Company profile

The Toho Bank, Ltd.

EDINET
E03550
Securities
8346
Industry
Banks
Latest annual securities report
2026-06-15 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-07-01 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Average Based on ROE Current Top 47% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 10% 5-year trend Broadly stable
Growth Strong Current Top 14% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥17.09 billion, up 52.6% year over year. Net income was ¥12.35 billion, up 65.9% year over year. ROE was 5.7%; equity ratio was 3.2%; free cash flow was -¥285.23 billion.

Revenue ¥17.09B up 52.6% year over year
Operating income —
Net income ¥12.35B up 65.9% year over year
Total assets¥6.74T
Total equity—
Operating cash flow-¥90.3B
Free cash flow-¥285.23B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Average
Based on ROE

ROE Top 49%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 92%

Growth Strong

Revenue growth Top 15% / 3-year revenue CAGR Top 16%

Profitability Industry position history Broadly stable
2026 Top 47% 2025 Bottom 28% 2024 Bottom 22% 2023 Bottom 19% 2022 Top 49%
Financial strength Industry position history Broadly stable
2026 Bottom 10% 2025 Bottom 10% 2024 Bottom 7% 2023 Bottom 4% 2022 Bottom 3%
Growth Industry position history Deteriorating
2026 Top 14% 2025 Bottom 44% 2024 Top 25% 2023 Bottom 12% 2022 Top 0%
Profitability ROE 5.7% Industry median 5.6% Top 49% Comparison sample 83
Financial strength Equity ratio 3.2% Industry median 4.9% Bottom 92% Comparison sample 83
Growth Revenue growth +52.6% Industry median +32.7% Top 15% Comparison sample 83
Growth 3-year revenue CAGR +36.6% Industry median +21.3% Top 16% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 17090000000 17090000000 12353000000 12353000000 23450000000 6742383000000 6524636000000 217747000000 209854000000 217747000000 -90295000000 -194932000000 -2952000000 -285227000000 946209000000 49.44 13.06 645.6864 163035816000.0000 871.38 252500000 0.0322952582 0.0322 0.0567309768 0.0018321415 1.0 0.7228203628 -5.2834991223 -16.6897015799 0.526301688 0.526301688 0.6592343855 0.0133984344 0.1040033666 0.5641607337 0.4434855099 -0.0405357772 0.4883343379 -0.2334596306 0.6601746138 0.0 0.0094152626 2037
FY2025 Consolidated Japanese GAAP 11197000000 11197000000 7445000000 7445000000 -6121000000 6653240000000 6456005000000 197234000000 200408000000 197234000000 -207175000000 -350273000000 -2837000000 -557448000000 1234389000000 29.78 11.95 355.8710 89857427500.0000 789.86 252500000 0.0296448046 0.0296 0.0377470416 0.0011190037 1.0 0.6649102438 -18.5027239439 -49.7854782531 0.3456315347 0.3456315347 0.4175552171 -0.015584512 -0.0433846318 -2.812903621 -0.1566616364 -0.6379907621 -1.9564525624 -0.3121935727 0.4303554275 0.0 0.0306435138 2018
FY2024 Consolidated Japanese GAAP 8321000000 8321000000 5252000000 5252000000 16885000000 6758569000000 6552389000000 206179000000 195677000000 206179000000 114278000000 -302831000000 -1732000000 -188553000000 1794675000000 20.82 17.29 359.9778 90894394500.0000 817.31 252500000 0.0305063098 0.0305 0.0254730113 0.0007770876 1.0 0.6311741377 13.7336858551 -22.659896647 0.2421256904 0.2421256904 0.1689294458 0.0219940059 0.0794033883 1.1503962645 -5.0979641973 0.0898581188 0.7670767517 -0.0958633927 0.1683501684 0.0 -0.0086075949 1958
