The Toho Bank,Ltd.

8346 TSE Financials Banks
TSE Prime
¥1,009.00
+0.70%
Delayed · cached 15 min

Fair value analysis

8346
The Toho Bank,Ltd.
FinancialsBanks
¥1,009.00
Close used for this calculation
¥907.76Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
36/100
Profitability15/25
Returns5/25
Balance Sheet3/25
Efficiency13/25
Growth12/25
Average
Quality radar
36Prof.15/25Ret.5/25Eff.13/25B.Sht3/25Growth12/25

Consensus fair value

¥907.76
Near FV
▼ -10.0% against the close used
Model range ¥517.55 – ¥988.80
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.

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