Company profile

THE TOWA BANK,LTD.

EDINET
E03640
Securities
8558
Industry
Banks
Latest annual securities report
2026-08-06 Amended Annual Securities Report PDF HTML
Latest financial report
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Latest filing
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Compare this company

Industry position

Banks

View details
Profitability Weak Based on ROE Current Bottom 2% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 17% 5-year trend Deteriorating
Growth Weak Based on Revenue growth Current Bottom 2% 5-year trend Broadly stable

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 -¥29.84 billion, down 567.0% year over year. Net income moved into a loss of -¥24.5 billion. ROE was -27.1%; equity ratio was 3.7%; free cash flow was ¥116.26 billion.

Revenue -¥29.84B down 567.0% year over year
Operating income —
Net income -¥24.5B down 642.0% year over year
Total assets¥2.42T
Total equity—
Operating cash flow¥1.39B
Free cash flow¥116.26B

Industry position details

Banks

Annual data for the same fiscal year and industry

FY2026 Comparison sample 83

Profitability Weak
Based on ROE

ROE Bottom 100%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 85%

Growth Weak
Based on Revenue growth

Revenue growth Bottom 100%

Profitability Industry position history Broadly stable
2026 Bottom 2% 2025 Top 45% 2024 Bottom 35% 2023 Bottom 42% 2022 Bottom 4%
Financial strength Industry position history Deteriorating
2026 Bottom 17% 2025 Bottom 26% 2024 Top 49% 2023 Top 31% 2022 Top 32%
Growth Industry position history Broadly stable
2026 Bottom 2% 2025 Top 22% 2024 Bottom 43% 2023 Bottom 36% 2022 Bottom 11%
Profitability ROE -27.1% Industry median 5.6% Bottom 100%
Financial strength Equity ratio 3.7% Industry median 4.9% Bottom 85%
Growth Revenue growth -567.0% Industry median +32.7% Bottom 100%

