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    Banks - Regional
Fukuoka Financial Group, Inc.

Fukuoka Financial Group, Inc.

FKKFF
Fukuoka Financial Group, Inc.US flagOther OTC
27.21
USD
- -
- -
5.14BMarket Cap
Fukuoka Financial Group, Inc.
FKKFF
(Other OTC)

Recent

price

27.21

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
1,215.06
1,228.6
1,232.5
1,172.3
1,105.18
1,144.61
1,152.45
1,147
1,180.06
1,217.59
1,247.88
1,286.01
1,388.84
1,437.25
1,566.34
2,163.3
727.44
Revenue per Share
151.26
164.64
186.6
210.66
213.02
260.32
-316.11
287.42
300.71
581.83
234.86
284.69
165.54
324.77
381.54
451.99
163.39
Basic EPS, GAAP
3,039.66
-1,211.95
-244.8
4,355.1
5,697.79
1,759.08
6,606.84
6,695.35
-86.17
180.65
8,055.63
11,322.66
-691.15
7,742.84
-2,769.25
-1,383.57
- -
Free Cash Flow per Basic Share
41.54
41.68
41.34
59.04
64.01
64.04
65.78
69.99
80
83.4
84.96
89.94
100.38
109.93
122.59
155.16
- -
Dividend per Share
2,367.11
2,505.03
2,645.43
2,798.34
2,903.1
3,099.61
2,732.25
2,949.9
3,171.18
3,363.88
3,514.21
3,704.31
3,807.11
4,018.54
4,261.22
4,559.99
4,152
Book Value per Share
2,834.67
3,150.2
3,560.97
3,566.44
3,810.23
3,892.91
4,056.73
4,444.49
4,431.34
4,386.35
4,948.21
4,851.24
4,696.92
5,298.89
4,762.43
5,500.21
5,194.01
Tangible Book Value per Share
172
171
172
172
172
172
172
172
172
190
190
190
188
188
189
189
189
Basic Weighted Avg Shares
208,776
210,254
211,753
201,404
189,861
196,621
197,960
197,014
202,682
231,466
237,219
244,462
261,357
270,743
296,141
408,872
137,532
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
20,757
20,489
19,657
18,678
16,970
17,236
113,071
9,680
10,103
12,160
12,271
12,278
11,957
12,618
13,599
14,026
- -
Depreciation Expense
25,990
28,176
32,059
36,192
36,595
44,718
-54,300
49,369
51,649
110,607
44,647
54,118
31,152
61,178
72,136
85,428
30,891
Net Income, GAAP
43.66
7.98
34.36
29.48
39.15
34.8
- -
30.3
29.93
- -
24.85
27.95
30.85
20.97
30.34
28.62
7.09
Effective Tax Rate (%)
12.45
13.4
15.14
17.97
19.27
22.74
-27.43
25.06
25.48
47.79
18.82
22.14
11.92
22.6
24.36
20.89
22.46
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
941,196
956,545
532,331
797,498
1,391,043
1,556,265
1,932,465
2,862,698
3,717,590
4,446,965
4,484,210
5,144,819
6,664,507
8,338,175
6,310,034
7,390,008
7,990,252
LT Debt
652,305
692,764
754,281
745,778
778,092
784,689
712,056
778,971
777,307
853,060
958,832
941,064
901,750
1,021,746
929,593
1,076,715
1,007,378
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.54
6.75
7.26
7.74
7.47
8.67
-10.84
10.12
9.83
18.68
6.83
7.89
4.39
8.3
9.23
10.25
4.06
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
189
- -
189
Market Capitalization
493,210
819,316
640,811

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,449,933
- -
7,545,735
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
3.62%
2.82%
15.83%
Free Cash Flow
273%
-294.57%
-50.05%
Net Income, GAAP
-24.17%
22.3%
18.43%
Sales/Revenue/Turnover
8.08%
12.2%
38.07%
Total Cash Common Dividend
10.51%
12.88%
26.53%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
67,219
65,992
66,481
71,051
270,743
2025
- -
- -
- -
- -
296,141
2026
- -
- -
- -
- -
408,872

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
88.49
- -
- -
- -
324.77
2025
- -
- -
- -
- -
381.54
2026
- -
- -
- -
- -
451.99

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
109.93
2025
- -
- -
- -
- -
122.59
2026
- -
- -
- -
- -
155.16
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Business
Fukuoka Financial Group, Inc. Fukuoka Financial Group, Inc. is a regional financial holding company based in Kyushu, Japan, that provides comprehensive banking and financial services through its subsidiaries, including deposit-taking, lending, domestic and foreign exchange transactions; investment solutions, securities brokerage via FFG Securities Co., Ltd., credit cards through FFG Card Co., Ltd. and 18Card Co., Ltd.; loan guarantees by Fukugin Guarantee Co., Ltd., leasing via FFG Lease Co., Ltd., factoring through Mercury Asset Corporation and Jupiter Asset Corporation, insurance sales by FFG Insurance Service Co., Ltd., asset management by FFG Asset Management Co., Ltd., business consulting, system development and operation via FFG Computer Service Co., Ltd. and iBank marketing Co., Ltd., collateral valuation, credit management and collection, and research and development for banking systems. The group operates primarily in Japan with a branch network across Kyushu and other regions, extending to overseas markets including China, Thailand, and Singapore, and serves retail, corporate, and institutional customers through key banking subsidiaries such as The Bank of Fukuoka, Ltd., The Kumamoto Bank, Ltd., The Eighteenth Bank, Ltd., The Fukuoka Chuo Bank, Ltd., and the digital bank Minna Bank, Ltd. Established on April 2, 2007, and headquartered at 1-8-3 Otemon, Chuo-ku, Fukuoka, Japan, the company maintains total assets of approximately 17.2 trillion yen as of recent reports and employs around 7,930 staff. In recent developments, Fukuoka Financial Group formed a strategic partnership with ExaWizards Inc. in May 2025 to leverage AI agents for operational transformation and co-creation of new banking models using its data and the partner's AI technologies; it also maintains an equity-method affiliation in FFG Lease Co., Ltd. with Tokyo Century Corporation following adjustments in April 2024, and launched FFG Asset Management Co., Ltd. in October 2022 for investment trust management while continuing expansions in digital banking via Minna Bank, Ltd. and sustainable initiatives through Sustainable Scale Co., Ltd.