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Tomato Bank, Ltd. logo

Tomato Bank, Ltd.

8542.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥1,940

+¥6.00 · +0.31%

Aug 24, 2:41 PM JST

8542.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating in Japan, Tomato Bank, Ltd. delivers a broad spectrum of banking and financial solutions to both individual and corporate clients. Its offerings include a variety of deposit accounts, such as savings, time, reserve, and foreign currency options, alongside a diverse portfolio of loan products, including those for cards, housing, renovations, personal use, vehicles, and education. The bank also issues debit and credit cards, provides life and non-life insurance products, and deals in bonds. Additional services extend to pension planning, investment trusts, electronic money top-ups, payment and transfer facilities, safe deposit boxes, and both internet and mobile banking. For businesses, it offers consulting, business support, fund management, and ATM services. As of June 30, 2021, the bank maintained a network of 61 branches. Incorporated in 1931 and headquartered in Okayama, Japan, the company was previously known as Sanyo Mutual Bank, Ltd., changing its name to Tomato Bank, Ltd. in April 1989.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Shogo Takagi
Listed since
Jan 5, 2001
Employees
746

Market position

Day range

Current ¥1,940

52-week range

Current ¥1,940

Open
¥1,934
Previous close
¥1,934
Volume
20.6K
0.73× average
Average volume
28.26K
Average daily volume
Market cap
22.39B JPY
Beta
0.22
Market reference 1
50-day average
¥1,619.12
+19.82% above average
200-day average
¥1,574.54
+23.21% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-56.14B JPY
EV / EBITDA
-15.8×
Earnings yield
11.03%
Free cash flow yield
4.17%

Profitability & efficiency

Return on equity
3.43%
Return on assets
0.14%
Return on invested capital
0.14%

Financial health

Current ratio
5.99×
Altman Z-score
0.17
Piotroski F-score
4 of 9

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: 98.66%Gross margin, FY2022: 97.96%Gross margin, FY2023: 98.83%Gross margin, FY2024: 95.88%Gross margin, FY2025: 86.09%Operating margin, FY2021: 11.82%Operating margin, FY2022: 13.09%Operating margin, FY2023: 10.58%Operating margin, FY2024: 11.09%Operating margin, FY2025: 10.69%Net margin, FY2021: 8.13%Net margin, FY2022: 9.07%Net margin, FY2023: 7.10%Net margin, FY2024: 7.84%Net margin, FY2025: 7.60%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.66%. Gross margin FY2022 97.96%. Gross margin FY2023 98.83%. Gross margin FY2024 95.88%. Gross margin FY2025 86.09%. Operating margin FY2021 11.82%. Operating margin FY2022 13.09%. Operating margin FY2023 10.58%. Operating margin FY2024 11.09%. Operating margin FY2025 10.69%. Net margin FY2021 8.13%. Net margin FY2022 9.07%. Net margin FY2023 7.10%. Net margin FY2024 7.84%. Net margin FY2025 7.60%.

Income trends

Revenue

25.91B JPY+11.83%

Operating income

2.77B JPY+7.82%

Net income

1.97B JPY+8.42%
Income trends across reported periods28.34B JPY18.59B JPY8.84B JPY−907.5M JPYRevenue, FY2021: 20.41B JPYRevenue, FY2022: 20.71B JPYRevenue, FY2023: 21.55B JPYRevenue, FY2024: 23.16B JPYRevenue, FY2025: 25.91B JPYOperating income, FY2021: 2.41B JPYOperating income, FY2022: 2.71B JPYOperating income, FY2023: 2.28B JPYOperating income, FY2024: 2.57B JPYOperating income, FY2025: 2.77B JPYNet income, FY2021: 1.66B JPYNet income, FY2022: 1.88B JPYNet income, FY2023: 1.53B JPYNet income, FY2024: 1.82B JPYNet income, FY2025: 1.97B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 20.41B JPY. Revenue FY2022 20.71B JPY. Revenue FY2023 21.55B JPY. Revenue FY2024 23.16B JPY. Revenue FY2025 25.91B JPY. Operating income FY2021 2.41B JPY. Operating income FY2022 2.71B JPY. Operating income FY2023 2.28B JPY. Operating income FY2024 2.57B JPY. Operating income FY2025 2.77B JPY. Net income FY2021 1.66B JPY. Net income FY2022 1.88B JPY. Net income FY2023 1.53B JPY. Net income FY2024 1.82B JPY. Net income FY2025 1.97B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue25.91B JPY23.16B JPY21.55B JPY20.71B JPY20.41B JPY
Cost of goods sold3.6B JPY955M JPY252M JPY423M JPY274M JPY
Gross profit22.3B JPY22.21B JPY21.3B JPY20.29B JPY20.14B JPY
Selling, general, and administrative5.91B JPY11.47B JPY11.38B JPY11.2B JPY11.38B JPY
Operating expenses19.53B JPY19.64B JPY19.02B JPY17.58B JPY17.72B JPY
Interest income16.05B JPY14.32B JPY13.4B JPY13.1B JPY12.87B JPY
Interest expense2.93B JPY955M JPY252M JPY423M JPY274M JPY
Depreciation and amortization782M JPY765M JPY781M JPY795M JPY790M JPY
Operating income2.77B JPY2.57B JPY2.28B JPY2.71B JPY2.41B JPY
Net income1.97B JPY1.82B JPY1.53B JPY1.88B JPY1.66B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
75.36

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates82.6755.8529.042.22Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 2.61, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 52.91, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 36.64, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 25.95, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 25.47, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 76.74, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 13, 2026: actual 28.33, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual 75.36, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates7.64B7.09B6.54B6BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 6.53B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 6.36B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 6.29B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 6.48B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 6.58B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 6.53B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 13, 2026: actual 7B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual 7.34B 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 30, 2026

Dividend

Ex-dividend Sep 29, 2025

¥25.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 8, 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 6, 2024

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ETFs holding 8542.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
63.36K
Weight
0.00%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
36.55K
Weight
0.00%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.405+0.83%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
35.34K
Weight
0.00%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%

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