The Tottori Bank, Ltd. logo

The Tottori Bank, Ltd.

8383.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥1,930

+¥21.00 · +1.10%

Aug 24, 3:30 PM JST

8383.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Tottori Bank, Ltd. is a Japanese financial institution that delivers a wide range of banking products and services. Its business operations are divided into two main divisions: the Banking segment and the Card Business segment. The Banking division offers core financial solutions, encompassing deposit-taking, lending activities, securities investment management, and foreign exchange services. Meanwhile, the Card Business segment specializes in the provision of credit cards. As of March 31, 2020, the bank managed an extensive network of 65 branches. Established in 1921, the company's principal office is located in Tottori, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Itaru Irie
Listed since
Jan 4, 2001
Employees
638

Market position

52-week range

Current ¥1,930

Open
¥1,930
Previous close
¥1,909
Volume
28.1K
0.76× average
Average volume
36.8K
Average daily volume
Market cap
18.06B JPY
Beta
0.39
Market reference 1
50-day average
¥1,696.08
+13.79% above average
200-day average
¥1,637.87
+17.84% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-31.95B JPY
P/E (TTM)
9.71×
P/B (TTM)
0.35×
P/S (TTM)
0.96×
EV / EBITDA
-10.89×
Earnings yield
10.43%
Free cash flow yield
29.23%
Dividend yield
2.59%

Profitability & efficiency

Gross margin
84.33%
Operating margin
14.74%
Net margin
9.94%
Return on equity
3.12%
Return on assets
0.14%
Return on invested capital
0.14%

Financial health

Debt / equity
0.46×
Current ratio
1,167.3×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%71%35%-2%Gross margin, FY2021: 97.39%Gross margin, FY2022: 98.17%Gross margin, FY2023: 98.49%Gross margin, FY2024: 94.68%Gross margin, FY2025: 82.32%Operating margin, FY2021: 10.33%Operating margin, FY2022: 13.47%Operating margin, FY2023: 11.94%Operating margin, FY2024: 13.00%Operating margin, FY2025: 12.07%Net margin, FY2021: 7.55%Net margin, FY2022: 8.43%Net margin, FY2023: 8.04%Net margin, FY2024: 8.96%Net margin, FY2025: 8.73%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.39%. Gross margin FY2022 98.17%. Gross margin FY2023 98.49%. Gross margin FY2024 94.68%. Gross margin FY2025 82.32%. Operating margin FY2021 10.33%. Operating margin FY2022 13.47%. Operating margin FY2023 11.94%. Operating margin FY2024 13.00%. Operating margin FY2025 12.07%. Net margin FY2021 7.55%. Net margin FY2022 8.43%. Net margin FY2023 8.04%. Net margin FY2024 8.96%. Net margin FY2025 8.73%.

Income trends

Revenue

18.15B JPY+23.81%

Operating income

2.19B JPY+15.01%

Net income

1.58B JPY+20.64%
Income trends across reported periods19.87B JPY12.97B JPY6.07B JPY−834.4M JPYRevenue, FY2021: 11.8B JPYRevenue, FY2022: 12.38B JPYRevenue, FY2023: 13.13B JPYRevenue, FY2024: 14.66B JPYRevenue, FY2025: 18.15B JPYOperating income, FY2021: 1.22B JPYOperating income, FY2022: 1.67B JPYOperating income, FY2023: 1.57B JPYOperating income, FY2024: 1.91B JPYOperating income, FY2025: 2.19B JPYNet income, FY2021: 891M JPYNet income, FY2022: 1.04B JPYNet income, FY2023: 1.06B JPYNet income, FY2024: 1.31B JPYNet income, FY2025: 1.58B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 11.8B JPY. Revenue FY2022 12.38B JPY. Revenue FY2023 13.13B JPY. Revenue FY2024 14.66B JPY. Revenue FY2025 18.15B JPY. Operating income FY2021 1.22B JPY. Operating income FY2022 1.67B JPY. Operating income FY2023 1.57B JPY. Operating income FY2024 1.91B JPY. Operating income FY2025 2.19B JPY. Net income FY2021 891M JPY. Net income FY2022 1.04B JPY. Net income FY2023 1.06B JPY. Net income FY2024 1.31B JPY. Net income FY2025 1.58B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue18.15B JPY14.66B JPY13.13B JPY12.38B JPY11.8B JPY
Cost of goods sold3.21B JPY779M JPY198M JPY226M JPY308M JPY
Gross profit14.94B JPY13.88B JPY12.93B JPY12.15B JPY11.49B JPY
Selling, general, and administrative5.98B JPY10.18B JPY9.89B JPY9.55B JPY9.24B JPY
Operating expenses12.75B JPY11.97B JPY11.36B JPY10.49B JPY10.27B JPY
Interest income13.64B JPY11.07B JPY10.53B JPY10.06B JPY9.73B JPY
Interest expense2.38B JPY779M JPY198M JPY226M JPY308M JPY
Depreciation and amortization744M JPY748M JPY745M JPY812M JPY821M JPY
Operating income2.19B JPY1.91B JPY1.57B JPY1.67B JPY1.22B JPY
Net income1.58B JPY1.31B JPY1.06B JPY1.04B JPY891M JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
88.14

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates97.0160.6224.24-12.15Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 15.39, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 49.93, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 14.21, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 58.51, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 25.82, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 89.48, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual -4.62, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 88.14, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates5.95B5.17B4.39B3.61BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 4.7B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 3.85B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 3.83B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 4.37B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 4.34B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 5.08B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 5.19B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 5.73B JPY, estimate —, surprise —, Comparison unavailable.

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