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    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
San-in Godo Bank Ltd.
TSE:8381
(Tokyo Stock Exchange)

Recent

price

2,097.00

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
506.97
472.34
491.86
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
- -
Revenue per Share
52.77
62.6
60.35
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
- -
Basic EPS, GAAP
719.85
141.01
728.96
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
- -
Free Cash Flow per Basic Share
9.06
9.01
10.02
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
- -
Dividend per Share
1,622.62
1,762.12
1,886.87
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
Book Value per Share
1,608.45
1,745.4
1,863.88
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
Tangible Book Value per Share
167
165
163
161
160
159
157
156
156
156
156
156
156
154
152
151
152
Basic Weighted Avg Shares
84,807
77,981
80,338
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
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,909
2,764
2,766
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
- -
Depreciation Expense
8,827
10,335
9,857
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
- -
Net Income, GAAP
37.41
48.99
40.03
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
- -
Effective Tax Rate (%)
10.41
13.25
12.27
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
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
124,985
129,457
136,626
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
LT Debt
283,754
304,690
322,547
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.95
2.15
1.99
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 Capital (%)
3.31
3.7
3.31
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
- -
Return on Common Equity (%)

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
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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.