8542
TOMATO BANK,LTD.
株式会社トマト銀行
Banks
Tomato Bank, Ltd. provides banking products and services for individual and corporate customers in Japan. It accepts fixed, ordinary, time, reserve, and foreign currency deposits; and offers general accounts, as well as loan products, such as card, housing, renovation, free, car, education, and other loans. The company also provides debit and credit cards; life supporting plans; life and non-life insurance products and services; trust, and public bonds. In addition, it offers pension, investment trust, electronic money charge, payment and transfer, safe deposit box, and Internet and mobile banking services. Further, the company provides consulting, business support, fund management, and ATM services. Further, it engages in leasing business. The company was formerly known as Sanyo Mutual Bank, Ltd. and changed its name to Tomato Bank, Ltd. in April 1989. Tomato Bank, Ltd. was incorporated in 1931 and is headquartered in Okayama, Japan.
Price
¥1,490
Market Cap
¥18.8B
Ent. Value
—
Net Cash
est
—
Shares Out.
12.6M
P / E
10.4×
EV / EBIT
—
⚠ TSE Capital Mandate
P / Book
0.37×
P / NCAV
N/M
Div. Yield
3.36%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥1,364.0B | ¥1,342.5B | ¥1,311.2B | ¥1,401.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥11.7B | ¥11.9B | ¥12.2B | ¥12.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥498M | ¥560M | ¥612M | ¥713M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥2.8B | ¥1.9B | ¥2.4B | ¥1.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥1,308.2B | ¥1,285.7B | ¥1,257.0B | ¥1,347.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | ¥623M | ¥674M | ¥912M | ¥742M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | ¥143M | ¥132M | ¥146M | ¥132M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥55.9B | ¥56.8B | ¥54.2B | ¥54.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | ¥14.3B | ¥14.3B | ¥14.3B | ¥17.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥22.4B | ¥22.4B | ¥22.5B | ¥19.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥19.4B | ¥18.3B | ¥17.5B | ¥16.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-256M | ¥-254M | ¥-338M | ¥-336M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥17M | ¥2.1B | ¥242M | ¥2.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥55.8B | ¥54.8B | ¥54.0B | ¥52.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥4,426 | ¥4,340 | ¥4,290 | ¥4,196 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥8.6B | ¥6.8B | ¥-110.3B | ¥90.7B |
| D&A | ¥765M | ¥781M | ¥795M | ¥790M |
| Investing CF | ¥-1.2B | ¥8.9B | ¥2.1B | ¥-13M |
| CapEx | ¥420M | ¥344M | ¥270M | ¥322M |
| Financing CF | ¥-845M | ¥-840M | ¥-828M | ¥2.2B |
| Dividends Paid | ¥-745M | ¥-743M | ¥-712M | ¥-754M |
| Share Buybacks | ¥-2M | ¥-50M | ¥-1M | ¥-7.0B |
| Free Cash Flow | ¥8.2B | ¥6.5B | ¥-110.5B | ¥90.4B |
| Net Change in Cash | ¥6.6B | ¥14.8B | ¥-109.0B | ¥92.9B |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| ROE | 3.2% | 2.8% | 3.5% | 3.1% |
