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8365.T$2027.00-2.14%
Fair $2027.00+0.0%

8365.T

The Bank of Toyama, Ltd.

Financial Services / Banks - RegionalTokyo

$2027.00

-45.00 (-2.14%)

Fairly Valued+0.0%Fair Value $2027.00Fund rank 23/100 · Data gapFallback financials|
SA 40/C
F-Score: 4/9
Declining RevenueLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 11.0/100

Data gap 23/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 6/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

40/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Revenue has declined for 2 consecutive years ROE is 3.4%, below the 5% threshold
Thesis & Journal · 8365.TLocal privado en este navegador · The Bank of Toyama, Ltd.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$10.8B

P/E

10.3x

↓

EV/EBITDA

N/A

•

ROE

3.4%

↓

Gross Margin

N/A

•

Debt/Equity

0.41

↑
52-Week Range$2027
$1500$2656

TradingView lightweight chart

8365.T price, volumen y niveles de valoración

Último $2,060Periodo +6.7%
Fair value: $2,027

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+3.8%

FCF CAGR

—

FCF margin

-49.6%

FCF / Net income

-4.66x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $8.95B · net income $954.0M · FCF $-4.44B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

10.7%+6.5% pts

FCF margin

-49.6%-188.6% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$8.95B$8.95B$9.72B$10.40B$8.01B
Net Income$954.0M$954.0M$632.0M$972.0M$333.0M
EPS177.35177.35116.68179.7261.32
Net Margin10.7%10.7%6.5%9.3%4.2%
Balance Sheet
Debt/Equity0.410.410.600.641.12
Cash Flow
Free Cash Flow$-4.44B$-4.44B$2.18B$-19.88B$11.13B
Returns
ROE3.4%3.4%2.1%3.3%1.1%
Valuation
P/E10.3210.3216.449.1532.47
P/B0.380.380.340.300.34
Growth & Yield
Revenue Growth-7.9%-7.9%-6.5%29.8%—
EPS Growth52.0%52.0%-35.1%193.1%—
Dividend Yield2.7%2.7%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

0.5%

fácil

EPS terminal req.

$179.86

Spread vs growth

51.5%

5Y implied EPS CAGR

4.2%

fácil

EPS terminal req.

$217.63

Spread vs growth

47.8%

10Y implied EPS CAGR

7.0%

razonable

EPS terminal req.

$350.50

Spread vs growth

44.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +37.7%

Total return

+37.7%

Start / end P/E

13.1x → 11.6x

EPS bridge

116.68 → 177.35

Residual

-5.8%

EPS growth+52.0%
Multiple rerating-11.2%
Dividend+2.7%
Residual / FX / buybacks / cross-term-5.8%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.