The Hyakugo Bank, Ltd.

The Hyakugo Bank, Ltd.

8368.T
The Hyakugo Bank, Ltd.JP flagTokyo Stock Exchange
2,069.00
JPY
-18.00
- -
502.08BMarket Cap
The Hyakugo Bank, Ltd.
8368.T
(Tokyo Stock Exchange)

Recent

price

2,069.00

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
282.66
298.81
290.09
295.79
283.34
291.34
293.23
317.36
303.56
317.19
337.49
360.82
360.86
413.54
418.15
544.9
213.46
Revenue per Share
28.96
30.49
37.17
45.4
41.97
53.73
35.63
46.07
42.73
45.02
51.05
52.82
57.15
56.44
72.87
110.3
23.83
Basic EPS, GAAP
482.74
645.94
673.03
541.88
298.66
-55.19
328.31
32.52
1,020.33
75.14
2,286.03
208.89
-2,205.53
313.04
-2,894.31
99.09
- -
Free Cash Flow per Basic Share
7
7.48
7.49
7.97
7.99
8
8
8
8.5
8.99
9.49
10.49
11.48
15.01
15.97
25.02
- -
Dividend per Share
702.83
731.05
760.84
801.32
847.6
893.97
922.05
960.27
994.51
1,030.17
1,071.26
1,114.07
1,160.41
1,204.34
1,287.64
1,395.33
1,249.38
Book Value per Share
894.86
962.26
1,094.89
1,159.73
1,396.59
1,310.47
1,334.61
1,387.68
1,382.36
1,289.78
1,537.97
1,570.32
1,534.17
1,949.8
1,739.82
2,099.15
1,823.49
Tangible Book Value per Share
257
255
254
254
254
254
254
254
254
254
254
254
254
253
248
243
250
Basic Weighted Avg Shares
72,554
76,186
73,808
75,050
71,884
73,921
74,399
80,524
77,022
80,509
85,714
91,553
91,507
104,638
103,531
132,588
53,335
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4,307
4,060
3,157
2,997
2,899
2,481
2,973
3,225
3,520
3,914
4,243
4,249
3,937
3,756
3,854
4,038
- -
Depreciation Expense
7,433
7,774
9,458
11,520
10,648
13,634
9,040
11,690
10,843
11,427
12,965
13,402
14,493
14,281
18,042
26,839
5,954
Net Income, GAAP
26.12
41.85
36.89
36.57
33.85
32.47
28.86
29.66
29.15
27.05
29.02
29.12
29.15
28.17
29.09
27.2
28.23
Effective Tax Rate (%)
10.24
10.2
12.81
15.35
14.81
18.44
12.15
14.52
14.08
14.19
15.13
14.64
15.84
13.65
17.43
20.24
11.16
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
57,105
120,765
133,417
206,885
149,388
85,263
82,704
297,427
556,314
569,098
900,784
1,131,832
837,852
1,099,857
550,054
471,629
619,180
LT Debt
234,019
248,503
281,720
297,196
357,050
335,651
342,759
357,390
355,858
331,954
394,675
401,845
392,033
496,918
435,448
516,650
459,076
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.16
4.24
4.98
5.81
5.09
6.17
3.92
4.9
4.37
4.45
4.86
4.83
5.02
4.77
5.79
8.15
1.94
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
250
- -
246
Market Capitalization
164,583
172,904
136,174

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,411,071
- -
951,156
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
5.05%
6.48%
18.65%
Free Cash Flow
263.58%
-493.66%
-103.36%
Net Income, GAAP
9.24%
17.03%
48.76%
Sales/Revenue/Turnover
6.37%
9.62%
28.07%
Total Cash Common Dividend
12.6%
21.66%
53.97%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26,422
24,881
23,079
30,256
104,638
2025
- -
- -
- -
- -
103,531
2026
- -
- -
- -
- -
132,588

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
20.06
- -
- -
- -
56.44
2025
- -
- -
- -
- -
72.87
2026
- -
- -
- -
- -
110.3

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
15.01
2025
- -
- -
- -
- -
15.97
2026
- -
- -
- -
- -
25.02
Business
The Hyakugo Bank, Ltd. (8368.T) operates as a regional bank in Japan, providing comprehensive banking and financial services to individual and corporate customers primarily in Mie and Aichi Prefectures. The bank offers deposit products including ordinary, fixed-term, savings-term, green, and foreign currency deposits; loan services such as multi-purpose car, education, loan-free, housing, renovation, student, card, and other purpose loans; domestic and foreign exchange services; investment trust and insurance counter sales; financial product intermediation; merger and acquisition advisory; syndicated loans; credit and debit cards; medical, cancer, disability, income protection, individual annuity, term, whole life, student, accident, overseas travel, and fire insurance; foreign remittance; pension and inheritance-related services; currency exchange; direct debit reception; fund transfer; direct and phone banking; fund raising and business support; fund settlement; convenience store storage; leasing consultation; management consulting; system development consultation; bills receivable management; night deposits; and corporation cards. It also provides credit card and guarantee services, regional industry survey and consulting, computer information processing, financial instruments transactions, cash examination and arrangement, collateralized real estate survey and appraisal, employment placement and labor management, printing, storage, and administrative services for documents and account books, as well as management and administrative services for bank notes and bonds; operations include 85 branches and 30 sub-branches in Mie Prefecture, 21 branches in Aichi Prefecture, 1 branch in Wakayama Prefecture, 2 branches in Tokyo and Osaka, and representative offices in Singapore, Shanghai, and Bangkok, with 205 ATMs. Founded in 1878 and headquartered in Tsu, Mie Prefecture, Japan, the bank operates through Banking, Leasing, and Others segments, with subsidiaries including Hyakugo Computer Soft, Ltd. for lease services, fund development, computer-related contracted services, and software sales; Hyakugo Securities for investment-related activities; and maintains a focus on small and medium-sized enterprises, consumer loans, housing loans, and sustainable finance initiatives targeting carbon neutrality and regional decarbonization support. Recent developments include the completion of a share buyback program in August 2025, acquiring 3,434,000 shares for ¥2.5 billion to enhance shareholder value and refine capital structure; a partnership with Net Protections in May 2024 to introduce BNPL services aimed at streamlining operations and boosting customer sales; provision of banking apps to Kawasaki Shinkin Bank in November 2025; an overseas coordinated financing deal with Japan Finance Corporation using the overseas business support package in November 2025; and the launch of the "Hyakugo Decarbonization Support Services" with local government collaborations in Ise and Toba cities for decarbonization seminars and subsidies, alongside ongoing execution of the medium-term management plan "KAI-KAKU 150 2nd STAGE 'Gateway to the Future II'" emphasizing loan growth, productivity increases, and ESG strategies with targets for ¥15 billion consolidated net income, ROE above 3.5%, and ¥1 trillion in sustainable finance by FY2030.