| ROA | 0.1% | 0.1% | 0.1% | 0.1% |
| EPS | ¥143.50 | ¥118.66 | ¥149.18 | ¥129.88 |
| DPS | ¥50.00 | ¥50.00 | ¥50.00 | ¥50.00 |
| BPS | ¥3,974.78 | ¥4,058.14 | ¥3,839.12 | ¥3,888.90 |
| FCF/Share | ¥651 | ¥512 | ¥-8,786 | ¥7,186 |
| Payout Ratio | 34.8% | 42.1% | 33.5% | 38.5% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 8
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
Custody Bank of Japan, Ltd. (Trust Account)
株式会社日本カストディ銀行（信託口４）
|
537 | 4.25% |
| 2 |
Stock Ownership Plan
トマト銀行職員持株会
|
475 | 3.76% |
| 3 | 株式会社もみじ銀行 | 440 | 3.49% |
| 4 |
The Chugoku Bank, Limited
株式会社中国銀行
|
439 | 3.47% |
| 5 |
Asahi Mutual Life Insurance
朝日生命保険相互会社
|
366 | 2.90% |
| 6 |
Mizuho Bank
株式会社みずほ銀行
|
360 | 2.85% |
| 7 |
Japan Custody Bank
株式会社日本カストディ銀行（信託口）
|
225 | 1.78% |
| 8 |
Sumitomo Mitsui Trust Bank
三井住友信託銀行株式会社
|
200 | 1.58% |
| 9 | 岡山県 | 198 | 1.56% |
| 10 | 損害保険ジャパン株式会社 | 192 | 1.52% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
7.6%
-4.7% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
0.0%
+0.0% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
19.6%
+1.5% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 27.2% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Japan Custody Bank 日本カストディ銀行 | 8.44% | 8.18% | 6.03% -2.15% | |
| Stock Ownership Plan トマト銀行職員持株会 | 3.92% | 3.82% | 3.76% -0.06% | |
| 式会社もみじ銀行 | 3.50% | 3.49% | 3.49% | |
| The Chugoku Bank, Limited 式会社中国銀行 | 3.49% | 3.47% | 3.47% | |
| Asahi Mutual Life Insurance 朝日生命保険相互会社 | 2.90% | 2.90% | 2.90% | |
| Mizuho Bank みずほ銀行 | 2.86% | 2.85% | 2.85% | |
| Sumitomo Mitsui Trust Bank 三井住友信託銀行 | 1.58% | 1.58% | 1.58% | |
| 岡山県 | 1.57% | 1.56% | 1.56% | |
| 損害保険ジャパン NEW ENTRY | — | — | — | 1.52% NEW |
| Japan Master Trust Bank 日本マスタートラスト信託銀行 last seen 2024 | Exited Top 10 | 4.77% | 2.52% | — |
| Concentration (HHI) ⓘ | 155 | 134 | 98 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥5,800M
+26% since 2023
Holdings
37
+2 new
5 exited
Trend
3 building
vs 2023
| Held Company | FY2025 ¥5,800M total | FY2023 ¥4,596M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
PILOT CORPORATION
株式会社パイロットコーポレーション
|
1,144 |
276,000
|
1,186 | 276,000 | M |
|
Chugin Financial Group, Inc.
株式会社ちゅうぎんフィナンシャルグループ
|
869 |
520,885
|
463 | 520,885 | |
|
Yamaguchi Finacial Group,Inc.
株式会社山口フィナンシャルグループ
|
633 |
360,825
|
292 | 360,825 | |
|
Mizuho Financial Group, Inc.
株式会社みずほフィナンシャルグループ
|
317 |
78,386
|
147 | 78,386 | |
|
Sumitomo Mitsui Trust Group, Inc.
三井住友トラストグループ株式会社
|
310 |
NEW
New
83,446
|
— | ||
|
Nissan Tokyo Sales Holdings Co., Ltd.
日産東京販売ホールディングス株式会社
|
256 |
500,000
|
172 | 500,000 | |
|
Sompo Holdings, Inc.
ＳＯＭＰＯホールディングス株式会社
|
237 |
+200.0%
↑
52,500
|
91 | 17,500 | |
|
CHUDENKO CORPORATION
株式会社中電工
|
197 |
60,000
|
128 | 60,000 | M |
|
Tokyo Century Corporation
東京センチュリー株式会社
|
171 |
+50.2%
↑
117,200
|
343 | 78,050 | M |
|
THE TAIKO BANK,LTD.
株式会社大光銀行
|
169 |
118,300
|
131 | 118,300 | M |
|
OHMOTO GUMI CO.,LTD
株式会社大本組
|
160 |
+500.0%
↑
129,360
|
158 | 21,560 | M |
|
THE FIRST BANK OF TOYAMA, LTD.
株式会社富山第一銀行
|
159 |
139,000
|
81 | 139,000 | M |
|
Chugai Ro Co.,Ltd.
中外炉工業株式会社
|
136 |
37,000
|
68 | 37,000 | M |
|
San ju San Financial Group,Inc
株式会社三十三フィナンシャルグループ
|
116 |
49,280
|
77 | 49,280 | |
|
TAY TWO CO.,LTD
株式会社テイツー
|
102 |
800,000
|
131 | 800,000 | |
|
The Ehime Bank, Ltd.
株式会社愛媛銀行
|
101 |
94,800
|
79 | 94,800 | M |
|
Harima-Kyowa Co.,LTD.
ハリマ共和物産株式会社
|
82 |
42,240
|
69 | 42,240 | |
|
THE TOCHIGI BANK, LTD.
株式会社栃木銀行
|
71 |
225,000
|
61 | 225,000 | M |
|
The Kita-Nippon Bank,Ltd.
株式会社北日本銀行
|
62 |
19,600
|
38 | 19,600 | M |
|
HAGIHARA INDUSTRIES INC.
萩原工業株式会社
|
62 |
40,000
|
50 | 40,000 | |
|
ALPHA CO.,LTD.
株式会社アルファ
|
60 |
39,000
|
45 | 39,000 | M |
|
The Chugoku Electric Power Company, Incorporated
中国電力株式会社
|
52 |
61,000
|
41 | 61,000 | M |
| 株式会社八十二銀行 | 52 |
NEW
New
49,276
|
— | ||
|
HALOWS CO.,LTD.
株式会社ハローズ
|
46 |
10,900
|
34 | 10,900 | |
|
THE TOTTORIBANK,LTD.
株式会社鳥取銀行
|
37 |
29,300
|
33 | 29,300 | M |
|
The Minami-Nippon Bank,Ltd.
株式会社南日本銀行
|
32 |
38,900
|
24 | 38,900 | M |
|
THE DAITO BANK, LTD.
株式会社大東銀行
|
31 |
45,000
|
28 | 45,000 | M |
|
TAYCA CORPORATION
テイカ株式会社
|
30 |
23,000
|
27 | 23,000 | M |
|
THE HOWA BANK,LTD.
株式会社豊和銀行
|
20 |
43,100
|
24 | 43,100 | M |
|
MIKIKOGYO CO.,LTD.
美樹工業株式会社
|
19 |
4,000
|
16 | 4,000 | |
|
THE TOWA BANK,LTD.
株式会社東和銀行
|
15 |
24,900
|
13 | 24,900 | M |
|
NICHIWA SANGYO CO., LTD.
日和産業株式会社
|
15 |
50,000
|
11 | 50,000 | |
|
TENMAYA STORE CO.,LTD.
株式会社天満屋ストア
|
10 |
11,000
|
11 | 11,000 | M |
|
Alleanza Holdings Co., Ltd.
アレンザホールディングス株式会社
|
10 |
10,000
|
9 | 10,000 | |
|
EJ Holdings Inc.
Ｅ・Ｊホールディングス株式会社
|
9 |
6,000
|
8 | 6,000 | |
|
Jimoto Holdings,Inc.
株式会社じもとホールディングス
|
8 |
24,700
|
9 | 24,700 | |
| 株式会社ダブルツリー | — | — | M | ||
|
OKUMURA CORPORATION
株式会社奥村組
|
— |
−100%
Exit
—
|
96 | 30,800 | M |
|
Wesco Holdings Inc.
株式会社ウエスコホールディングス
|
— |
−100%
Exit
—
|
123 | 257,400 | M |
| 三井住友トラスト・ホールディングス株式会社 | — |
−100%
Exit
—
|
189 | 41,723 | |
|
Takisawa Co.
株式会社ＴＡＫＩＳＡＷＡ
|
— |
−100%
Exit
—
|
62 | 50,000 | M |
| 株式会社長野銀行 | — |
−100%
Exit
—
|
28 | 19,400 | M |
| Portfolio total | 5,800 | 4,596 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding