState Street SPDR S&P International Small Cap ETFGWX
Market value
546.39K
Weight
0.06%
AUM
927.26M USD
Expense ratio
0.40%
Price / 1D
$46.205+0.40%
Dimensional World ex U.S. Core Equity 2 ETF logoDimensional World ex U.S. Core Equity 2 ETFDFAX
Market value
379.6K
Weight
0.00%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%
Dimensional - International Core Equity Market ETF logoDimensional - International Core Equity Market ETFDFAI
Market value
362.21K
Weight
0.00%
AUM
18.23B USD
Expense ratio
0.18%
Price / 1D
$43.35+0.81%

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