# TOMATO BANK,LTD.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第143期(2025/04/01－2026/03/31) (S100YJ7V)
> Page: https://vizora.meequs.com/en/company/tomato-bank
> Retrieved: 2026-09-30T19:52:41.454Z

## Company

Tomato Bank, founded in 1931, is a company in Regional Banks listed on TSE Standard. It has 746 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | TOMATO BANK, LTD. |
| Ticker | 8542 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8542.T) |
| Listing | TSE Standard |
| Head office | 岡山県岡山市北区番町2丁目3番4号 |
| Representative (per filing) | 取締役社長 髙木晶悟 |
| Founded | Nov 1931 |
| Employees (consolidated) | 746 |
| Average salary (parent only) | ¥5.9M |
| Fiscal year end | March |
| Website | www.tomatobank.co.jp (https://www.tomatobank.co.jp/) |
| Corporate number | 7260001006096 |
| EDINET | E03678 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YJ7V, filed 2026-06-25). As of filing

## Key points (generated from figures)

- About 77% of Tomato Bank's ordinary revenue comes from Banking business, with Leasing business and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥11 is left as ordinary profit.
- Ordinary revenue changed +3.6% from the prior year, ordinary profit +8.6%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥26.6B |  |
| Ordinary income | ¥2.83B | Margin 10.6% |
| Net income | ¥1.97B | Margin 7.4% |
| Employees (consolidated) | 746 |  |
| EPS | ¥143.94 |  |
| Diluted EPS | ¥92.73 |  |
| Book value per share | ¥3877.52 |  |
| Equity ratio | 4.1% |  |
| Shares outstanding | 11,679,000 |  |
| Treasury shares | 62,500 |  |
| Shareholders | 7,785 |  |
| Average salary (parent only) | ¥5.9M | Filing company only |

## Notable figures

- FY2026, operating cash flow is 4.9× net income

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥22580000000 | ¥26577000000 | +17.7% |
| Employees | 806 people | 746 people | -7.4% |
| Cash and equivalents | ¥100392000000 | ¥106741000000 | +6.3% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 74.8% |
| リース業 → リース業 | 22.4% |
| リース業 → 事業再編・廃止 | 1.8% |
| その他 → その他 | 1.0% |
| 新設・再編 → 銀行業 | 1.7% |
| 新設・再編 → その他 | 0.0% |

Segment revenue source references: 6 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking business | 5 years | +3.8% | ¥20349000000 | 12.7% | 2 |
| Leasing business | 5 years | +1.8% | ¥5964000000 | 5.2% | 2 |
| Other | 5 years | +4.1% | ¥263000000 | 3.8% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 26,577 | 100.0% | S100YJ7V |
| Ordinary expenses | 23,749 | 89.4% | S100YJ7V |
| Ordinary income | 2,827 | 10.6% | S100YJ7V |
| Extraordinary income | 0 | 0.0% | S100YJ7V |
| Extraordinary loss | 57 | 0.2% | S100YJ7V |
| Pretax income | 2,770 | 10.4% | S100YJ7V |
| Income tax | 800 | 3.0% | S100YJ7V |
| Net income | 1,970 | 7.4% | S100YJ7V |
| Net income attributable to owners | 1,970 | 7.4% | S100YJ7V |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 89 |
| Ordinary income | 11 |
| (Ref.) Net income | 7 |

