The Bank of Toyama,Ltd.

8365 TSE Financials Banks
TSE Standard
¥2,326.00
-0.47%
Delayed · cached 15 min

Fair value analysis

8365
The Bank of Toyama,Ltd.
FinancialsBanks
¥2,326.00
Close used for this calculation
¥3,881.53Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
51/100
Profitability17/25
Returns3/25
Balance Sheet8/25
Efficiency23/25
Growth23/25
Good
Quality radar
51Prof.17/25Ret.3/25Eff.23/25B.Sht8/25Growth23/25

Consensus fair value

¥3,881.53
Below FV
▲ +66.9% against the close used
Model range ¥2,046.88 – ¥5,889.30
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¥2,046.88Fair value¥3,881.53Bull¥5,889.30
FairClose
52-week traded range
52W low ¥1,664.0052W high ¥2,578.00

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

Valuation summary

Trading below the consensus fair value

The Bank of Toyama,Ltd. closed at ¥2,326.00, 40.1% below the consensus fair value of ¥3,881.53 drawn from 8 valuation models.

Financial DNA score 51/100 — Good. P/E of 11.9x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥3,896.56
+67.5%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥5,068.01
+117.9%
√(22.5 × EPS × BVPS)
EPS=196.31, BVPS=5815
P/E Fair Value
¥3,926.20
+68.8%
EPS × 20x (sector P/E)
EPS=196.31, Sector P/E=20x
Peter Lynch (PEG)
¥5,889.30
+153.2%
EPS × Growth% (PEG = 1 is fair)
EPS=196.31, g=30%
Dividend Discount (DDM)
¥2,964.25
+27.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=54.89, r=10%, g=8%
Book Value (P/B)
¥2,046.88
-12.0%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=5815, ROE=3.5%, g=6%, r=10%
Reverse DCF
¥2,326.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 0% | Historical: 33.1%
Margin of Safety
¥3,222.69
+38.6%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=4296.92, 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.