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¥517.55Fair value¥907.76Bull¥988.80
FairClose
52-week traded range
52W low ¥418.0052W high ¥1,009.00
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading above the consensus fair value
The Toho Bank,Ltd. closed at ¥1,009.00, 11.2% above the consensus fair value of ¥907.76 drawn from 8 valuation models.
Financial DNA score 36/100 — Average. P/E of 20.4x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
¥981.34
-2.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥983.66
-2.5%
√(22.5 × EPS × BVPS)
EPS=49.44, BVPS=869.83 · outside Graham range (P/E 20.4, P/B 1.2) — asset-light, treat as a rough floor
P/E Fair Value
¥988.80
-2.0%
EPS × 20x (sector P/E)
EPS=49.44, Sector P/E=20x
Peter Lynch (PEG)
¥805.87
-20.1%
EPS × Growth% (PEG = 1 is fair)
EPS=49.44, g=16.3%
Dividend Discount (DDM)
¥915.36
-9.3%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=16.95, r=10%, g=8%
Book Value (P/B)
¥517.55
-48.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=869.83, ROE=6%, g=6%, r=10%
Reverse DCF
¥1,009.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 7.4% | Historical: 16.3%
Margin of Safety
¥738.45
-26.8%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=984.6, 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.