The Towa Bank Ratios and Metrics

Market cap in millions JPY. Fiscal year is April - March.

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 15, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Market Capitalization	39,274	22,645	26,570	20,088	19,893	25,318
Market Cap Growth	60.90%	-14.77%	32.27%	0.98%	-21.43%	8.96%
Last Close Price	1154.00	595.81	658.25	475.70	450.21	549.37
PE Ratio	6.93	5.01	8.00	5.15	11.40	11.00
PS Ratio	0.96	0.63	0.83	0.63	0.66	0.79
PB Ratio	0.45	0.25	0.22	0.17	0.16	0.19
P/FCF Ratio	-	-	-	-	-	0.47
P/OCF Ratio	-	-	-	-	-	0.46
Debt / Equity Ratio	1.36	1.33	1.01	0.99	2.34	2.21
Debt / FCF Ratio	-	-	-	-	-	5.54
Net Debt / Equity Ratio	-0.89	-0.51	-0.63	-0.62	-0.67	-0.63
Net Debt / FCF Ratio	-	2.17	8.53	0.33	3.13	-1.57
Return on Equity (ROE)	6.67%	4.31%	2.99%	3.38%	1.38%	1.92%
Return on Assets (ROA)	0.25%	0.19%	0.15%	0.17%	0.07%	0.10%
Earnings Yield	15.45%	19.96%	13.29%	20.38%	8.77%	9.86%
FCF Yield	-	-94.05%	-33.13%	-1089.73%	-134.36%	213.03%
Dividend Yield	3.10%	5.87%	3.80%	5.25%	5.55%	5.46%
Payout Ratio	-	33.23%	31.70%	27.31%	74.38%	66.93%
Buyback Yield / Dilution	3.60%	36.55%	3.44%	-1.85%	-8.03%	-4.44%
Total Shareholder Return	6.70%	42.42%	7.24%	3.41%	-2.48%	1.02%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.