The Tochigi Bank, Ltd. (8550.T) stock price, financials & research

Regular session · JST · Market data may be delayed.

Company profile

The Tochigi Bank, Ltd. delivers a comprehensive range of banking products and financial services to both individual and business customers throughout Japan. Its diverse deposit portfolio includes everyday options like ordinary, savings, and general accounts, alongside specialized offerings such as time deposits, foreign currency time deposits, property accumulation deposits, and WEB accounts. For its clientele, the bank extends various lending solutions, including mortgage, remodeling, school, housing, car, and bank card loans. Furthermore, it offers asset management services, insurance policies, and pension products. As of March 31, 2021, The Tochigi Bank operated through 86 offices, 6 loan plazas, and a network of 335 ATMs situated in 199 different locations. Founded in 1942, the institution was formerly known as Tochigi Mutual Bank Co., Ltd. before changing its name to The Tochigi Bank, Ltd. in 1989. It is headquartered in Utsunomiya, Japan.

Industry: Banks - Regional
Sector: Financial Services
Headquarters: JP
CEO: Hiroyuki Nakada
Listed since: Jan 1, 2001
Employees: 1,501

Market position

52-week range

Current ¥1,011

¥463¥1,144

Open: ¥1,011
Previous close: ¥1,041
Volume: 0; 0× average
Average volume: 748.41K; Average daily volume
Market cap: 105.28B JPY
Beta: 1.19; Market reference 1
50-day average: ¥988.98; +2.23% above average
200-day average: ¥892.15; +13.32% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: -330.91B JPY
EV / EBITDA: -29.19×
Earnings yield: 9.27%
Free cash flow yield: 8.71%

Profitability & efficiency

Return on equity: 5.08%
Return on assets: 0.24%
Return on invested capital: 0.25%

Financial health

Current ratio: 10.29×
Altman Z-score: 0.23
Piotroski F-score: 3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

51.4B JPY+27.48%

Operating income

9.76B JPY+33.36B JPY

Net income

8.29B JPY+30.62B JPY

Metric (JPY)	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	51.4B JPY	40.32B JPY	41.04B JPY	41.33B JPY	37.76B JPY
Cost of goods sold	8.26B JPY	2.42B JPY	115M JPY	148M JPY	239M JPY
Gross profit	43.14B JPY	37.89B JPY	40.93B JPY	41.19B JPY	37.52B JPY
Selling, general, and administrative	—	22.67B JPY	23.86B JPY	23.17B JPY	24.04B JPY
Operating expenses	33.37B JPY	61.48B JPY	37.57B JPY	37.01B JPY	33.08B JPY
Interest income	36.47B JPY	27.09B JPY	28.48B JPY	29.16B JPY	25.61B JPY
Interest expense	7.68B JPY	2.42B JPY	115M JPY	148M JPY	239M JPY
Depreciation and amortization	1.57B JPY	1.38B JPY	1.08B JPY	1.11B JPY	1.22B JPY
Operating income	9.76B JPY	−23.59B JPY	3.36B JPY	4.18B JPY	4.45B JPY
Net income	8.29B JPY	−22.33B JPY	2.1B JPY	2.65B JPY	3.63B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result: 20.33

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

Corporate actions

Annual dividends per share

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

¥15.50

2025 complete year+210.0% since 2021

2026 partial: ¥14.00

¥5.00

2,021

¥5.50

2,022

¥6.00

2,023

¥6.50

2,024

¥15.50

2,025

¥14.00

2,026*

* Partial calendar year in the available dividend history.

Corporate action history

Action	Ex-dividend date	Details	Record date	Payment date
DividendUpcoming	Sep 29, 2026	¥15.00Semi-Annual	Sep 30, 2026	Sep 29, 2026
DividendUpcoming	Mar 30, 2027	¥15.00Semi-Annual	Mar 31, 2027	Mar 30, 2027
Dividend	Mar 30, 2026	¥14.00Semi-Annual	Mar 31, 2026	Jun 26, 2026
Dividend	Sep 29, 2025	¥12.00Semi-Annual	Sep 30, 2025	Dec 10, 2025
Dividend	Mar 28, 2025	¥3.50Semi-Annual	Mar 31, 2025	Jun 27, 2025
Dividend	Sep 27, 2024	¥3.50Semi-Annual	Sep 30, 2024	Dec 10, 2024