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    Regional banks
Kiyo Bank, Ltd.

Kiyo Bank, Ltd.

TTSE:8370
1,552.00
JPY
-21.00
(-1.34%)
246.39BMarket Cap
Nov 09Next Earn
Kiyo Bank, Ltd.
TSE:8370
(Tokyo Stock Exchange)

Recent

price

1,552.00

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
356.83
343.3
366.58
318.09
297.93
336.15
316.89
316.02
322.09
373.45
350.46
370.45
370.51
347.91
413.82
481.21
- -
Revenue per Share
42.01
46.12
99.1
50.07
52.18
79.87
52.59
56.27
56.27
67.24
66.99
76.8
19.94
76.56
90.84
113.3
- -
Basic EPS, GAAP
-77.95
858.8
-415.62
1,198.65
669.35
681.58
1,669.31
-1,194.4
-911.32
292.08
3,514.09
358.86
-2,974.61
568.13
-980.61
-62.62
- -
Free Cash Flow per Basic Share
17.1
16.79
16.64
11.67
10.06
11.8
11.85
11.76
11.77
11.82
11.77
11.77
20.3
15.07
23.42
40.92
- -
Dividend per Share
740.4
830.33
877.03
828.7
984.42
999.13
1,025.66
1,084.07
1,128.6
1,067.91
1,202.94
1,212.62
1,134.31
1,206.29
1,223.73
1,280.97
- -
Book Value per Share
697.94
794.65
846.06
783.66
952.3
974.13
1,000.52
1,063.58
1,112.52
1,051.3
1,188.32
1,194.27
1,112.98
1,183.29
1,202.11
1,261.64
- -
Tangible Book Value per Share
201
201
201
209
216
213
210
208
207
204
203
201
197
196
194
193
193
Basic Weighted Avg Shares
71,680
68,961
73,637
66,619
64,351
71,645
66,457
65,828
66,519
76,195
71,101
74,572
72,902
68,251
80,261
92,668
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4,080
4,234
4,114
5,916
6,598
5,093
3,759
3,725
3,398
2,905
2,838
2,664
2,584
2,882
3,222
3,384
- -
Depreciation Expense
8,438
9,265
19,906
10,487
11,270
17,023
11,028
11,722
11,620
13,719
13,591
15,460
3,924
15,020
17,618
21,819
- -
Net Income, GAAP
37.42
46.8
30.49
27.12
24.11
18.78
15.82
30.49
34.27
31.72
33.58
35.39
17.78
24.84
24.22
27.04
- -
Effective Tax Rate (%)
11.77
13.44
27.03
15.74
17.51
23.76
16.59
17.81
17.47
18.01
19.12
20.73
5.38
22.01
21.95
23.55
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
39,513
42,432
34,505
46,576
59,337
159,475
463,910
272,581
229,466
249,051
709,314
795,202
530,312
803,279
762,999
726,997
- -
LT Debt
150,078
168,237
177,763
182,904
215,267
214,850
217,976
229,290
233,965
220,254
245,697
242,848
223,792
238,113
236,177
248,564
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
4.45
4.59
9.35
4.69
4.41
5.2
2.06
1.95
2.38
2.92
1.9
1.54
0.43
1.67
1.72
2.21
- -
Return on Capital (%)
5.83
5.87
11.61
5.89
5.75
8.03
5.17
5.32
5.08
6.11
5.89
6.37
1.69
6.54
7.46
9.04
- -
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
192
193
193
Market Capitalization
188,143
246,387
285,668

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
887,394
837,737
- -
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
1.62%
0.36%
5.24%
Free Cash Flow
-57.32%
-296.68%
-93.66%
Net Income, GAAP
25.04%
52.61%
23.84%
Sales/Revenue/Turnover
3%
5.86%
15.46%
Total Cash Common Dividend
16.38%
33.79%
73.49%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
80,261
2026
- -
- -
- -
- -
92,668
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
90.84
2026
- -
- -
- -
- -
113.3
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
23.42
2026
- -
- -
- -
- -
40.92
2027
- -
- -
- -
- -
- -
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Business
The Kiyo Bank, Ltd. (8370.T) operates as a regional commercial bank providing a comprehensive range of banking products and services to individual, corporate, and business customers primarily in Japan. The bank offers deposits including yen ordinary, savings, settlement, notice, tax preparation, guardianship support, and education gift accounts, as well as regular, super regular, large-denomination, fixed-term, variable-rate, pension, inheritance, and accumulation-type regular deposits; loans encompassing personal card loans, purpose loans, consolidation loans, free loans, education loans, owner loans, housing loans, mortgage loans, home equity loans, property-secured loans, and corporate lending; investment products such as investment trusts, personal targeted government bonds, foreign currency deposits, securities investments, domestic and foreign exchange transactions, and government bond trading; insurance services covering life, medical, cancer, student, income protection, and term policies; and supplementary offerings like credit cards, debit cards, internet banking, ATM services, cashless payments, safe deposit boxes, pension funds, trust services including inheritance and legacy trusts, and consulting for mergers, acquisitions, and business support. It maintains a network of approximately 112 branches concentrated in Wakayama Prefecture (68 branches), Osaka Prefecture (41 branches), Nara Prefecture (2 branches), Tokyo (1 branch), and adjacent areas in the Kansai region. Founded in 1895 and headquartered in Wakayama City, Japan, the bank formerly known as Kiyo Bank Co., Ltd. changed its name to The Kiyo Bank, Ltd. in October 2013 and focuses on community-based financial services, digital platforms like the Kiyo Smart App and Smart Passbook, and targeted support for local industries including agriculture, fisheries, and decarbonization initiatives. Recent developments include the publication of its 2026 fiscal year second quarter financial results in December 2025, completion of restricted stock disposal for employee stock ownership incentives in November 2025, a financing partnership with the Decarbonization Support Organization and Shoko Chukin Bank for energy storage projects with Energypower Co. in November 2025, participation in a Ministry of Agriculture, Forestry and Fisheries regional resource program in November 2025, and the launch of the "Cairos Support Fixed Deposit" product to fund regional initiatives in November 2025.