Komori
T

THE TOWA BANK,LTD.

8558BanksSmall cap
1,263JPY-20.4%
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Price history
¥1,263Latest+163.1%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

The Group consists of the Bank and two consolidated subsidiaries and is engaged primarily in banking and other financial services, including leasing. Through its head office, branches and banking offices, the Bank provides deposit-taking, lending, domestic and foreign exchange and other banking services, offering comprehensive financial services to local communities. Its consolidated subsidiaries include 東和銀リース株式会社 (leasing services) and 東和カード株式会社 (credit card services). As shown in the business structure chart, the Group is organized around banking as its core business.

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Key numbersShowing 8 of 16
PER
16.74How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
0.56How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
-3.5%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥49bnShare price × number of shares. The value of the entire company.
Equity ratio
3.7%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
22.9%The average annual growth in sales over the past three years.
Forward P/E
8.82Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
Progress disclosures on the key performance indicators under the medium-term management plan, TOWA Future Plan I, including core operating profit of ¥4.2 billion and a standalone capital adequacy ratio of 8.54%.
Results and disclosure periods at fiscal year-end 2025 through fiscal 2026Impact HighLikelihood Medium
Completion and progress of the share buyback (maximum amount and acquisition period: 2025/5/9–2026/1/30) and the planned cancellation (scheduled for 2026/2/27)
Through February 2026Impact MediumLikelihood High
Disclosure of the quantitative results of DX and low-cost initiatives, including the expense ratio, operating efficiency, and usage of digital channels such as the app
During FY2025 to FY2026Impact MediumLikelihood Medium
ESG/sustainability: progress toward the ¥300 billion cumulative target for executed loans and investments (¥112.9 billion as of the end of March 2025, rising to ¥145.6 billion by the end of March 2026)
Quarterly to annual disclosuresImpact LowLikelihood Medium
What to watch next
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Who owns itTop holders total 32.8%
Listed holders 32.8%Everyone else 67.2%
The Master Trust Bank of Japan, Ltd. (Trust Account)12.41%
Custody Bank of Japan, Ltd. (Trust Account).6.18%
THE TOCHIGI BANK,LTD.4.90%
東和銀行従業員持株会2.61%
ＭＵＲＡＫＡＭＩ　ＴＡＫＡＴＥＲＵ1.49%
SBI Holdings, Inc.1.49%
JP MORGAN CHASE BANK 3587811.34%
社会福祉法人広聖会1.21%
1 other listed holders1.16%
Who owns it
HolderOwnership (%)
The Master Trust Bank of Japan, Ltd. (Trust Account)12.41
Custody Bank of Japan, Ltd. (Trust Account).6.18
THE TOCHIGI BANK,LTD.4.90
東和銀行従業員持株会2.61
ＭＵＲＡＫＡＭＩ　ＴＡＫＡＴＥＲＵ1.49
SBI Holdings, Inc.1.49
JP MORGAN CHASE BANK 3587811.34
社会福祉法人広聖会1.21
1 other listed holders1.16
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