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← CockpitCompetitor Analysis › 8338.T Tsukuba Bank, Ltd.Open in the cockpit ↗

Tsukuba Bank, Ltd.8338.TCompetitor analysis, valuation and peers

Japan · JPY·Financials›Regional Banks
Momentum laggard 16
Mkt cap
$290M
US dollars, full cap
Free float
88%
of shares outstanding
$/day
$6.99M
20-day average traded
P/B
0.60×
price to book
ROE
6.7%
delivered
Implied ROE
6.6%
what the price asks
Next earnings
4 days
10 Nov 2026
Close · JPY¥555
1D-8.0%
1W-16.8%
1M-35.5%
3M-11.6%
6M-4.3%
YTD+33.4%
1Y+79.6%
ATR %7.2%
52w lowhigh37.4% off high

What Tsukuba Bank does

Employees: 1,260

Tsukuba Bank at a glance

Size Tsukuba Bank (8338.T) is a Japan Financials company (Regional Banks) with a market value of $290M, the 1371st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥555 on 6 Nov 2026.

Performance Over six months the shares fell 4.3%, against +8.3% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd lowest of 20 in its peer set.

Growth Revenue grew 19.5% over the last twelve months (peer median +8.1%); the operating margin is 8.8% (peer median 34.0%).

Valuation It trades at 0.60× book value against a peer median of 1.20× (2nd cheapest of 21).

Price implies The share price implies a return on equity of about 6.6%; Tsukuba Bank delivers 6.7%, so the price asks less than the business earns today.

Next results Next results expected around 10 Nov 2026 (exchange calendar; dates can move).

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026Peer median 1108338.T 93
Six months, rebased to 100: Tsukuba Bank against the median of its 20 peers (local-currency closes).

Tsukuba Bank financials

Reported figures in JPY; fiscal year ends 2026-03-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue¥47.0B¥48.6B¥39.0B¥39.0B¥35.7B
Revenue growth—+25%0%+9%—
Net income¥7.01B¥6.67B¥4.10B¥2.19B¥2.10B
Free cash flown/a¥18.6B¥8.35B¥11.8B-¥219B
Capital expendituren/a¥1.90B¥1.13B¥1.59B¥1.54B
Total debt¥155B¥166B¥155B¥168B¥156B

Quarterly statements and history in the cockpit →

Tsukuba Bank competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+25%+50%+75%+100%-40%-20%0%+20%ATLOBPRNFCCOFRAF8551JMSBMVBFCFFIISBAUSCBGRLAISTR8338.T6-month return →1-month return →
Up and to the right = strong over both horizons. Tsukuba Bank is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×ATLOBPRNFCCOFRAF8551JMSBCOSOMVBFBCMLCFFIFRSTUSCBHBLNGRLAROGSAVBHISTRPKBK8338.TReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Tsukuba Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%ATLOBPRNFRAF8551JMSBCOSOMVBFBCMLISBAUSCBGRLAROGSAVBHPKBK8338.TROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Tsukuba Bank is the large dot.

Tsukuba Bank competitors and peer comparison

How Tsukuba Bank compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Tsukuba Bank against its 20 peers (data as of 6 Nov 2026)
Measure8338.TPeer medianRank in peer set
1-month return-35.5%+2.2%lowest of 20
6-month return-4.3%+8.3%2nd lowest of 20
Return on equity6.7%11.3%5th lowest of 21
Price / book0.60×1.20×2nd cheapest of 21
Trailing P/E13.5×12.2×7th most expensive of 20
ROE the price implies6.6%7.7%4th least demanding of 19
ROE delivered6.7%11.0%6th lowest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Tsukuba Bank 8338.TJapan$290M-4%+19%7%0.60×6.6%6.7%
Ames National ATLOUnited States$300M+18%+8%13%1.46×7.9%12.5%
Princeton Bancorp BPRNUnited States$303M+26%-4%8%1.12×7.7%7.6%
First Community FCCOUnited States$309M+8%+19%37%1.51×n/a37.5%
Franklin Financial Services FRAFUnited States$311M+18%+7%16%1.75×8.9%16.2%
Kita-Nippon Bank 8551.TJapan$324M+98%+17%5%0.53×4.4%5.5%
John Marshall Bancorp JMSBUnited States$327M+9%+7%10%1.18×7.7%9.9%
CoastalSouth Bancshares COSOUnited States$330M+9%+8%12%1.26×7.2%11.5%
MVB Financial MVBFUnited States$337M-1%+11%7%1.02×9.5%6.7%
BayCom BCMLUnited States$340M+1%-5%3%1.02×6.6%2.8%
C&F Financial CFFIUnited States$342M+41%+8%12%1.27×7.6%11.6%
Isabella Bank ISBAUnited States$345M-5%+11%9%1.22×7.1%8.9%
Primis Financial FRSTUnited States$359M0%+17%13%0.82×7.5%13.4%
USCB Financial USCBUnited States$363M+5%+3%13%1.64×9.9%13.4%
Hypothekarbank Lenzburg HBLN.SWSwitzerland$368M0%+4%4%0.60×n/a4.3%
GronlandsBANKEN A/S GRLA.CODenmark$373M+43%-13%12%1.59×5.9%11.8%
Rogaland Sparebank ROGS.OLNorway$375M+4%0%7%0.83×5.3%6.9%
Avidbank AVBHUnited States$378M+14%-32%-6%1.28×7.3%-5.6%
Georgia Banking GBCUnited States$382Mn/an/a12%1.23×8.9%n/a
Investar ISTRUnited States$383M-2%+34%11%1.00×7.7%11.0%
Parke Bancorp PKBKUnited States$384M+6%+9%14%1.17×8.3%14.1%

Questions

Which companies are Tsukuba Bank's closest peers?
The cockpit's peer set: Ames National (ATLO), Princeton Bancorp (BPRN), First Community (FCCO), Franklin Financial Services (FRAF), Kita-Nippon Bank (8551.T), John Marshall Bancorp (JMSB), CoastalSouth Bancshares (COSO), MVB Financial (MVBF).
Is Tsukuba Bank expensive compared with its peers?
On price / book it trades at 0.60× against a peer median of 1.20×, 2nd cheapest of 21 in its peer set. The share price implies a return on equity of about 6.6%; Tsukuba Bank delivers 6.7%, so the price asks less than the business earns today.
How has Tsukuba Bank stock performed?
Over six months to 6 Nov 2026 the shares returned -4.3% against +8.3% for the median peer; over one year +79.6%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.