The Bank of ToyamaThe Bank of Toyama,Ltd.8365東証スタンダード銀行業FY ending Mar 2026, consolidated, J-GAAP

What does The Bank of Toyama do with its cash?

A bank's or insurer's cash flow statement swings with deposits, loans and securities trading, so it doesn't show how earnings are used. Instead, this shows how net income is split between dividends, buybacks and retained earnings.

Operating cash flow: ¥9.37B
Capex: ¥515M; of revenue 3.7%
Free cash flow: ¥8.86B
Returned to shareholders: ¥266M; of net income: 25%
Dividend per share: ¥55
Payout ratio (reported): 28.4%

Five-year trend

Operating cash flow¥9.37B

Free cash flow¥8.86B

Net income¥1.05B

How to read this

Operating cash flow is the cash the core business actually brought in, including changes in receivables and inventory.
Free cash flow = operating cash flow − capital expenditure: a gauge of cash available for other uses.
Large "borrowing" or "cash drawdown" flows mean the company spent more than it generated that year.

Sources

Show source documents (6)

EDINET (FSA Japan)
有価証券報告書－第100期(2025/04/01－2026/03/31)
ID S100YFUZ2026-06-22Open
EDINET (FSA Japan)
有価証券報告書－第99期(2024/04/01－2025/03/31)
ID S100W4TK2025-06-25Open
EDINET (FSA Japan)
有価証券報告書－第98期(2023/04/01－2024/03/31)
ID S100TX2X2024-06-28Open
EDINET (FSA Japan)
有価証券報告書－第97期(2022/04/01－2023/03/31)
ID S100RAIT2023-06-30Open
EDINET (FSA Japan)
有価証券報告書－第96期(令和3年4月1日－令和4年3月31日)
ID S100OLMF2022-06-30Open
EDINET (FSA Japan)
有価証券報告書－第95期(令和2年4月1日－令和3年3月31日)
ID S100LRGL2021-06-30Open

Extracted from XBRL: 41 / Derived from other figures: 1

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