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    Banks - Regional
The Bank Of Kochi, Ltd.

The Bank Of Kochi, Ltd.

8416.T
The Bank Of Kochi, Ltd.JP flagTokyo Stock Exchange
1,229.00
JPY
-35.00
- -
12.46BMarket Cap
The Bank Of Kochi, Ltd.
8416.T
(Tokyo Stock Exchange)

Recent

price

1,229.00

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
2,221.16
2,189.72
2,325.8
2,254.76
2,280.75
2,206.02
2,075.14
2,038.19
2,055.36
2,048.15
2,049.83
2,007.02
2,079.28
2,096.41
2,106.14
- -
1,048.95
Revenue per Share
229.8
312.9
207.77
310.88
386.56
296.84
217.23
172.39
95.29
133.86
86.71
158.77
158.47
123.7
85.12
- -
48.82
Basic EPS, GAAP
986.18
2,142.33
552.01
2,256.93
1,658.62
-275.95
2,558.54
1,784.29
-2,086
1,753.24
7,841.7
-3,465.65
-3,263.08
-2,344.41
2,505.52
- -
- -
Free Cash Flow per Basic Share
31.46
49.96
67.44
47.46
51.25
45.73
44.81
43.71
43.3
43.4
43.41
43.6
43.75
42.72
36.92
- -
- -
Dividend per Share
2,803.23
3,065.61
3,204.84
3,459.49
3,792.01
4,047.29
4,210.83
4,347.94
4,418.25
4,518.34
4,579.59
4,707.76
5,165.97
4,500.25
4,553.96
- -
4,571.41
Book Value per Share
4,862.45
5,372.75
5,820.2
6,027.78
6,668.57
6,899.52
7,018.81
7,233.77
7,243.67
6,877.51
7,466.88
7,347.21
7,580
6,074.46
5,289.86
- -
5,963.26
Tangible Book Value per Share
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
- -
10
Basic Weighted Avg Shares
22,453
22,135
23,519
22,854
23,140
22,384
21,073
20,655
20,792
20,717
20,732
20,301
21,007
21,201
21,279
23,967
10,615
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,084
985
909
820
722
838
962
971
1,006
857
825
833
803
822
931
916
- -
Depreciation Expense
2,323
3,163
2,101
3,151
3,922
3,012
2,206
1,747
964
1,354
877
1,606
1,601
1,251
860
596
494
Net Income, GAAP
9.18
17.44
17.52
13.87
22.57
10.44
23.38
33.37
39.93
40.35
48.02
28.47
34.1
28.44
21.84
44.92
36.89
Effective Tax Rate (%)
10.35
14.29
8.93
13.79
16.95
13.46
10.47
8.46
4.64
6.54
4.23
7.91
7.62
5.9
4.04
2.49
4.65
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
11,274
16,168
18,191
35,163
59,450
61,711
88,704
77,982
60,338
66,974
105,807
102,515
66,049
43,340
54,464
75,402
51,868
LT Debt
50,706
55,566
59,805
61,855
68,523
70,863
71,967
73,866
73,651
69,810
75,730
74,532
77,028
61,960
54,158
49,474
60,898
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.55
10.66
6.63
9.34
10.67
7.57
5.26
4.02
2.17
3
1.91
3.42
3.21
2.56
1.88
1.29
1.08
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
10
- -
10
Market Capitalization
10,669
9,340
7,995

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
64,516
- -
76,458
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
-3.19%
-7.81%
-8.65%
Free Cash Flow
-151.16%
-79.95%
-14.75%
Net Income, GAAP
-8.82%
-0.2%
-30.7%
Sales/Revenue/Turnover
0.79%
3.06%
12.63%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,428
5,158
5,488
5,127
21,201
2025
- -
- -
- -
- -
21,279
2026
- -
- -
- -
- -
23,967

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
19.7
- -
- -
- -
123.7
2025
- -
- -
- -
- -
85.12
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
42.72
2025
- -
- -
- -
- -
36.92
2026
- -
- -
- -
- -
- -
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Business
The Bank Of Kochi, Ltd. (8416.T) operates as a regional bank providing comprehensive banking, leasing, and credit card services primarily in Kochi Prefecture, Japan. Founded in 1930 and headquartered at 2-24 Sakai-machi, Kochi-shi, Kochi 780-8602, the company engages in deposit-taking including savings and term deposits; lending operations such as business loans, mortgage loans, education loans, car loans, systemic financing, industry-academia collaboration funds, agriculture, forestry, and fisheries support investment loans, and private placement bonds; foreign exchange services encompassing foreign currency deposits, exchange, remittances, and trade deals; investment products like investment trusts and funds; credit cards; leasing arrangements; insurance agency services; and ancillary offerings such as internet banking, mobile banking, custody services, trust contract agency, store security, cash clearance, merchandise sales, worker dispatch, and regional trading company operations supporting local product branding and sales channel development. It maintains a network of 72 branches focused on individual and corporate clients in Japan, with approximately 721 employees generating trailing twelve-month revenue of JPY 14.05 billion. Recent developments include the promotion of Yuko Kawai to president in 2025, marking the first female leader of a Japanese regional bank, alongside ongoing strategic emphases on digital services like internet investment trusts and campaigns for asset formation, public pension deposits, and low-rate financing for eco-cars and education loans.