The Tohoku Bank, Ltd. (8349.T)
ValueMarkers Composite Index
73% below intrinsic value ($36)
The Tohoku Bank, Ltd. (8349.T) — VMCI valuation read
The Tohoku Bank, Ltd. sits at VMCI 61/100, with the Financial Services sector median at 50. That 11-point spread is the first thing to note on 8349.T: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on 8349.T are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on 8349.T: 8349.T trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 3.1x is the binding constraint on the bear case, anchoring the bear scenario on a measurable balance-sheet metric.
8349.T rose 2.0% over the trailing 7 days, with a -14.5% read on a 30-day basis.
The Tohoku Bank, Ltd. provides various banking and financial services for individual and corporate customers in Japan. The company also provides saving/general accounts, time deposits, investment trust, and government bonds; debit and credit cards; payment collection services; and internet and mobile banking services. It offers various loans, such as housing, car, card, free, education, remodeling, travel, bridal, mortgage, reconstruction support, medical/long-term, and agricultural loans. In addition, the company provides medical/ cancer, personal annuity, whole life, term, and income security insurance products; and pension services. As of March 31, 2020, it operated 55 stores and 2 branch offices. The company was founded in 1950 and is headquartered in Morioka, Japan.
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Definitions, formulas, and how ValueMarkers calculates each indicator used in 8349.T’s VM Score.
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