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    Financial Services

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    Banks - Regional
The Awa Bank, Ltd.

The Awa Bank, Ltd.

8388.T
The Awa Bank, Ltd.JP flagTokyo Stock Exchange
7,550.00
JPY
+30.00
- -
293.52BMarket Cap
The Awa Bank, Ltd.
8388.T
(Tokyo Stock Exchange)

Recent

price

7,550.00

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
1,386.37
1,403.23
1,326.74
1,362.32
1,402.5
1,443.8
1,429.84
1,419.7
1,485.74
1,453.74
1,484.09
1,553.41
1,925.81
1,631.23
1,766.23
2,117.18
839.46
Revenue per Share
91.58
81.27
198.8
229.91
266.27
284.45
277.77
268.45
252.78
261.79
202.64
265.39
248.21
277.28
330.88
396.84
145.64
Basic EPS, GAAP
2,798.55
1,575.65
-563.67
1,100.74
827.56
345.98
-397.05
1,568.92
-159.28
450.06
7,136.4
2,206.13
-7,923.37
-853.5
628.7
267.44
- -
Free Cash Flow per Basic Share
30.17
30.01
32.48
35.01
44.95
52.8
52.69
45.1
45.26
45.37
42.97
40.51
45.62
63
85.84
112.07
- -
Dividend per Share
2,706.84
2,770.2
2,913.55
3,124.84
3,351.08
3,529.89
3,819.71
4,109.32
4,233.47
4,521.49
4,757.18
4,989.63
5,170.1
5,449.14
5,722.63
6,120.47
5,665.59
Book Value per Share
3,674.48
3,948.76
4,558.24
4,779.06
5,536.01
5,582.69
6,001.08
6,303.32
6,186.55
5,798.66
6,866.15
6,779.75
6,669.08
8,090.38
8,278.19
10,129.68
8,517.9
Tangible Book Value per Share
46
46
46
46
46
46
45
44
43
43
42
42
41
41
40
39
40
Basic Weighted Avg Shares
64,234
64,474
61,111
62,376
64,339
65,959
64,212
62,738
64,407
61,973
62,237
65,043
79,193
66,260
70,472
82,838
33,627
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,150
2,414
2,460
2,391
2,367
2,393
2,214
2,275
2,185
2,629
2,923
3,120
3,062
3,294
2,956
2,914
- -
Depreciation Expense
4,243
3,734
9,157
10,527
12,215
12,995
12,474
11,863
10,958
11,160
8,498
11,112
10,207
11,263
13,202
15,527
5,834
Net Income, GAAP
38.44
57.4
41.37
39.16
41.62
35.17
29.5
34.46
29.66
28.66
30.23
30.33
30.29
29.49
24.94
28.76
29.39
Effective Tax Rate (%)
6.61
5.79
14.98
16.88
18.99
19.7
19.43
18.91
17.01
18.01
13.65
17.08
12.89
17
18.73
18.74
17.35
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
83,107
79,182
82,555
53,195
97,617
56,514
67,849
55,155
42,877
73,634
248,061
279,225
128,110
163,519
199,514
225,597
135,580
LT Debt
173,138
184,699
213,153
221,998
257,290
257,942
272,683
282,003
272,330
252,361
292,893
288,403
278,761
332,620
334,216
399,616
345,124
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.41
2.96
7
7.59
8.23
8.25
7.5
6.72
6
5.93
4.33
5.44
4.84
5.19
5.87
6.64
2.63
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
40
- -
40
Market Capitalization
112,229
113,204
98,062

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
402,273
- -
382,951
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
4.89%
6.9%
19.57%
Free Cash Flow
-57.15%
-168.37%
-58.29%
Net Income, GAAP
2.92%
13.56%
17.61%
Sales/Revenue/Turnover
2.82%
6.77%
17.55%
Total Cash Common Dividend
7.55%
20.6%
28.03%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16,196
16,437
16,401
17,226
66,260
2025
- -
- -
- -
- -
70,472
2026
- -
- -
- -
- -
82,838

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
69.35
- -
- -
- -
277.28
2025
- -
- -
- -
- -
330.88
2026
- -
- -
- -
- -
396.84

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
63
2025
- -
- -
- -
- -
85.84
2026
- -
- -
- -
- -
112.07
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Business
The Awa Bank, Ltd. (8388.T) operates as a regional bank providing commercial banking, leasing, and related financial services primarily to individual and corporate customers, including small and medium-sized enterprises, in Japan, with a focus on the Shikoku region. The company offers deposit products such as general accounts, savings deposits, time deposits, foreign currency deposits, and certificates of deposit; investment trusts and securities investment services; a range of lending options including housing, remodeling, car, card, education, solar, industrial, and business support loans; insurance products encompassing life, fire, education, and business coverage; safe deposit boxes; foreign exchange services; internet banking; pension services; convenience services; and management and business support consulting. Through its leasing segment, operated via subsidiary Awagin Leasing Co., Ltd., it provides leasing solutions; supplementary services include credit card issuance, credit guarantees, and referrals to public bonds and Nomura Securities products. Founded in 1896 as Tokushima Commercial Bank, Ltd. and renamed The Awa Bank, Ltd. in 1964, the company is headquartered at 2-24-1 Nishisenba-cho, Tokushima City, Japan, and employs approximately 1,332 staff across its branch network. Recent developments include ongoing equity buyback programs, such as the closure in March 2025 of a repurchase of 168,900 shares for ¥499.77 million and another in late 2024 of 176,300 shares for ¥499.81 million, aimed at capital management and shareholder returns; continued investment limited partnerships like the Awagin Business Succession Investment Limited Partnership and Awagin Future Creation Investment Limited Partnership for 2024 to support regional revitalization; a comprehensive business alliance with Nomura Securities Co., Ltd. finalized in 2020, integrating financial intermediary services, asset consulting, and expanded offerings in NISA, iDeCo, bonds, and investment trusts to grow assets under management toward ¥1 trillion; and participation in syndicated financing, including a 2024 JBIC-led loan for Ajinomoto Co., Inc.'s acquisition of U.S.-based Forge Biologics.