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    Regional banks
Yamagata Bank, Ltd.

Yamagata Bank, Ltd.

TTSE:8344
4,230.00
JPY
-40.00
(-0.94%)
73.27BMarket Cap
Nov 13Next Earn
Yamagata Bank, Ltd.
TSE:8344
(Tokyo Stock Exchange)

Recent

price

4,230.00

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
1,156.21
1,150.57
1,166.95
1,138.07
1,234.7
1,236.13
1,259.67
1,162.2
1,303.68
1,206.66
1,143.76
1,245.25
1,402.97
1,475.04
1,418.48
1,642.63
- -
Revenue per Share
95.39
118.45
159.89
185.69
228.12
205.39
167.73
153.03
123.34
77.84
87.47
104.86
107.38
65.01
138.16
207.86
- -
Basic EPS, GAAP
2,292.92
468.45
2,388.13
1,140.8
-579.95
-1,473.31
1,038.52
-1,654.15
-1,486.82
2,969.87
13,436.73
13,760.25
-14,737.19
-4,610.14
-1,452.2
576.55
- -
Free Cash Flow per Basic Share
30
30
29.97
29.98
30.52
29.98
37.54
35.07
35.07
32.58
30.06
30.24
37.64
35.13
35.2
56.61
- -
Dividend per Share
3,184.5
3,349.84
3,735.94
3,949.4
4,499.96
4,524.01
4,704.99
4,825.77
4,804.77
4,526.41
4,956.95
4,861.04
4,174.35
4,489.41
4,295.22
4,851.99
- -
Book Value per Share
3,137.76
3,313.04
3,695.87
3,914.17
4,468.26
4,474.05
4,645.9
4,764.71
4,719.39
4,417.38
4,848.39
4,726.14
4,054.04
4,383.92
4,200.85
4,740.17
- -
Tangible Book Value per Share
34
34
34
34
33
33
33
33
33
33
33
32
32
32
32
31
31
Basic Weighted Avg Shares
39,429
39,234
39,790
38,802
40,502
40,407
41,103
37,882
42,491
39,330
37,291
40,351
44,881
47,191
45,299
51,588
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,472
1,626
1,252
1,169
1,181
1,253
970
1,122
1,274
1,347
1,686
1,864
1,881
1,921
1,998
1,718
- -
Depreciation Expense
3,253
4,039
5,452
6,331
7,483
6,714
5,473
4,988
4,020
2,537
2,852
3,398
3,435
2,080
4,412
6,528
- -
Net Income, GAAP
46.81
41.8
35.39
37.64
35.36
32.3
29.39
28.66
31.84
43.13
33
36.59
31.12
39.34
30.69
27.66
- -
Effective Tax Rate (%)
8.25
10.29
13.7
16.32
18.48
16.62
13.32
13.17
9.46
6.45
7.65
8.42
7.65
4.41
9.74
12.65
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,820
9,106
26,029
49,429
98,912
74,567
75,683
72,837
27,232
33,094
260,065
505,942
133,211
134,471
119,014
160,814
- -
LT Debt
113,647
119,871
133,847
141,680
154,693
155,944
153,511
157,440
156,759
147,704
161,811
155,626
133,729
143,804
136,000
150,625
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
2.41
2.76
3.21
3.28
3.11
2.58
2.29
2.17
1.94
1.39
0.95
0.63
0.74
0.76
1.65
2.3
- -
Return on Capital (%)
2.99
3.63
4.51
4.83
5.31
4.55
3.63
3.21
2.56
1.67
1.84
2.14
2.38
1.5
3.16
4.56
- -
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
31
31
31
Market Capitalization
53,249
73,268
109,403

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
154,920
190,890
- -
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
-0.07%
-1.01%
10.75%
Free Cash Flow
-86.7%
-96.05%
-139.04%
Net Income, GAAP
6.96%
28.17%
47.96%
Sales/Revenue/Turnover
2.79%
6.89%
13.88%
Total Cash Common Dividend
- -
- -
58.19%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
45,299
2026
- -
- -
- -
- -
51,588
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
138.16
2026
- -
- -
- -
- -
207.86
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
35.2
2026
- -
- -
- -
- -
56.61
2027
- -
- -
- -
- -
- -
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Business
The Yamagata Bank, Ltd. (8344.T) operates as a regional commercial bank in Japan, providing a range of banking and financial services primarily to individuals, small and medium-sized enterprises, and local corporations in the Yamagata Prefecture. The bank offers deposit products including current, savings, and time deposits; lending services such as housing loans, personal loans, and business loans; and investment products like investment trusts and government bonds. It also provides settlement services, including domestic and international remittances, credit card issuance, and electronic banking platforms; insurance agency services; and asset management advisory for retail and corporate clients. Founded in 1922 and headquartered in Yamagata City, Japan, the bank maintains a network of approximately 40 branches concentrated in the Tohoku region, with limited operations extending to Tokyo for corporate banking. The Yamagata Bank serves key customer segments in agriculture, manufacturing, and retail sectors, leveraging its local expertise to support regional economic development through tailored financing solutions. It operates as an independent entity without major subsidiaries or parent company affiliations. In recent developments, the bank has focused on digital transformation, launching enhanced mobile banking apps and online loan application services in 2024 to improve customer accessibility amid Japan's cashless payment push. It formed a strategic partnership with a major fintech firm in early 2025 to integrate AI-driven credit assessment tools, aiming to streamline SME lending processes. Additionally, Yamagata Bank completed a minor acquisition of a local credit union in late 2024, expanding its deposit base and branch footprint within Yamagata Prefecture.