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Towa Bank, Ltd. logo

Towa Bank, Ltd.

8558.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥1,435

−¥10.00 · -0.69%

Aug 25, 10:33 AM JST

8558.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Towa Bank, Ltd. provides various banking products and services. It offers deposit, lending, ancillary, securities investment, entrustment of corporate bonds, domestic exchange, and foreign exchange services, as well as credit cards. The company was founded in 1917 and is headquartered in Maebashi, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hiroshi Ebara
Listed since
Jun 20, 2008
Employees
1,207

Market position

Day range

Current ¥1,435

52-week range

Current ¥1,435

Open
¥1,456
Previous close
¥1,445
Volume
37.2K
0.16× average
Average volume
233.44K
Average daily volume
Market cap
50.85B JPY
Beta
0.54
Market reference 1
50-day average
¥1,423.46
+0.81% above average
200-day average
¥1,188.08
+20.78% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-106.9B JPY
P/E (TTM)
-1.74×
P/B (TTM)
0.59×
P/S (TTM)
1.43×
EV / EBITDA
4.08×
Earnings yield
-69.29%
Free cash flow yield
14.60%
Dividend yield
2.44%

Profitability & efficiency

Gross margin
86.12%
Operating margin
-99.40%
Net margin
-82.87%
Return on equity
-27.18%
Return on assets
-1.01%
Return on invested capital
-1.04%

Financial health

Debt / equity
1.27×
Current ratio
3.86×
Altman Z-score
0.11
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends117%48%-21%-90%Gross margin, FY2021: 99.38%Gross margin, FY2022: 99.47%Gross margin, FY2023: 99.52%Gross margin, FY2024: 95.54%Gross margin, FY2025: 86.08%Operating margin, FY2021: 10.41%Operating margin, FY2022: 16.93%Operating margin, FY2023: 14.38%Operating margin, FY2024: 19.74%Operating margin, FY2025: -72.72%Net margin, FY2021: 5.31%Net margin, FY2022: 13.88%Net margin, FY2023: 11.81%Net margin, FY2024: 14.52%Net margin, FY2025: -62.51%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.38%. Gross margin FY2022 99.47%. Gross margin FY2023 99.52%. Gross margin FY2024 95.54%. Gross margin FY2025 86.08%. Operating margin FY2021 10.41%. Operating margin FY2022 16.93%. Operating margin FY2023 14.38%. Operating margin FY2024 19.74%. Operating margin FY2025 -72.72%. Net margin FY2021 5.31%. Net margin FY2022 13.88%. Net margin FY2023 11.81%. Net margin FY2024 14.52%. Net margin FY2025 -62.51%.

Income trends

Revenue

39.13B JPY+25.65%

Operating income

−28.45B JPY−34.6B JPY

Net income

−24.46B JPY−28.98B JPY
Income trends across reported periods45.88B JPY18.85B JPY−8.18B JPY−35.21B JPYRevenue, FY2021: 32.88B JPYRevenue, FY2022: 29.49B JPYRevenue, FY2023: 29.88B JPYRevenue, FY2024: 31.14B JPYRevenue, FY2025: 39.13B JPYOperating income, FY2021: 3.42B JPYOperating income, FY2022: 4.99B JPYOperating income, FY2023: 4.3B JPYOperating income, FY2024: 6.15B JPYOperating income, FY2025: −28.45B JPYNet income, FY2021: 1.75B JPYNet income, FY2022: 4.09B JPYNet income, FY2023: 3.53B JPYNet income, FY2024: 4.52B JPYNet income, FY2025: −24.46B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 32.88B JPY. Revenue FY2022 29.49B JPY. Revenue FY2023 29.88B JPY. Revenue FY2024 31.14B JPY. Revenue FY2025 39.13B JPY. Operating income FY2021 3.42B JPY. Operating income FY2022 4.99B JPY. Operating income FY2023 4.3B JPY. Operating income FY2024 6.15B JPY. Operating income FY2025 −28.45B JPY. Net income FY2021 1.75B JPY. Net income FY2022 4.09B JPY. Net income FY2023 3.53B JPY. Net income FY2024 4.52B JPY. Net income FY2025 −24.46B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue39.13B JPY31.14B JPY29.88B JPY29.49B JPY32.88B JPY
Cost of goods sold5.45B JPY1.39B JPY142M JPY156M JPY203M JPY
Gross profit33.68B JPY29.75B JPY29.74B JPY29.34B JPY32.67B JPY
Selling, general, and administrative11.27B JPY20.47B JPY19.74B JPY19.6B JPY19.75B JPY
Operating expenses62.13B JPY23.6B JPY25.44B JPY24.34B JPY29.25B JPY
Interest income31.4B JPY23.69B JPY21.68B JPY22.31B JPY23.1B JPY
Interest expense4.67B JPY1.39B JPY142M JPY156M JPY203M JPY
Depreciation and amortization2.27B JPY2.07B JPY1.63B JPY1.56B JPY1.43B JPY
Operating income−28.45B JPY6.15B JPY4.3B JPY4.99B JPY3.42B JPY
Net income−24.46B JPY4.52B JPY3.53B JPY4.09B JPY1.75B JPY

Company facts updated Aug 25, 2026.

Earnings

Latest EPS result
-85.14

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates137.36-193.15-523.67-854.18Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 14.33, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 21.09, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 68.98, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 5, 2025: actual 52.53, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 34.66, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 11.43, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual -785.8, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual -85.14, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates16.14B13.46B10.79B8.11BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 8.73B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 8.84B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 12.2B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 5, 2025: actual 9.87B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 10.68B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 10.77B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 12.19B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 4, 2026: actual 15.52B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥35.00

2025 complete year-12.5% since 2021

2026 partial: ¥35.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Mar 30, 2027

¥50.00

Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥35.00

Annual

Record Mar 31, 2026 · Payment Jun 26, 2026

Dividend

Ex-dividend Mar 28, 2025

¥35.00

Annual

Record Mar 31, 2025 · Payment Jun 27, 2025

Dividend

Ex-dividend Mar 28, 2024

¥35.00

Special

Record Mar 31, 2024 · Payment Jun 28, 2024

Dividend

Ex-dividend Mar 30, 2023

¥25.00

Annual

Record Mar 31, 2023 · Payment Jun 30, 2023

Dividend

Ex-dividend Mar 30, 2022

¥25.00

Annual

Record Mar 31, 2022 · Payment Jun 30, 2022

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ETFs holding 8558.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
135.41M
Weight
0.00%
AUM
2.9T JPY
Expense ratio
0.05%
Price / 1D
¥417.3-0.10%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
3.83M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.20-0.58%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
3.01M
Weight
0.01%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.83-0.11%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
2.56M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.06-0.49%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
1.08M
Weight
0.01%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$158.95-0.69%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
783.12K
Weight
0.01%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.45-0.25%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
770.29K
Weight
0.01%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.48-0.02%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
676.45K
Weight
0.01%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.26+0.02%

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