1. Japan Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
The 77 Bank, Ltd.

The 77 Bank, Ltd.

8341.T
The 77 Bank, Ltd.JP flagTokyo Stock Exchange
3,495.00
JPY
-55.00
- -
779.73BMarket Cap
The 77 Bank, Ltd.
8341.T
(Tokyo Stock Exchange)

Recent

price

3,495.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
456.31
477.87
447.77
434.32
441.77
441.85
426.52
453.49
446.81
487.95
506.27
505.42
518.88
642.11
705.72
828.96
326.2
Revenue per Share
-133.92
47.66
55.49
67.1
75.93
70.62
71.91
82.29
79.3
82.32
74.3
100.27
112.91
134.13
176.5
242.22
54.48
Basic EPS, GAAP
1,519.47
4,676.23
1,309.72
987.89
-501.15
-696.36
300.99
-490.84
-883.62
60.53
3,608.23
2,848.39
-3,084.39
-482.15
-1,529.64
-2,047.69
- -
Free Cash Flow per Basic Share
11.66
9.99
11.64
11.66
13.32
14.99
15.06
15.04
15.09
16.76
16.76
17.61
26.9
35.24
48.62
70.56
- -
Dividend per Share
1,203.8
1,237.85
1,281.69
1,336.8
1,392.67
1,448.17
1,498.27
1,575.43
1,638.92
1,708.93
1,768.08
1,852.42
1,937.53
2,034.79
2,159.34
2,328.09
2,100.01
Book Value per Share
1,343.61
1,415.32
1,636.91
1,767.38
2,100.91
2,013.01
2,088.04
2,203.48
2,193.47
2,015.35
2,314.36
2,313.54
2,272.79
2,707.63
2,579.13
3,102.58
2,707.3
Tangible Book Value per Share
227
224
224
224
225
225
224
223
223
222
222
222
222
222
222
223
222
Basic Weighted Avg Shares
103,781
107,174
100,438
97,474
99,187
99,213
95,576
100,926
99,561
108,238
112,218
112,072
115,145
142,665
157,017
184,831
72,503
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,996
3,591
3,716
3,759
4,336
4,336
3,856
3,625
4,378
3,227
3,300
3,397
3,010
3,150
2,853
2,947
- -
Depreciation Expense
-30,458
10,690
12,446
15,059
17,049
15,857
16,114
18,314
17,670
18,261
16,468
22,234
25,056
29,802
39,270
54,007
12,110
Net Income, GAAP
- -
61.94
38.06
42.18
43.9
35.07
27.54
26.86
21.78
30.23
33.65
31.48
29.24
32.58
30.2
31.12
35.7
Effective Tax Rate (%)
-29.35
9.97
12.39
15.45
17.19
15.98
16.86
18.15
17.75
16.87
14.68
19.84
21.76
20.89
25.01
29.22
16.7
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
169,071
29,321
30,623
88,175
91,925
4,466
190,731
126,046
132,747
294,607
604,679
1,197,221
669,667
810,032
712,325
557,618
741,741
LT Debt
306,499
318,012
367,531
397,010
472,027
452,310
468,194
490,736
489,077
447,435
513,337
513,314
504,487
601,699
573,943
691,902
601,842
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-10.49
3.88
4.4
5.13
5.57
4.97
4.88
5.34
4.94
4.91
4.27
5.54
5.96
6.76
8.42
10.81
2.66
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
222
- -
223
Market Capitalization
306,685
331,545
290,055

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,288,993
- -
1,262,619
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
20.55%
Free Cash Flow
536.29%
-12.38%
34.15%
Net Income, GAAP
14.12%
27.19%
37.53%
Sales/Revenue/Turnover
6.73%
10.86%
17.71%
Total Cash Common Dividend
18.32%
34.55%
45.43%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
36,730
33,432
30,430
42,073
142,665
2025
- -
- -
- -
- -
157,017
2026
- -
- -
- -
- -
184,831

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
38.22
- -
- -
- -
134.13
2025
- -
- -
- -
- -
176.5
2026
- -
- -
- -
- -
242.22

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
35.24
2025
- -
- -
- -
- -
48.62
2026
- -
- -
- -
- -
70.56
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Business
The 77 Bank, Ltd. (8341.T) operates as a regional bank primarily providing banking, leasing, and financial services to corporate and individual customers in Japan, with a focus on the Tohoku region. Founded in 1878 and headquartered in Sendai, Miyagi Prefecture, the company offers deposit products including savings, time deposits, foreign currency deposits, tax reserves, fixed deposits, and certificates of deposit; lending products such as mortgage, housing, home, reverse mortgage, car, education, student, agribusiness, and medical/welfare loans; securities investment including interest-bearing government bonds, local/municipal bonds, and investment trusts; domestic and foreign exchange services; agency services; debt and credit guarantees; over-the-counter sales of investment products; credit card services; leasing; and online banking services. It conducts operations mainly within Japan, with a representative office in Singapore and branches across the six Tohoku prefectures including a recently opened Aomori Branch in 2022 and Utsunomiya Corporate Office in 2023; subsidiaries encompass 77 Lease Co., Ltd., 77 Shin-Yo Hosyo Co., Ltd., 77 Credit Services Co., Ltd., 77 Digital Solutions Co., Ltd., and 77 Insurance Service Co., Ltd., newly consolidated in fiscal 2024. Recent developments include the start of operations at 77 Solar Park Tomiya in October 2024, establishment of the Group Business Strategy Division in November 2024 to enhance Group governance and coordination across 11 subsidiaries, investments such as a debt facility to Nihon Agri in February 2025 and bionto in September 2025, planned launch of a Singapore subsidiary 77 NEXT CONSULTING PTE. LTD. in January 2025 for ASEAN/India consulting, upward revision of fiscal 2025 profit forecasts with record first-half ordinary profits and net income, increased interim dividends and year-end dividend forecast targeting a 35%+ payout ratio by fiscal 2026 under Vision 2030, and strengthened consulting sales with specialized teams yielding higher fees from business matchings, M&A, and foreign exchange derivatives.