Gunma Bank, Ltd.

Gunma Bank, Ltd.

2,561.50
JPY
-117.50
(-4.39%)
780.66BMarket Cap
Nov 09Next 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
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
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
- -
Dividend per Share
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
- -
Book Value per Share
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
- -
Tangible Book Value per Share
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
- -
Basic Weighted Avg Shares
467
460
449
442
435
431
422
420
417
410
397
386
380
379
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
- -
Net Income, GAAP
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
- -
Effective Tax Rate (%)
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
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
- -
Total Equity
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
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
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 Common Equity (%)
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
- -

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
625,095
780,657
886,635

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
- -
- -
- -
- -
- -

Company Description

CEO
Akihiko Fukai
Full Time Employees
2,899
Sector
Finance
Industry
Regional banks
Address
194, Motosojamachi Maebashi GU Japan 371-0846
IPO Date
Apr 1, 1969
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.