THE FIRST BANK OF TOYAMA,LTD.

7184 TSE Financials Banks
TSE Prime
¥3,465.00
+3.59%
Delayed · cached 15 min

Fair value analysis

7184
THE FIRST BANK OF TOYAMA,LTD.
FinancialsBanks
¥3,465.00
Close used for this calculation
¥4,806.73Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
54/100
Profitability19/25
Returns6/25
Balance Sheet11/25
Efficiency18/25
Growth23/25
Good
Quality radar
54Prof.19/25Ret.6/25Eff.18/25B.Sht11/25Growth23/25

Consensus fair value

¥4,806.73
Below FV
▲ +38.7% against the close used
Model range ¥2,023.87 – ¥7,166.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear¥2,023.87Fair value¥4,806.73Bull¥7,166.40
FairClose
52-week traded range
52W low ¥1,262.0052W high ¥3,465.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

THE FIRST BANK OF TOYAMA,LTD. closed at ¥3,465.00, 27.9% below the consensus fair value of ¥4,806.73 drawn from 8 valuation models.

Financial DNA score 54/100 — Good. P/E of 14.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥5,483.86
+58.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥4,114.68
+18.7%
√(22.5 × EPS × BVPS)
EPS=238.88, BVPS=3150
P/E Fair Value
¥4,777.60
+37.9%
EPS × 20x (sector P/E)
EPS=238.88, Sector P/E=20x
Peter Lynch (PEG)
¥7,166.40
+106.8%
EPS × Growth% (PEG = 1 is fair)
EPS=238.88, g=30%
Dividend Discount (DDM)
¥4,528.06
+30.7%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=83.85, r=10%, g=8%
Book Value (P/B)
¥2,023.87
-41.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3150, ROE=8.6%, g=6%, r=10%
Reverse DCF
¥3,465.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 2.8% | Historical: 44.2%
Margin of Safety
¥3,594.04
+3.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=4792.05, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.