1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
Gunma Bank, Ltd.

Gunma Bank, Ltd.

17.00
EUR
+0.20
(+1.19%)
Nov 09Next Earn
Gunma Bank, Ltd.
HAM:5F0
(Hamburg Stock Exchange)

Recent

price

17.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
255.98
248.43
252
259.26
260.87
274.26
295.82
311.36
310.41
304.43
315.59
335.64
372.55
381.59
415.22
509.4
- -
Revenue per Share
35.32
38.88
43.37
42.58
56.37
63.78
59.46
65.27
54.12
52.79
32.14
63.33
68.19
78.43
113.82
154.87
- -
Basic EPS, GAAP
169.07
70.22
107.22
148.6
62.47
97.57
381.16
-629.72
275.93
736.04
4,710.27
1,086.71
-1,616.03
-1,012.5
-1,563.83
-463.94
- -
Free Cash Flow per Basic Share
7.54
10.01
9.01
11.01
9.61
12.04
12.55
12.05
13.07
13.04
12.99
14.07
15.04
20.21
32.09
54.88
- -
Dividend per Share
763.02
816.04
935.78
989.36
1,147.67
1,127.28
1,188.45
1,222.09
1,233.35
1,163.32
1,303.92
1,288.78
1,268.76
1,460.15
1,472.16
1,636.25
- -
Book Value per Share
744.63
798.18
917.49
969.29
1,127.74
1,107.92
1,165.4
1,196.78
1,208.33
1,140.05
1,280.24
1,266.29
1,248.95
1,439.36
1,452.23
1,615.18
- -
Tangible Book Value per Share
490
482
475
467
460
449
442
435
431
422
420
417
410
397
386
380
191
Basic Weighted Avg Shares
125,493
119,725
119,730
121,133
119,902
123,057
130,867
135,309
133,768
128,496
132,574
140,102
152,606
151,436
160,151
193,613
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
7,326
7,298
6,707
5,489
5,467
5,943
5,876
6,325
6,761
6,899
6,497
6,863
6,572
6,193
6,314
6,471
- -
Depreciation Expense
17,315
18,739
20,604
19,894
25,910
28,616
26,304
28,366
23,321
22,280
13,501
26,436
27,933
31,125
43,900
58,863
- -
Net Income, GAAP
43.25
35.05
35.93
40.18
33.34
32.66
27.22
30.51
33.15
27.47
31.84
33.55
28.19
27.58
28.49
29.8
- -
Effective Tax Rate (%)
13.8
15.65
17.21
16.42
21.61
23.25
20.1
20.96
17.43
17.34
10.18
18.87
18.3
20.55
27.41
30.4
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
7,934
79,718
174,538
240,611
381,946
309,596
371,530
384,461
471,524
536,643
1,387,121
1,633,347
1,018,689
1,227,184
1,100,233
1,144,470
- -
LT Debt
377,543
400,576
445,755
467,797
523,533
507,724
526,178
536,611
531,957
488,026
548,091
529,255
515,808
573,094
562,936
619,320
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
3.91
3.98
3.46
2.86
3.04
3.26
3.06
3.08
2.39
2.19
0.91
1.29
1.51
1.87
2.54
3.44
- -
Return on Capital (%)
4.7
4.94
4.97
4.43
5.3
5.61
5.14
5.4
4.41
4.39
2.61
4.91
5.35
5.72
7.73
9.96
- -
Return on Common Equity (%)

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
379
379
378
Market Capitalization
- -
- -
- -

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,357,938
1,359,989
- -
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
2.22%
2.68%
10.02%
Free Cash Flow
19.47%
-76.59%
-70.77%
Net Income, GAAP
12.61%
37.6%
34.08%
Sales/Revenue/Turnover
4.83%
8.09%
20.89%
Total Cash Common Dividend
16.71%
33.11%
68.51%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
160,151
2026
- -
- -
- -
- -
193,613
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
113.82
2026
- -
- -
- -
- -
154.87
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
32.09
2026
- -
- -
- -
- -
54.88
2027
- -
- -
- -
- -
- -
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Business
The Gunma Bank, Ltd. (8334.T) operates as a regional bank in Japan, providing a comprehensive range of banking and financial services through its Banking and Lease segments; core offerings include deposit-taking such as current, savings, and time deposits along with negotiable certificates of deposit; lending activities encompassing loans on bills, deeds, overdrafts, and bill discounting; fund management via investments in government bonds, municipal bonds, corporate bonds, stocks, and securities; foreign exchange transactions for exports, imports, remittances, and currency exchanges; over-the-counter sales of investment trusts and public bonds; leasing services; derivative transactions; and agency services for public funds, retirement allowances, stock dividends, bond payments, and loans from the Japan Finance Corporation. The bank maintains 157 domestic outlets primarily in Gunma Prefecture with additional presence outside the region, plus an overseas branch in New York, serving small- to medium-sized enterprises, large corporations, individuals, and local public bodies with a focus on structured finance, cross-border loans, and asset management consulting. Founded in 1932 and headquartered in Maebashi, Gunma, Japan, the bank oversees subsidiaries including Gungin Lease Co., Ltd., Gungin Securities Co., Ltd., Sky Ocean Asset Management Co., Ltd., The Gungin Card Co., Ltd., Gunma Shinyo Hosyo Co., Ltd., Gunma Chuo Kogyo Co., Ltd., Gunma Finance (Hong Kong) Ltd., and Fincross DIGITAL Co., Ltd. In April 2025, The Gunma Bank entered a memorandum of understanding with Daishi Hokuetsu Financial Group for a business integration under a new holding company targeted for April 2027, following their prior Gunma-Daishi Hokuetsu Alliance in December 2021, to enhance scale, financial intermediation, M&A support, and regional growth amid industry consolidation; the bank also launched its New Mid-Term Business Plan "Growth with 'Purpose'" in April 2025, targeting consolidated net income of 60 billion yen, ROE above 10%, and loan growth to 7.4 trillion yen by March 2028 through high RORA lending, non-interest income expansion, and sustainability initiatives.