1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
Miyazaki Bank Ltd.

Miyazaki Bank Ltd.

2,341.00
JPY
+101.00
(+4.51%)
Nov 06Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
498.21
532.05
554.72
531.02
557.67
552.39
588.71
569.78
675.6
669.89
620.13
678.92
756.7
- -
Basic EPS, GAAP
80
73.03
114.76
107.99
101.89
112.94
82.68
92.72
86.65
94.15
81.9
114.78
167.32
- -
Free Cash Flow per Basic Share
870.52
1,583.51
883.78
1,557.61
-1,303.82
1,032.02
1,825.05
2,951.73
5,634.29
-2,301.69
22.91
-1,487.51
-1,329.6
- -
Dividend per Share
12.1
15
17
18.94
18
17.99
20.99
19.99
19.99
21.99
19.98
21.12
29.01
- -
Book Value per Share
1,314.72
1,474.68
1,514.75
1,615.56
1,699.39
1,760.06
1,720.87
1,838.7
1,845.05
1,889.78
2,192.58
2,232.83
2,649.79
- -
Tangible Book Value per Share
1,281.61
1,448.13
1,488.98
1,591.38
1,673.68
1,725.22
1,665.99
1,784.95
1,793.94
1,837.12
2,140.25
2,176.16
2,602.7
- -
Basic Weighted Avg Shares
86
85
85
86
86
86
86
86
86
86
87
85
84
84
Sales/Revenue/Turnover
42,819
45,445
47,388
45,508
47,999
47,583
50,732
49,132
58,267
57,822
53,660
57,870
63,740
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,403
2,311
2,211
1,963
1,864
1,799
2,382
2,723
2,753
2,835
2,961
2,893
2,826
- -
Net Income, GAAP
6,876
6,238
9,804
9,255
8,770
9,729
7,125
7,995
7,473
8,127
7,087
9,784
14,094
- -
Effective Tax Rate (%)
29.87
47.09
35.59
30.94
30.94
29.15
33.61
33.47
34.86
31.12
29.08
29.55
28.81
- -
Profit Margin (%)
16.06
13.73
20.69
20.34
18.27
20.45
14.04
16.27
12.83
14.06
13.21
16.91
22.11
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
105,839
144,805
173,558
271,240
167,398
247,866
431,269
517,260
947,189
602,298
500,410
379,012
276,277
- -
Total Equity
118,421
132,582
136,003
139,248
146,451
151,875
148,539
158,582
159,130
163,158
189,850
189,638
222,334
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.91
2.29
3.23
2.72
2.42
2.72
1.45
1.27
0.84
0.87
0.97
1.55
2.64
- -
Return on Common Equity (%)
6.17
5.24
7.68
6.89
6.15
6.53
4.75
5.21
4.7
5.04
4.02
5.16
6.84
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
84
84
84
Market Capitalization
- -
- -
- -

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
789,283
772,172
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.22%
7.27%
17.24%
Free Cash Flow
-680.76%
-1,331.97%
-11.67%
Net Income, GAAP
5.71%
14.31%
44.05%
Sales/Revenue/Turnover
3.27%
5.72%
10.14%
Total Cash Common Dividend
- -
- -
35.78%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
57,870
2026
- -
- -
- -
- -
63,740
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
114.78
2026
- -
- -
- -
- -
167.32
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
21.12
2026
- -
- -
- -
- -
29.01
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Koji Sugita
Full Time Employees
1,392
Sector
Finance
Industry
Regional banks
Address
880-0805 Miyazaki City, Miyazaki Prefecture Miyazaki MZ Japan 880-0805
IPO Date
Oct 1, 1975
Website
miyagin.co.jp
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Business
The Miyazaki Bank, Ltd. engages in comprehensive banking and financial services primarily in Japan. Founded in 1932 and headquartered in Miyazaki, Japan, the company operates through two main segments: Banking and Leasing. Its core banking products and services include deposit products such as current, ordinary, notice, time, installment savings, tax reserve, and non-resident yen deposits; various loans including loans on bills, deeds, and overdrafts; and discounting of bank and commercial bills, as well as bills of lading. The bank also provides domestic and foreign exchange services including remittances, currency transfers, export-import foreign exchange operations, and related activities. Additionally, it offers investment services in government bonds, local government bonds, corporate bonds, stocks, and other securities. Beyond traditional banking, the company engages in credit guarantee services including mortgage loans, credit card business, leasing services, commercial paper handling, syndication, insurance, pension plans, securities lending, trust agency, safe deposit box services, and management consulting. The company operates through approximately 70 branches and a number of subsidiaries including Miyagin Lease Co., Ltd. and Miyagin Digital Solutions Co., Ltd. In recent developments, The Miyazaki Bank has actively pursued strategic expansion through acquisitions, including the acquisition of shares corresponding to the act of accumulating shares of Miyazaki Taiyo Bank as of late 2025. The bank has also revised its consolidated earnings guidance for the fiscal year ending March 31, 2026, reflecting ongoing financial performance adjustments. These moves indicate a strategic focus on consolidation and growth within its regional market. The bank continues to enhance its product and service offerings, aiming to leverage its credit guarantee and leasing services alongside core banking products to broaden its customer base and strengthen its market position amid a competitive and evolving financial sector.