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Employees: 1,501
Size Tochigi Bank (8550.T) is a Japan Financials company (Regional Banks) with a market value of $527M, the 1041st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥795 on 6 Nov 2026.
Performance Over six months the shares fell 16.6%, against +13.8% for the median peer and +1.8% for the Japan market (cap-weighted) — lowest of 20 in its peer set.
Growth Revenue grew 26.4% over the last twelve months (peer median +3.9%); the operating margin is 22.4% (peer median 41.8%).
Valuation It trades at 0.50× book value against a peer median of 1.46× (cheapest of 21).
Price implies The share price implies a return on equity of about 5.9%; Tochigi Bank delivers 5.4%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥51.3B | ¥47.3B | ¥36.8B | ¥39.1B | ¥40.4B |
| Revenue growth | — | +29% | -6% | -3% | — |
| Net income | ¥8.68B | ¥8.29B | -¥22.3B | ¥2.10B | ¥2.65B |
| Free cash flow | n/a | ¥7.79B | ¥19.6B | -¥1.36B | ¥15.8B |
| Capital expenditure | n/a | ¥7.88B | ¥6.29B | ¥3.21B | ¥1.30B |
| Total debt | ¥46.0B | ¥45.8B | ¥33.4B | ¥34.1B | ¥41.8B |
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.
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.
| Measure | 8550.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -35.3% | +4.7% | lowest of 21 |
| 6-month return | -16.6% | +13.8% | lowest of 20 |
| Return on equity | 5.4% | 12.5% | lowest of 21 |
| Price / book | 0.50× | 1.46× | cheapest of 21 |
| Trailing P/E | 9.5× | 11.3× | 4th cheapest of 21 |
| ROE the price implies | 5.9% | 8.9% | 3rd least demanding of 21 |
| ROE delivered | 5.4% | 12.5% | lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Tochigi Bank 8550.T | Japan | $527M | -17% | +26% | 5% | 0.50× | 5.9% | 5.4% |
| Orange County Bancorp OBT | United States | $530M | +14% | +3% | 17% | 1.71× | 9.6% | 17.2% |
| Northrim BanCorp NRIM | United States | $523M | -5% | +3% | 17% | 1.47× | 12.6% | 16.6% |
| West Bancorporation WTBA | United States | $520M | +27% | 0% | 15% | 1.92× | 13.1% | 15.5% |
| Morrow Bank MORROW.ST | Sweden | $518M | +30% | +4% | 11% | 1.57× | 5.7% | 11.4% |
| Sierra Bancorp BSRR | United States | $537M | +9% | -1% | 14% | 1.48× | 11.4% | 14.0% |
| Northpointe Bancshares NPB | United States | $545M | -11% | +14% | 13% | 0.87× | 5.9% | 13.1% |
| ChoiceOne Financial Services COFS | United States | $547M | +17% | +19% | 12% | 1.17× | 8.8% | 11.9% |
| Citizens & Northern CZNC | United States | $501M | +29% | +25% | 11% | 1.46× | 8.5% | 11.0% |
| Farmers & Merchants Bancorp FMAO | United States | $500M | +31% | +7% | 11% | 1.29× | 10.3% | 11.3% |
| Colony Bankcorp CBAN | United States | $555M | +2% | +21% | 11% | 1.10× | 8.1% | 10.8% |
| Bank7 BSVN | United States | $556M | +33% | -1% | 16% | 2.03× | 14.5% | 16.0% |
| Bankwell Financial BWFG | United States | $559M | +34% | +10% | 14% | 1.67× | 10.9% | 14.3% |
| Southern First Bancshares SFST | United States | $563M | +5% | +9% | 11% | 1.22× | 9.7% | 10.5% |
| Bridgewater Bancshares BWB | United States | $568M | +10% | +10% | 12% | 1.19× | 9.0% | 11.5% |
| First Bank FRBA | United States | $488M | +30% | +1% | 10% | 1.06× | 7.8% | 9.6% |
| Danske Andelskassers Bank A/S DAB.CO | Denmark | $484M | -8% | -7% | 8% | 1.10× | 4.8% | 7.7% |
| Private Bancorp of America PBAM | United States | $484M | n/a | +4% | 17% | 1.66× | 8.6% | 16.8% |
| Unity Bancorp UNTY | United States | $575M | +7% | +10% | 17% | 1.48× | 10.4% | 17.1% |
| Home Bancorp HBCP | United States | $480M | -5% | +1% | 10% | 1.06× | 7.7% | 10.2% |
| Djurslands Bank A/S DJUR.CO | Denmark | $478M | +27% | +2% | 15% | 1.58× | 5.9% | 14.6% |