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    Banks - Regional
Yokohama Financial Group, Inc.

Yokohama Financial Group, Inc.

CRDIY
Yokohama Financial Group, Inc.US flagOther OTC
30.34
USD
+0.32
- -
11.24BMarket Cap
Yokohama Financial Group, Inc.
CRDIY
(Other OTC)

Recent

price

30.34

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
693
708.02
649.81
674.47
668.65
658.91
675.64
608.73
816.05
367.91
Revenue per Share
294.26
157.08
130.39
115.14
62.98
134.03
142.19
142.17
214.91
74.94
Basic EPS, GAAP
2,302.53
-1,475.03
546.41
-771.63
5,032.14
3,059.73
2,413.47
-4,747.24
935.52
- -
Free Cash Flow per Basic Share
47.83
42.09
46.7
52.91
48.1
51.12
58.99
51.24
75.69
- -
Dividend per Share
1,651.83
1,796.96
1,908.93
2,028.8
2,053.5
2,135.63
2,257.17
1,984.59
2,567.4
2,484.63
Book Value per Share
2,558.55
2,698.41
2,746.56
2,685.83
2,838.33
2,855.62
2,895.92
2,688.76
3,307.68
3,301.57
Tangible Book Value per Share
430
423
416
404
402
402
395
471
385
388
Basic Weighted Avg Shares
298,280
299,342
270,523
272,601
268,887
264,887
266,860
286,581
314,419
142,834
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9,639
10,451
11,787
13,041
13,513
13,724
13,152
13,268
12,774
- -
Depreciation Expense
126,656
66,413
54,285
46,536
25,326
53,881
56,159
66,931
82,805
29,093
Net Income, GAAP
18.58
31.18
31.33
31.81
28.37
30.84
30.21
26.49
30.14
33.34
Effective Tax Rate (%)
42.46
22.19
20.07
17.07
9.42
20.34
21.04
23.36
26.34
20.37
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,954,150
1,411,927
1,045,994
828,086
1,721,474
3,180,442
4,269,539
2,320,391
2,262,436
2,253,709
LT Debt
1,113,700
1,153,999
1,160,146
1,103,972
1,159,098
1,164,624
1,161,252
1,284,765
1,292,591
1,300,064
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.03
6.98
5.76
3.08
6.4
6.42
7.33
8.61
3.09
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
1,164
- -
1,164
Market Capitalization
803,272
- -
800,863

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,133,789
- -
3,852,207
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
- -
3.29%
0.61%
Free Cash Flow
- -
-252.23%
-116.13%
Net Income, GAAP
- -
22.86%
23.72%
Sales/Revenue/Turnover
- -
3%
9.71%
Total Cash Common Dividend
- -
6.9%
20.9%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
68,565
75,182
66,830
76,004
286,581
2025
- -
- -
- -
- -
314,419
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
52.03
- -
- -
- -
142.17
2025
- -
- -
- -
- -
214.91
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
51.24
2025
- -
- -
- -
- -
75.69
2026
- -
- -
- -
- -
- -
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Business
Yokohama Financial Group, Inc. (YFG) is a Japan-based bank holding company that, through its primary subsidiaries The Bank of Yokohama, Ltd. and Higashi-Nippon Bank, Ltd., provides a comprehensive range of banking products and services including deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments, securities brokerage, leasing, factoring, venture capital, survey research, information services, residential loan guarantees, and asset management; it serves small and medium-sized enterprises, individuals, and institutional clients primarily in Kanagawa Prefecture, southwestern Tokyo, and other regions across Japan with overseas representative offices in locations such as Shanghai, Singapore, Hong Kong, Bangkok, and New York. Founded in 2016 and headquartered at Tokyo Nihombashi Tower in Chuo-ku, Tokyo, YFG operates through a network of approximately 600 domestic branches and sub-branches, focusing on regional financial solutions tailored to local economic needs. In June 2025, the company changed its name from Concordia Financial Group, Ltd. to Yokohama Financial Group, Inc. to better reflect its core brands and strategic emphasis on the Yokohama and Higashi-Nippon banking franchises; it recently completed the acquisition of an 85% stake in Sumitomo Mitsui Trust Loan & Finance Co., Ltd. from Sumitomo Mitsui Trust Bank, bolstering its specialized lending capabilities, while also raising its full-year profit and dividend forecasts alongside announcing a large share buyback program.

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