1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
San-in Godo Bank Ltd.

San-in Godo Bank Ltd.

TTSE:8381
2,097.00
JPY
-92.00
(-4.20%)
259.85BMarket Cap
Nov 12Next 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
478.93
500.71
500.17
512.03
524.07
538.08
526.42
532.63
570.03
663.41
708.99
747.31
809.31
- -
Basic EPS, GAAP
69.21
76
81.08
85.27
87.76
84.58
67.08
62.14
92.88
99.28
109.28
122.89
150.01
- -
Free Cash Flow per Basic Share
730.72
1,307.35
1,783.29
443.92
-191.07
-436.35
-712.85
2,810.32
468.89
-1,668.88
397.45
5,694.47
839.11
- -
Dividend per Share
10.02
11.02
13.51
15.1
17.56
26.08
26.08
20.11
22.11
38.25
35.27
45.33
52.48
- -
Book Value per Share
1,899.65
2,107.99
2,242.47
2,255.54
2,313.37
2,378.98
2,316.31
2,434.09
2,261.05
2,024.61
2,114.91
2,053.49
2,136.56
2,136.56
Tangible Book Value per Share
1,880.58
2,091.9
2,228.68
2,243.34
2,297.82
2,344.84
2,280.34
2,402.69
2,233
1,999.66
2,093.28
2,035.51
2,116.79
2,116.79
Basic Weighted Avg Shares
161
160
159
157
156
156
156
156
156
156
154
152
151
152
Sales/Revenue/Turnover
77,333
80,120
79,647
80,456
81,760
84,005
82,144
82,963
88,894
103,331
108,995
113,941
122,456
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,808
2,768
2,708
2,664
2,411
2,317
2,433
2,965
3,003
3,053
3,085
3,181
2,865
- -
Net Income, GAAP
11,175
12,161
12,911
13,399
13,692
13,205
10,467
9,679
14,485
15,463
16,800
18,737
22,698
- -
Effective Tax Rate (%)
39.95
42.57
38.11
32.38
30.37
31
31.34
31.76
28.7
29.47
31.85
28.77
29.8
- -
Profit Margin (%)
14.45
15.18
16.21
16.65
16.75
15.72
12.74
11.67
16.29
14.96
15.41
16.44
18.54
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
194,862
343,122
489,667
540,072
486,342
523,340
556,510
713,128
824,212
685,449
608,267
1,351,161
1,502,892
1,502,892
Total Equity
322,280
353,709
373,726
352,845
362,412
372,496
361,649
379,850
353,188
313,206
325,089
312,568
321,262
321,262
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.14
1.9
1.59
1.48
1.57
1.51
1.15
0.96
1.28
1.42
1.74
1.44
1.3
- -
Return on Common Equity (%)
3.65
3.79
3.73
3.79
3.84
3.61
2.86
2.62
3.96
4.65
5.27
5.88
7.17
- -

Capital Structure

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
151
151
150
Market Capitalization
180,410
208,475
259,852

Working Capital

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
1,394,491
1,630,970
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
-1.36%
-3.12%
2.78%
Free Cash Flow
5.34%
114.65%
-85.38%
Net Income, GAAP
7.19%
19.54%
21.14%
Sales/Revenue/Turnover
4.5%
8.18%
7.47%
Total Cash Common Dividend
16.75%
23.25%
14.87%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26,509
25,268
28,518
28,700
108,995
2025
- -
- -
- -
- -
113,941
2026
- -
- -
- -
- -
122,456

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14.98
28.06
24.71
41.57
109.28
2025
- -
- -
- -
- -
122.89
2026
- -
- -
- -
- -
150.01

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
35.27
2025
- -
- -
- -
- -
45.33
2026
- -
- -
- -
- -
52.48

Company Description

Company Profile APIChatGPT
CEO
Yamasaki Toru
Full Time Employees
1,906
Sector
Finance
Industry
Regional banks
Address
10, Uomachi Matsue SM Japan 690 0062
IPO Date
Oct 1, 1983
Website
gogin.co.jp
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Business
The San-in Godo Bank, Ltd. (8381.T) provides a range of banking and leasing products and services to individual and corporate customers primarily in the San-in region of western Japan, encompassing Shimane and Tottori Prefectures as well as parts of the neighboring Sanyo region and Hyogo Prefecture; its core offerings include demand deposits, time deposits, and negotiable certificates of deposit; corporate, syndicated, personal, educational, consumer, and housing loans; credit card services; bills discounting; foreign exchange; remittances; transfers; trusts; and securities investment services; real estate leasing; finance lease intermediation; documents and vouchers creation; general affairs department contracts; calculation and claim collection services; credit guarantees; venture capital activities; renewable energy-related businesses; asset formation and management consulting; and mergers and acquisitions advisory services, delivered through branches, ATMs, and online portals. The bank operates via two main segments, Banking and Leasing, and was founded in 1878 with headquarters in Matsue, Shimane Prefecture, Japan. In recent developments, the company announced a share buyback program in late 2025 to acquire up to 1,000,000 common shares worth approximately 1 billion yen aimed at enhancing shareholder returns and capital efficiency, completing the purchase of 143,600 shares at a cost of 199 million yen in early December 2025; it continues to emphasize strategic alliances through its N-Alliance Headquarters under senior leadership to bolster growth and competitiveness in regional financial services.