Company profile

THE TOCHIGI BANK, LTD.

EDINET
E03639
Securities
8550
Industry
Banks
Latest annual securities report
2026-06-19 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 Below average Based on ROE Current Bottom 39% 5-year trend Improving
Financial strength Average Based on Equity ratio Current Bottom 46% 5-year trend Broadly stable
Growth Very strong Based on Revenue growth Current Top 5% 5-year trend Improving

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 ¥10.02 billion, up 142.4% year over year. Net income returned to profit at ¥8.29 billion. ROE was 5.0%; equity ratio was 4.8%; free cash flow was -¥221.33 billion.

Revenue ¥10.02B up 142.4% year over year
Operating income —
Net income ¥8.29B up 137.1% year over year
Total assets¥3.42T
Total equity—
Operating cash flow-¥171.18B
Free cash flow-¥221.33B

Industry position details

Banks

Annual data for the same fiscal year and industry

FY2026 Comparison sample 83

Profitability Below average
Based on ROE

ROE Bottom 63%

Financial strength Average
Based on Equity ratio

Equity ratio Bottom 56%

Growth Very strong
Based on Revenue growth

Revenue growth Top 7%

Profitability Industry position history Improving
2026 Bottom 39% 2025 Bottom 2% 2024 Bottom 7% 2023 Bottom 5% 2022 Bottom 19%
Financial strength Industry position history Broadly stable
2026 Bottom 46% 2025 Bottom 46% 2024 Bottom 39% 2023 Top 42% 2022 Top 47%
Growth Industry position history Improving
2026 Top 5% 2025 Bottom 2% 2024 Bottom 16% 2023 Bottom 39% 2022 Top 30%
Profitability ROE 5.0% Industry median 5.6% Bottom 63%
Financial strength Equity ratio 4.8% Industry median 4.9% Bottom 56%
Growth Revenue growth +142.4% Industry median +32.7% Top 7%

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 10019000000 10019000000 8289000000 8289000000 13371000000 3419343000000 3254389000000 164954000000 158384000000 164954000000 -171176000000 -50153000000 -1510000000 -221329000000 461641000000 79.71 10.78 859.2738 94183282670.4000 1567.66 109608000 0.0482414312 0.0477 0.0502503728 0.0024241499 1.0 0.8273280767 -17.0851382373 -22.0909272382 1.4237976397 1.4237976397 1.3712379076 0.0256263897 0.0774757827 -0.7520752515 -1.2381965586 -1.2470238095 -2.9611976536 -0.3255506807 1.3699698306 0.0 -0.0079312624 1501
FY2025 Consolidated Japanese GAAP -23641000000 -23641000000 -22328000000 -22328000000 2004000000 3333907000000 3180813000000 153093000000 151576000000 153093000000 -97699000000 210553000000 -672000000 112854000000 684471000000 -215.45 1461.32 109608000 0.0459199972 0.0454 -0.145845989 -0.0066972474 1.0 0.9444608942 4.1326086037 -4.7736559367 -6.5836088805 -6.5836088805 -11.6273203237 0.0058424361 0.0087769585 -7.711017997 43.8127287515 -0.0566037736 10.706846473 0.1958791526 -11.6185312962 0.0 -0.0200777202 1513
FY2024 Consolidated Japanese GAAP 4234000000 4234000000 2101000000 2101000000 -2480000000 3314542000000 3162781000000 151761000000 174561000000 151761000000 14558000000 -4918000000 -636000000 9640000000 572358000000 20.29 17.93 363.7997 39875357517.6000 1450.18 109608000 0.0457864163 0.0453 0.0138441365 0.0006338734 1.0 0.4962210675 3.4383561644 2.2768068021 -0.1635717108 -0.1635717108 -0.2077677225 0.0107921161 -0.0201255181 1.0500455491 0.8483830194 0.296460177 1.0298145559 0.0159792387 -0.2071121532 0.0 -0.0550795594 1544
FY2023 Consolidated Japanese GAAP 5062000000 5062000000 2652000000 2652000000 -6776000000 3279153000000 3124274000000 154878000000 173205000000 154878000000 -290895000000 -32437000000 -904000000 -323332000000 563356000000 25.59 10.7 273.813 30012095304.000 1481.7 109608000 0.047231099 0.0467 0.017123155 0.0008087454 1.0 0.5239035954 -57.4664164362 -63.8743579613 -0.0921807747 -0.0921807747 -0.2690187431 -0.0676248916 -0.0478245633 -2.0404602569 0.2448784803 -0.6587155963 -2.3664205691 -0.3653056212 -0.2635971223 0.0 -0.0393885949 1634
FY2022 Consolidated Japanese GAAP 5576000000 5576000000 3628000000 3628000000 -4888000000 3516989000000 3354331000000 162657000000 171500000000 162657000000 279583000000 -42956000000 -545000000 236627000000 887602000000 34.75 6.35 220.6625 24186375300.0000 1542.79 109608000 0.0462489362 0.0458 0.0223046042 0.0010315642 1.0 0.6506456241 50.1404232425 42.4366929699 0.2322651934 0.2322651934 0.7433925997 0.0784588141 -0.0336270252 -0.1205343802 0.0204100249 0.6750149076 -0.1365553731 0.3624686476 0.7427281846 0.0 -0.0351673284 1701
FY2021 Consolidated Japanese GAAP 4525000000 4525000000 2081000000 2081000000 10291000000 3261125000000 3092807000000 168317000000 168572000000 168317000000 317901000000 -43851000000 -1677000000 274050000000 651466000000 19.94 9.52 189.8288 20806755110.4000 1600.18 109608000 0.0516131703 0.0512 0.0123635759 0.0006381233 1.0 0.4598895028 70.2543646409 60.5635359116 0.0209837545 0.0209837545 0.1421514819 0.1150205045 0.054109233 13.1882085156 -2.4234522601 -1.4094827586 27.5557986871 0.7184451678 0.1420389462 0.0 -0.0078784468 1763
FY2020 Consolidated Japanese GAAP 4432000000 4432000000 1822000000 1822000000 -8790000000 2924722000000 2765045000000 159677000000 163310000000 159677000000 22406000000 -12809000000 -696000000 9597000000 379102000000 17.46 8.87 154.8702 16975012881.6000 1473.88 109608000 0.0545956163 0.0526 0.011410535 0.0006229652 1.0 0.411101083 5.0555054152 2.1653880866 0.2491544532 0.2491544532 0.2776998597 0.0111992753 -0.0559309909 2.7582986738 0.7497509036 0.2266666667 1.1501220123 0.0240519938 0.2763157895 0.0 -0.0089235917 1777
FY2019 Consolidated Japanese GAAP 3548000000 3548000000 1426000000 1426000000 3131000000 2892330000000 2723192000000 169137000000 161990000000 169137000000 -12743000000 -51185000000 -900000000 -63928000000 370198000000 13.68 17.17 234.8856 25745340844.8000 1566.38 109608000 0.0584777671 0.0564 0.0084310352 0.0004930281 1.0 0.4019165727 -3.5916009019 -18.0180383315 -0.4823460753 -0.4823460753 -0.6824053452 0.0076404012 0.0135125418 -1.6437759336 -1.8227540947 -0.0135135135 -1.7851696946 -0.1490307587 -0.6826722338 -0.0142935679 1793
FY2018 Consolidated Japanese GAAP 6854000000 6854000000 4490000000 4490000000 3806000000 2870399000000 2703516000000 166882000000 161386000000 166882000000 -4820000000 -18133000000 -888000000 -22953000000 435031000000 43.11 9.51 409.9761 1549.76 0.0581389556 0.0562 0.0269052384 0.0015642425 1.0 0.6550919171 -0.7032389845 -3.3488473884 -0.4604424152 -0.4604424152 -0.4132253006 0.0090276084 0.0217786622 -1.3597283379 -1.1221324173 0.0033670034 -1.1417998505 -0.0519494671 -0.4137086903 0.0532715692 1819
FY2017 Consolidated Japanese GAAP 12703000000 12703000000 7652000000 7652000000 504000000 2844718000000 2681393000000 163325000000 157775000000 163325000000 13399000000 148470000000 -891000000 161869000000 458869000000 73.53 6.97 512.5041 1526.42 0.0574134238 0.0558 0.04685137 0.0026898976 1.0 0.6023773912 1.054790207 12.7425804928 -0.3135368819 -0.3135368819 -0.3169686691 0.0140700573 -0.002101803 0.4935904581 18.4587155963 0.8264172998 8.7505571953 0.5403922911 -0.2602615694 -0.0063291139 1727

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