FY2023 Consolidated Japanese GAAP 6699000000 6699000000 4493000000 4493000000 162000000 6613120000000 6422107000000 191012000000 192187000000 191012000000 -759846000000 -49661000000 -1903000000 -809507000000 1984960000000 17.82 12.17 216.8694 54759523500.0000 757.81 252500000 0.0288837946 0.0288 0.0235220824 0.000679407 1.0 0.670697119 -113.4267801164 -120.8399761158 -0.3443280806 -0.3443280806 -0.3346660743 -0.0731973048 -0.0089654457 -2.5133450309 -0.119297692 -0.4948939513 -2.7685289768 -0.2901657184 -0.3348264278 0.0 0.0010136847 1975
FY2022 Consolidated Japanese GAAP 10217000000 10217000000 6753000000 6753000000 3295000000 7135413000000 6942672000000 192740000000 189231000000 192740000000 502097000000 -44368000000 -1273000000 457729000000 2796371000000 26.79 7.65 204.9435 51748233750.0000 764.67 252500000 0.0270117511 0.027 0.0350368372 0.0009464063 1.0 0.6609572281 49.1432905941 44.8007242831 3.4998776609 3.4998776609 2.4478987993 0.0505092724 0.0070747077 -0.4134463068 0.6678171677 0.0 -0.3664185746 0.1950768171 2.4481081081 0.0 -0.0304668305 1973
FY2021 Consolidated Japanese GAAP -4087000000 -4087000000 -4664000000 -4664000000 1661000000 6792337000000 6600950000000 191386000000 184116000000 191386000000 856012000000 -133565000000 -1273000000 722447000000 2339909000000 -18.5 759.3 252500000 0.0281767527 0.0281 -0.0243695986 -0.0006866562 1.0 1.1411793492 -209.4475165158 -176.7670663078 -1.9339579525 -1.9339579525 -2.7103043638 0.1281542571 0.0020996413 5.9207686869 -1.6686909548 0.3725973386 27.0213714995 0.4455197031 -2.7097966728 0.0 -0.0373699149 2035
FY2020 Consolidated Japanese GAAP 4376000000 4376000000 2727000000 2727000000 -2124000000 6020752000000 5829766000000 190985000000 189480000000 190985000000 -173959000000 199741000000 -2029000000 25782000000 1618732000000 10.82 24.95 269.9590 68164647500.0000 757.7 252500000 0.0317211206 0.0317 0.0142786083 0.0004529335 1.0 0.6231718464 -39.7529707495 5.8916819013 -0.2442141623 -0.2442141623 -0.2393305439 0.0187133903 -0.0212272007 0.5821738326 -0.6745426283 0.8922235207 -0.8693795249 0.0148904502 -0.2390998594 0.0 -0.023556582 2114
FY2019 Consolidated Japanese GAAP 5790000000 5790000000 3585000000 3585000000 -2824000000 5910153000000 5715026000000 195127000000 188667000000 195127000000 -416343000000 613724000000 -18826000000 197381000000 1594982000000 14.22 20.81 295.9182 74719345500.0000 774.13 252500000 0.0330155581 0.033 0.0183726496 0.0006065833 1.0 0.6191709845 -71.907253886 34.0899827288 -0.4745439695 -0.4745439695 -0.5115138302 -0.019412313 -0.0242088734 -11.0191397229 0.9586456927 -0.5931285436 -0.2917822326 0.1260601499 -0.5115080728 -0.0172492056 2165
FY2018 Consolidated Japanese GAAP 11019000000 11019000000 7339000000 7339000000 5825000000 6027154000000 5827186000000 199968000000 187036000000 199968000000 -34640000000 313341000000 -11817000000 278701000000 1416427000000 29.11 13.98 406.9578 793.34 0.0331778481 0.0331 0.0367008721 0.001217656 1.0 0.6660314003 -3.1436609493 25.2927670388 0.0306800112 0.0306800112 0.0370213367 0.0006428389 0.0194179212 0.7848661003 63.3440111421 -4.5090909091 2.6784970068 0.2321620883 0.0370502316 0.0031876138 2203
FY2017 Consolidated Japanese GAAP 10691000000 10691000000 7077000000 7077000000 25000000 6023282000000 5827122000000 196159000000 181512000000 196159000000 -161016000000 -5026000000 -2145000000 -166042000000 1149546000000 28.07 14.92 418.8044 778.22 0.0325667966 0.0325 0.0360778756 0.0011749408 1.0 0.6619586568 -15.0608923394 -15.5310073894 -0.3762543757 -0.3762543757 -0.6118576208 0.0270402624 -0.0106920047 0.3909329904 -1.031359972 -0.3431433939 -0.5950699828 -0.127634919 -0.6127207506 0.0353606789 2196

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp