Tochigi Bank (TSE:8550) FCF Yield %: -170.41 (As of Jul. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:8550 Tochigi Bank Ltd TSE:8550
47 GF Score
Price 円1,009.00
GF Value 円362.86
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Tochigi Bank FCF Yield %?

Tochigi Bank TSE:8550 -1.56% 47 FCF Yield % is -170.41 as of Jul. 17, 2026. GuruFocus rates TSE:8550 with a GF Score™ of 47/100 and a GF Value™ of 円362.86 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,503 Banks companies, Tochigi Bank ranks worse than 98.47% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Tochigi Bank's Trailing 12-Month Free Cash Flow is 円-179,055 Mil, and Market Cap is 円105,070 Mil. Therefore, Tochigi Bank's FCF Yield % for today is -170.41%.

The historical rank and industry rank for Tochigi Bank's FCF Yield % or its related term are showing as below:

TSE:8550' s FCF Yield % Range Over the Past 10 Years
Min: -176.18   Med: 0   Max: 0
Current: -170.41


TSE:8550's FCF Yield % is ranked worse than
98.47% of 1503 companies
in the Banks industry
Industry Median: 7.95 vs TSE:8550: -170.41

Tochigi Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.


Tochigi Bank FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Tochigi Bank FCF Yield % Related Terms


Tochigi Bank FCF Yield % Historical Data

* Premium members only.

The historical data trend for Tochigi Bank's FCF Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Tochigi Bank FCF Yield % Chart

Tochigi Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,206.09 -1,029.96 29.95 -316.43 -199.94

Tochigi Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Tochigi Bank FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, Tochigi Bank's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Tochigi Bank FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Tochigi Bank's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Tochigi Bank's FCF Yield % falls into.


TSE:8550
47GF Score
Tochigi Bank Ltd TSE:8550
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tochigi Bank FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Tochigi Bank's FCF Yield % for the fiscal year that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=-179055 / 89554.38
=-199.94%

Tochigi Bank's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 89554.38
=0.00%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of -170.41 mean?
Tochigi Bank (TSE:8550) has a FCF Yield % of -170.41 as of Jul. 17, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Tochigi Bank and its competitors. According to the industry distribution chart, Tochigi Bank ranks #1480 out of 1503 companies in the Banks industry, placing it in the top 98.5%.
Is Tochigi Bank's FCF Yield % too high?
Tochigi Bank's current FCF Yield % is -170.41. Based on the distribution chart, Tochigi Bank ranks #1480 out of 1503 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Tochigi Bank has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tochigi Bank's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Tochigi Bank ranks #1480 out of 1503 companies for FCF Yield %. This places Tochigi Bank in the lower half of its industry. The industry median FCF Yield % is 7.95. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.95, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Tochigi Bank and its competitors. For the Banks industry, the median FCF Yield % is 7.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tochigi Bank's current FCF Yield % is -170.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tochigi Bank stock overvalued right now?
Based on GuruFocus' analysis, Tochigi Bank (TSE:8550) is currently considered Significantly Overvalued. The stock's GF Value™ is 円362.86, compared to a current price of 円1,009.00 — trading 178.1% above its estimated fair value. The current FCF Yield % is -170.41. Tochigi Bank's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Tochigi Bank (TSE:8550), the current FCF Yield % is -170.41 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tochigi Bank (TSE:8550) Overvalued in 2026?

Based on GuruFocus' analysis, Tochigi Bank stock appears to be overvalued. The current stock price of 円1,009.00 is trading 178.1% above its estimated GF Value™ of 円362.86. GuruFocus considers Tochigi Bank to be Significantly Overvalued.

Key valuation signals for TSE:8550:

  • FCF Yield %: -170.41
  • GF Value™: 円362.86 vs. price of 円1,009.00 (178.1% above fair value)
  • GF Score™: 47/100 with 4 warning signs

No single metric tells the full story. See the TSE:8550 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Tochigi Bank Business Description

Address 2- 1-18, Nishi, Tochigi Prefecture, Utsunomiya, JPN, 320-8680
Tochigi Bank Ltd is a regional bank based in Tochigi. It provides commercial banking services such as deposit services, domestic and foreign exchange services, asset management plan service, mutual fund, money life support plan, brokerage agent intermediary service, life insurance, term insurance, housing loan, as well as the over-the-counter sale of insurance products. All the business activity of the group is primarily functioned through Japan.
47GF Score

Get the complete analysis for TSE:8550

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円1,009.00
Price
円362.86
GF Value