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 -29837000000 -29837000000 -24499000000 -24499000000 1619000000 2416250000000 2325715000000 90535000000 88570000000 90535000000 1386000000 114878000000 -2304000000 116264000000 281037000000 -687.18 2532.72 35775873 0.0374692188 0.0371 -0.2706025294 -0.0101392654 1.0 0.8210946141 -0.0464523913 -3.896638402 -5.670057912 -5.670057912 -6.4201327434 0.0140581084 -0.0069759024 1.0871643293 17.6520539049 0.8718647461 12.9343050708 0.682090785 -6.6160509971 -0.0377727189 0.0 1232
FY2025 Consolidated Japanese GAAP 6389000000 6389000000 4520000000 4520000000 -9499000000 2382753000000 2291582000000 91171000000 115111000000 91171000000 -15901000000 6159000000 -17981000000 -9742000000 167076000000 122.36 5.03 615.4708 22883372367.5284 2458.71 37180273 0.0382628833 0.0379 0.0495771682 0.0018969654 1.0 0.7074659571 -2.4888088903 -1.5248082642 0.4738177624 0.4738177624 0.2804532578 -0.0095196566 -0.2313055942 -17.8979808714 -0.1705050505 -15.0544642857 -2.164475257 -0.1423203285 0.3619768477 -0.1678593146 -0.0198886237 1232
FY2024 Consolidated Japanese GAAP 4335000000 4335000000 3530000000 3530000000 1989000000 2405654000000 2287048000000 118605000000 128526000000 118605000000 941000000 7425000000 -1120000000 8366000000 194800000000 89.84 7.99 717.8216 32072465053.2968 2772.96 44680273 0.0493026013 0.0489 0.0297626576 0.0014673764 1.0 0.8143021915 0.2170703576 1.9298731257 0.0872836719 0.0872836719 -0.1377625794 0.0063834638 0.0077917885 1.0044940708 -0.6683491156 -0.000893655 1.0447382072 0.0386342067 -0.1490812654 0.0 -0.0433789954 1257
FY2023 Consolidated Japanese GAAP 3987000000 3987000000 4094000000 4094000000 -6445000000 2390395000000 2272706000000 117688000000 126068000000 117688000000 -209387000000 22388000000 -1119000000 -186999000000 187554000000 105.58 5.15 543.7370 24294317600.2010 2754.45 44680273 0.0492337041 0.0489 0.0347868942 0.0017126877 1.0 1.026837221 -52.5174316529 -46.9021820918 0.0740840517 0.0740840517 1.3461318052 -0.068720934 -0.060067567 -42.8941576631 3.0511223087 0.1385681293 -30.6036842995 -0.5007506548 1.5132111402 0.0 -0.0415754923 1314
FY2022 Consolidated Japanese GAAP 3712000000 3712000000 1745000000 1745000000 -8614000000 2566787000000 2441577000000 125209000000 122927000000 125209000000 4998000000 -10915000000 -1299000000 -5917000000 375672000000 42.01 12.82 538.5682 24063374205.1186 2960.72 44680273 0.0487804403 0.0484 0.0139366978 0.0006798383 1.0 0.4700969828 1.3464439655 -1.5940193966 -0.0930857562 -0.0930857562 -0.3006012024 0.0059992632 -0.0732330148 -0.9719556947 0.673184023 0.2970779221 -1.0408576164 -0.0188436797 -0.3263309814 0.0 -0.0304101839 1371
FY2021 Consolidated Japanese GAAP 4093000000 4093000000 2495000000 2495000000 6626000000 2551480000000 2416376000000 135103000000 122425000000 135103000000 178218000000 -33398000000 -1848000000 144820000000 382887000000 62.36 11.03 687.8308 30732467921.8084 3237.95 44680273 0.0529508364 0.0526 0.0184673915 0.0009778638 1.0 0.6095773271 43.5421451258 35.382360127 -0.3103622578 -0.3103622578 -0.1384668508 0.095305881 0.0370759866 13.8465511496 -1.5195787116 -0.1059245961 0.8984570612 0.5959210724 -0.1479710343 0.0 -0.0180555556 1414
FY2020 Consolidated Japanese GAAP 5935000000 5935000000 2896000000 2896000000 -4072000000 2329468000000 2199195000000 130273000000 121623000000 130273000000 12004000000 64279000000 -1671000000 76283000000 239916000000 73.19 8.59 628.7021 28090581463.6733 3095.2 44680273 0.0559239277 0.0556 0.0222302396 0.0012432023 1.0 0.4879528222 2.0225779275 12.8530749789 0.0023644655 0.0023644655 -0.3962893475 0.0114814162 -0.0418214315 1.3821104568 2.1715207407 0.9312317379 1.8841023145 0.4513711185 -0.4134476679 0.0 -0.033557047 1440
FY2019 Consolidated Japanese GAAP 5921000000 5921000000 4797000000 4797000000 3633000000 2303026000000 2167067000000 135959000000 120265000000 135959000000 -31415000000 -54868000000 -24299000000 -86283000000 165303000000 124.78 5.7 711.246 31778665450.158 3253.14 44680273 0.0590349392 0.0587 0.0352826955 0.0020829118 1.0 0.8101672015 -5.3056916061 -14.5723695322 -0.6183201186 -0.6183201186 -0.5758245645 -0.0121534212 -0.1316186145 -1.6395822305 -27.3409090909 -14.3888537049 -2.8287270569 -0.4008112282 -0.5763419686 -0.0337224384 1490
FY2018 Consolidated Japanese GAAP 15513000000 15513000000 11309000000 11309000000 6716000000 2331360000000 2174793000000 156566000000 139081000000 156566000000 49118000000 -1936000000 -1579000000 47182000000 275878000000 294.53 4.75 1399.0175 3265.77 0.0671565095 0.0668 0.072231519 0.0048508167 1.0 0.7290014826 3.1662476633 3.0414491072 0.442533011 0.442533011 0.3222261195 0.035148315 0.0343128188 -0.3475378914 -2.1641611545 -0.2744148507 -0.3868007902 0.1981307843 12.4243391067 0.0164798945 1542
FY2017 Consolidated Japanese GAAP 10754000000 10754000000 8553000000 8553000000 5022000000 2252199000000 2100826000000 151372000000 129322000000 151372000000 75281000000 1663000000 -1239000000 76944000000 230257000000 21.94 5.37 117.8178 312.91 0.0672107571 0.0669 0.0565031842 0.0037976218 1.0 0.7953319695 7.000278966 7.1549190999 0.0059869036 0.0059869036 0.0484187301 0.0397594361 0.0260282515 -0.1589372898 1.039333018 0.0103833866 0.6292375124 0.4900375976 0.0548076923 0.0160750167 1517

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