### Margin funnel

Ordinary margin 10.6% → Net margin 7.4%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +3.6%; Core profit growth: +8.6%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 2.41×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 25,661 | 26,577 | 916 | +3.6% |
| Net income attributable to owners | 1,817 | 1,970 | 153 | +8.4% |
| Operating cash flow | 8,640 | 9,685 | 1,045 | +12.1% |
| Free cash flow | 8,094 | 8,939 | 845 | +10.4% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 19,578 | — | — | 1,912 | -3,313 | — | S100LULY |
| FY ending Mar 2018 | 19,006 | — | — | 1,556 | -32,165 | — | S100OHA6 |
| FY ending Mar 2019 | 18,369 | — | — | 1,753 | -58,409 | — | S100R7T9 |
| FY ending Mar 2020 | 22,447 | — | — | 1,371 | -23,805 | -24,162 | S100LULY |
| FY ending Mar 2021 | 22,580 | — | — | 1,519 | 47,318 | 46,665 | S100OHA6 |
| FY ending Mar 2022 | 22,817 | — | — | 1,659 | 90,735 | 90,101 | S100R7T9 |
| FY ending Mar 2023 | 23,041 | — | — | 1,879 | -110,251 | -110,617 | S100TW9C |
| FY ending Mar 2024 | 24,065 | — | — | 1,530 | 6,805 | 6,320 | S100W5EN |
| FY ending Mar 2025 | 25,661 | — | — | 1,817 | 8,640 | 8,094 | S100YJ7V |
| FY ending Mar 2026 | 26,577 | — | — | 1,970 | 9,685 | 8,939 | S100YJ7V |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥35.6M |
| Net income per employee (consolidated) | ¥2.6M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 773 | 767 | 768 | 756 | 746 |
| Average salary (parent company) | ¥5.3M | ¥5.4M | ¥5.5M | ¥5.6M | ¥5.9M |
| Average age (parent company) | 40.9 years | 40.6 years | 40.5 years | 40.4 years | 40.0 years |
| Average tenure (parent company) | 17.5 years | 17.1 years | 17.0 years | 16.8 years | 16.3 years |

Year over year: Employees (consolidated) -1.3% · Revenue (consolidated) +3.6%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking business | 20,349 | 76.6% | 2,575 | 12.7% |
| Leasing business | 5,964 | 22.4% | 311 | 5.2% |
| Other | 263 | 1.0% | 10 | 3.8% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking business | 76.6% |
| Leasing business | 22.4% |
| Other | 1.0% |

Segment → industry: Banking business → Regional Banks / Other → Credit Cards & Consumer Credit / Leasing business → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | 9,685 | 36.4% | S100YJ7V |
| Capital expenditure | 746 | 2.8% | S100YJ7V |
| Free cash flow | 8,939 | 33.6% | 算出 |
| Investing cash flow | -7,799 | -29.3% | S100YJ7V |
| Financing cash flow | -815 | -3.1% | S100YJ7V |
| Dividends paid | 745 | 2.8% | S100YJ7V |
| Share buyback | 2 | 0.0% | S100YJ7V |
| Change in cash | 1,070 | 4.0% | S100YJ7V |
| Cash and equivalents | 106,741 | 401.6% | S100YJ7V |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| トマト銀行職員持株会 | Major shareholder | 3.6% | 2026-03-31 |
| 株式会社中国銀行 | Major shareholder | 3.5% | 2026-03-31 |
| 朝日生命保険相互会社 | Major shareholder | 2.9% | 2026-03-31 |
| 株式会社みずほ銀行 | Major shareholder | 2.9% | 2026-03-31 |
| 加藤清行 | Major shareholder | 2.3% | 2026-03-31 |
| 山佐株式会社 | Major shareholder | 1.9% | 2026-03-31 |
| 大川良彰 | Major shareholder | 1.6% | 2026-03-31 |
| 三井住友信託銀行株式会社 | Major shareholder | 1.6% | 2026-03-31 |
| 岡山県 | Major shareholder | 1.6% | 2026-03-31 |
| 損害保険ジャパン株式会社 | Major shareholder | 1.5% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第143期(2025/04/01－2026/03/31) | S100YJ7V | 2026-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YJ7V,, |
| 有価証券報告書－第142期(2024/04/01－2025/03/31) | S100W5EN | 2025-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W5EN,, |
| 有価証券報告書－第141期(2023/04/01－2024/03/31) | S100TW9C | 2024-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TW9C,, |
| 有価証券報告書－第140期(2022/04/01－2023/03/31) | S100R7T9 | 2023-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R7T9,, |
| 有価証券報告書－第139期(令和3年4月1日－令和4年3月31日) | S100OHA6 | 2022-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OHA6,, |
| 有価証券報告書－第138期(令和2年4月1日－令和3年3月31日) | S100LULY | 2021-06-30 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LULY,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).