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The Bank of Toyama, Ltd. logo

The Bank of Toyama, Ltd.

8365.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥2,297

−¥27.00 · -1.16%

Aug 24, 3:30 PM JST

8365.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Bank of Toyama, Ltd. is a Japanese financial services provider catering to both individual and business clientele throughout the country. It offers a comprehensive suite of banking products, encompassing various deposit options such as ordinary, time, savings, and term accounts. Customers can also secure a range of loans, including financing for housing, vehicles, and education. Beyond these core services, the bank extends its offerings to include pension and insurance products, NISA accounts, financial instrument brokerage, government bonds, and investment trust management. For added convenience, clients have access to safe deposit boxes, automatic fund transfers, foreign currency exchange services, and debit cards. The institution ensures modern accessibility through its direct, internet, and mobile banking platforms. The Bank of Toyama operates 39 branches and was founded in 1954. Headquartered in Takaoka, Japan, the company adopted its current name in August 1967, having previously operated as Toyama Industrial Bank.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Yu Nakaoki
Listed since
Oct 2, 2014
Employees
325

Market position

Day range

Current ¥2,297

52-week range

Current ¥2,297

Open
¥2,336
Previous close
¥2,324
Volume
9.2K
0.81× average
Average volume
11.39K
Average daily volume
Market cap
12.25B JPY
Beta
0.36
Market reference 1
50-day average
¥2,277.06
+0.88% above average
200-day average
¥2,162.07
+6.24% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-9.23B JPY
EV / EBITDA
-4.32×
Earnings yield
8.87%
Free cash flow yield
-4.06%

Profitability & efficiency

Return on equity
3.37%
Return on assets
0.19%
Return on invested capital
0.19%

Financial health

Current ratio
3.53×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%71%33%-5%Gross margin, FY2021: 99.53%Gross margin, FY2022: 99.70%Gross margin, FY2023: 99.73%Gross margin, FY2024: 96.40%Gross margin, FY2025: 91.90%Operating margin, FY2021: 4.47%Operating margin, FY2022: 14.57%Operating margin, FY2023: 7.95%Operating margin, FY2024: 13.91%Operating margin, FY2025: 12.30%Net margin, FY2021: 4.14%Net margin, FY2022: 9.32%Net margin, FY2023: 6.49%Net margin, FY2024: 10.28%Net margin, FY2025: 7.86%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.53%. Gross margin FY2022 99.70%. Gross margin FY2023 99.73%. Gross margin FY2024 96.40%. Gross margin FY2025 91.90%. Operating margin FY2021 4.47%. Operating margin FY2022 14.57%. Operating margin FY2023 7.95%. Operating margin FY2024 13.91%. Operating margin FY2025 12.30%. Net margin FY2021 4.14%. Net margin FY2022 9.32%. Net margin FY2023 6.49%. Net margin FY2024 10.28%. Net margin FY2025 7.86%.

Income trends

Revenue

13.32B JPY+43.49%

Operating income

1.64B JPY+26.96%

Net income

1.05B JPY+9.75%
Income trends across reported periods14.62B JPY9.42B JPY4.23B JPY−965.7M JPYRevenue, FY2021: 8.05B JPYRevenue, FY2022: 10.43B JPYRevenue, FY2023: 9.75B JPYRevenue, FY2024: 9.28B JPYRevenue, FY2025: 13.32B JPYOperating income, FY2021: 360M JPYOperating income, FY2022: 1.52B JPYOperating income, FY2023: 775M JPYOperating income, FY2024: 1.29B JPYOperating income, FY2025: 1.64B JPYNet income, FY2021: 333M JPYNet income, FY2022: 972M JPYNet income, FY2023: 632M JPYNet income, FY2024: 954M JPYNet income, FY2025: 1.05B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 8.05B JPY. Revenue FY2022 10.43B JPY. Revenue FY2023 9.75B JPY. Revenue FY2024 9.28B JPY. Revenue FY2025 13.32B JPY. Operating income FY2021 360M JPY. Operating income FY2022 1.52B JPY. Operating income FY2023 775M JPY. Operating income FY2024 1.29B JPY. Operating income FY2025 1.64B JPY. Net income FY2021 333M JPY. Net income FY2022 972M JPY. Net income FY2023 632M JPY. Net income FY2024 954M JPY. Net income FY2025 1.05B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue13.32B JPY9.28B JPY9.75B JPY10.43B JPY8.05B JPY
Cost of goods sold1.08B JPY334M JPY26M JPY31M JPY38M JPY
Gross profit12.24B JPY8.95B JPY9.72B JPY10.4B JPY8.01B JPY
Selling, general, and administrative2.26B JPY5.34B JPY5.29B JPY5.03B JPY4.89B JPY
Operating expenses10.6B JPY7.66B JPY8.94B JPY8.88B JPY7.65B JPY
Interest income6.7B JPY5.7B JPY5.2B JPY5.24B JPY5.1B JPY
Interest expense1.15B JPY334M JPY26M JPY31M JPY38M JPY
Depreciation and amortization500M JPY496M JPY489M JPY490M JPY449M JPY
Operating income1.64B JPY1.29B JPY775M JPY1.52B JPY360M JPY
Net income1.05B JPY954M JPY632M JPY972M JPY333M JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
69.69

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates80.256.2332.258.28Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 39.26, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 9.74, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 68.46, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 74.98, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 43.18, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 22.64, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 55.51, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual 69.69, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates4.45B3.66B2.86B2.07BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 2.24B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 2.81B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 2.32B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 3.55B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 2.59B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 3.35B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 4.28B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual 3.73B 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: ¥30.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥27.50

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥27.50

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥30.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 29, 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 30, 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 8365.T

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

Dimensional World ex U.S. Core Equity 2 ETF logoDimensional World ex U.S. Core Equity 2 ETFDFAX
Market value
10.23K
Weight
0.00%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%

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