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The Tohoku Bank, Ltd. logo

The Tohoku Bank, Ltd.

8349.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥1,618

+¥10.00 · +0.62%

Aug 24, 1:27 PM JST

8349.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating in Japan, The Tohoku Bank, Ltd. delivers a comprehensive suite of banking and financial services to both individual and corporate clients. Its offerings include various deposit accounts such as savings, general, and time deposits, along with investment products like investment trusts and government bonds. The bank also facilitates convenient transactions through debit and credit cards, payment collection services, and modern internet and mobile banking platforms. Customers can access a broad range of loan options, including those for housing, automobiles, education, remodeling, travel, and bridal expenses, in addition to specialized financing for mortgages, reconstruction support, medical/long-term care, and agriculture. Furthermore, the company provides diverse insurance policies, encompassing medical, cancer, personal annuity, whole life, term, and income security coverage, as well as pension services. Founded in 1950, The Tohoku Bank, Ltd. is headquartered in Morioka, Japan, and as of March 31, 2020, maintained a network of 55 stores and two branch offices.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Takeshi Sato
Listed since
Jan 4, 2001
Employees
560

Market position

Day range

Current ¥1,618

52-week range

Current ¥1,618

Open
¥1,617
Previous close
¥1,608
Volume
17.1K
0.88× average
Average volume
19.36K
Average daily volume
Market cap
15.31B JPY
Beta
0.57
Market reference 1
50-day average
¥1,449.68
+11.61% above average
200-day average
¥1,458.8
+10.91% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-3.51B JPY
P/E (TTM)
8.87×
P/B (TTM)
0.46×
P/S (TTM)
0.82×
EV / EBITDA
-1.18×
Earnings yield
12.58%
Free cash flow yield
198.02%
Dividend yield
3.09%

Profitability & efficiency

Gross margin
79.74%
Operating margin
13.88%
Net margin
9.19%
Return on equity
5.05%
Return on assets
0.17%
Return on invested capital
0.17%

Financial health

Debt / equity
0.83×
Current ratio
1.31×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%72%35%-2%Gross margin, FY2021: 99.72%Gross margin, FY2022: 99.76%Gross margin, FY2023: 99.79%Gross margin, FY2024: 95.65%Gross margin, FY2025: 80.42%Operating margin, FY2021: 14.34%Operating margin, FY2022: 17.19%Operating margin, FY2023: 14.14%Operating margin, FY2024: 11.86%Operating margin, FY2025: 14.27%Net margin, FY2021: 10.24%Net margin, FY2022: 11.99%Net margin, FY2023: 9.84%Net margin, FY2024: 7.51%Net margin, FY2025: 9.61%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.72%. Gross margin FY2022 99.76%. Gross margin FY2023 99.79%. Gross margin FY2024 95.65%. Gross margin FY2025 80.42%. Operating margin FY2021 14.34%. Operating margin FY2022 17.19%. Operating margin FY2023 14.14%. Operating margin FY2024 11.86%. Operating margin FY2025 14.27%. Net margin FY2021 10.24%. Net margin FY2022 11.99%. Net margin FY2023 9.84%. Net margin FY2024 7.51%. Net margin FY2025 9.61%.

Income trends

Revenue

17.62B JPY+23.75%

Operating income

2.51B JPY+48.93%

Net income

1.69B JPY+58.37%
Income trends across reported periods19.27B JPY12.65B JPY6.03B JPY−585.6M JPYRevenue, FY2021: 13.06B JPYRevenue, FY2022: 12.72B JPYRevenue, FY2023: 13.98B JPYRevenue, FY2024: 14.23B JPYRevenue, FY2025: 17.62B JPYOperating income, FY2021: 1.87B JPYOperating income, FY2022: 2.19B JPYOperating income, FY2023: 1.98B JPYOperating income, FY2024: 1.69B JPYOperating income, FY2025: 2.51B JPYNet income, FY2021: 1.34B JPYNet income, FY2022: 1.53B JPYNet income, FY2023: 1.38B JPYNet income, FY2024: 1.07B JPYNet income, FY2025: 1.69B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 13.06B JPY. Revenue FY2022 12.72B JPY. Revenue FY2023 13.98B JPY. Revenue FY2024 14.23B JPY. Revenue FY2025 17.62B JPY. Operating income FY2021 1.87B JPY. Operating income FY2022 2.19B JPY. Operating income FY2023 1.98B JPY. Operating income FY2024 1.69B JPY. Operating income FY2025 2.51B JPY. Net income FY2021 1.34B JPY. Net income FY2022 1.53B JPY. Net income FY2023 1.38B JPY. Net income FY2024 1.07B JPY. Net income FY2025 1.69B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue17.62B JPY14.23B JPY13.98B JPY12.72B JPY13.06B JPY
Cost of goods sold3.45B JPY619M JPY30M JPY30M JPY37M JPY
Gross profit14.17B JPY13.62B JPY13.95B JPY12.69B JPY13.02B JPY
Selling, general, and administrative—8.93B JPY8.98B JPY8.62B JPY8.9B JPY
Operating expenses11.65B JPY11.93B JPY11.97B JPY10.51B JPY11.15B JPY
Interest income12.42B JPY10.26B JPY9.54B JPY9.13B JPY9.28B JPY
Interest expense2.09B JPY619M JPY30M JPY30M JPY37M JPY
Depreciation and amortization468M JPY409M JPY452M JPY404M JPY531M JPY
Operating income2.51B JPY1.69B JPY1.98B JPY2.19B JPY1.87B JPY
Net income1.69B JPY1.07B JPY1.38B JPY1.53B JPY1.34B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
66.51

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates71.5848.625.612.62Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 14.52, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 41.31, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 3.08, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 63.1, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 60.32, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 38.42, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 14.79, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 66.51, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates5.45B4.8B4.16B3.51BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 3.72B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 3.83B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 3.84B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 4.26B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 4.46B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 4.61B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 4.6B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 5.24B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥50.00

2025 complete year0.0% since 2021

2026 partial: ¥25.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥25.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥25.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥25.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Sep 29, 2025

¥25.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥25.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 25, 2025

Dividend

Ex-dividend Sep 27, 2024

¥25.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 8349.T

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

Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
195.85K
Weight
0.00%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
30.66K
Weight
0.00%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.405+0.83%
Dimensional World ex U.S. Core Equity 2 ETF logoDimensional World ex U.S. Core Equity 2 ETFDFAX
Market value
17.8K
Weight
0.00%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%

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