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    Banks - Regional
The Bank of Iwate, Ltd.

The Bank of Iwate, Ltd.

8345.T
The Bank of Iwate, Ltd.JP flagTokyo Stock Exchange
2,101.00
JPY
-60.00
- -
145.04BMarket Cap
The Bank of Iwate, Ltd.
8345.T
(Tokyo Stock Exchange)

Recent

price

2,101.00

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
559.97
559.8
546.42
554.51
544.36
584.04
579.31
598.03
614.13
573.77
583.29
572.93
626.09
577.59
620.58
950.41
296.93
Revenue per Share
15.03
66.69
87.35
107.37
103.54
100.06
141.99
77.17
58.42
53.12
41.15
58.98
77.58
61.48
101.71
129.4
22.75
Basic EPS, GAAP
1,634.27
3,567.73
3,376.06
693.92
-511.67
603.92
1,654.01
-813.83
-1,037.71
-308.72
3,384.46
575.51
-1,625.15
-513.15
-2,238.85
306.95
- -
Free Cash Flow per Basic Share
15.03
15.01
14.99
16.34
14.99
17.5
17.41
17.49
17.49
17.6
16.24
15.08
23.73
21.46
25.37
40.71
- -
Dividend per Share
1,716.91
1,774.01
1,849.35
1,937.68
2,034.1
2,116.78
2,224.66
2,282.1
2,320.26
2,369.27
2,423.25
2,481.35
2,556.38
2,619.97
2,700.44
2,775.87
2,672.25
Book Value per Share
1,831.49
1,983.03
2,249.81
2,335.29
2,682
2,692.33
2,751.62
2,824.38
2,789.93
2,610.88
2,843.8
2,734.76
2,642.83
2,875.15
2,670.52
2,804.7
2,877.22
Tangible Book Value per Share
74
74
73
72
71
71
71
72
72
71
70
70
69
69
69
69
68
Basic Weighted Avg Shares
41,321
41,179
40,127
39,869
38,665
41,481
41,418
42,800
44,004
40,873
41,047
40,082
43,426
39,692
42,564
65,506
20,268
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,839
1,849
1,897
2,121
2,089
2,086
2,215
2,064
1,939
1,690
1,722
2,004
2,035
1,867
1,832
1,704
- -
Depreciation Expense
1,109
4,906
6,415
7,720
7,354
7,107
10,152
5,523
4,186
3,784
2,896
4,126
5,381
4,225
6,976
8,919
1,553
Net Income, GAAP
43.8
50.43
43.09
39.25
35.98
36.09
19.74
31.54
33.03
27.63
47.7
41.15
18.16
37.36
28.42
30.26
44.89
Effective Tax Rate (%)
2.68
11.91
15.99
19.36
19.02
17.13
24.51
12.9
9.51
9.26
7.06
10.29
12.39
10.64
16.39
13.62
7.66
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
41,178
42,448
10,724
21,435
35,854
25,977
30,930
26,563
44,623
56,552
179,687
236,934
172,528
231,077
169,276
218,717
230,972
LT Debt
136,143
146,833
167,958
170,573
192,691
193,095
198,286
203,376
200,942
187,453
201,629
193,562
185,226
199,434
184,657
194,748
197,961
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.87
3.82
4.82
5.61
5.18
4.82
6.56
3.43
2.54
2.26
1.71
2.4
3.07
2.36
3.82
4.74
0.86
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
68
- -
69
Market Capitalization
44,659
48,908
38,669

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
563,765
- -
392,165
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
0.23%
-0.52%
5.46%
Free Cash Flow
-150.94%
-62.02%
-113.78%
Net Income, GAAP
8.43%
28.87%
27.85%
Sales/Revenue/Turnover
5.78%
11.71%
53.9%
Total Cash Common Dividend
10.92%
23.43%
61.26%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,707
9,717
9,605
10,663
39,692
2025
- -
- -
- -
- -
42,564
2026
- -
- -
- -
- -
65,506

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16.46
- -
- -
- -
61.48
2025
- -
- -
- -
- -
101.71
2026
- -
- -
- -
- -
129.4

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
21.46
2025
- -
- -
- -
- -
25.37
2026
- -
- -
- -
- -
40.71
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Business
The Bank of Iwate, Ltd. (8345.T) engages primarily in regional banking operations within Japan, offering a comprehensive suite of financial products and services through three main segments: Commercial Banking Business, which includes current and time deposits, negotiable certificates of deposit, personal and small-to-medium enterprise (SME) loans, securities investment, foreign exchange, domestic exchange, trust services, corporate bond trust and registration, and related incidental activities; Leasing Business, encompassing financial leasing and computer processing contracts; and Credit Card and Credit Guarantee Business, providing credit card issuance, guarantees, and associated services. The bank additionally trades securities, manages investment funds, conducts consulting, regional economic surveys, and supports renewable energy initiatives, with operations centered on Iwate Prefecture and extending across the Tōhoku region, including branches in Morioka, Sendai, and Hachinohe. Founded in 1932 as Iwate Shokusan Bank and renamed The Bank of Iwate, Ltd. in 1960, the company maintains its headquarters in Morioka City, Iwate Prefecture, and oversees seven subsidiaries, including Iwagin Lease Co., Ltd., Iwagin DC Card Co., Ltd., Iwagin Credit Service Co., Ltd., Iwagin Research & Consulting Co., Ltd., manorda Iwate Co., Ltd., Iwagin Mirai Investment Co., Ltd., and Iwagin Jigyo Souzou Capital Co., Ltd., which collectively enhance its leasing, credit, consulting, investment fund management, and local trading capabilities. Recent strategic developments underscore the bank's focus on regional growth and diversification. In March 2025, The Bank of Iwate entered a comprehensive business alliance with Daiwa Securities Co., Ltd., aimed at enhancing asset formation and management services for local customers, with operational rollout scheduled for April 2026 to leverage Daiwa's platform alongside the bank's regional network. The bank plans to launch a Business Succession Fund in October 2025 to support management transitions for SMEs amid aging ownership and successor shortages, complemented by M&A initiatives, fund investments, and digital transformation (DX) collaborations with IT firms and startups. In 2024, it participated as a co-financier in Tokyo Century Corporation's acquisition of a U.S. data center operator, NTT Global Data Centers Joint Venture CH, LLC, aligning with broader support for overseas expansion and growth sectors like health tech and semiconductors. As of March 2025, total assets stand at ¥3,797 billion, with deposits at ¥3,422 billion, reflecting sustained lending growth to ¥2,198 billion, primarily in SME and personal segments.