Yamaguchi Financial Group, Inc.

Yamaguchi Financial Group, Inc.

YFGSF
Yamaguchi Financial Group, Inc.US flagOther OTC
5.81
USD
+0.19
- -
1.23BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
539.16
530.96
550.74
598.45
592.69
586.1
584.36
614.38
669.95
540.73
566.54
645.2
786.04
347.19
Basic EPS, GAAP
104.2
120.68
120.88
132.43
128.7
133.65
94.65
100.06
99.63
-53.28
77.41
114.19
165.17
53.79
Free Cash Flow per Basic Share
455.39
2,014.89
886.74
69.76
-1,950.37
-616.27
-1,037.81
506.15
4,452.9
-330.38
-639.41
107.23
2,852.71
- -
Dividend per Share
12.71
13.08
14.11
14.04
18.01
18.11
21.39
23.13
25.33
27.45
29.51
37.52
52.71
- -
Book Value per Share
1,464.93
1,588.39
1,727.38
1,907.15
2,005.71
2,114.16
2,202.27
2,199.87
2,307.76
2,299.49
2,478.22
2,673.74
2,872.77
2,779.78
Tangible Book Value per Share
1,846.11
1,905.87
2,223.65
2,353.66
2,478.62
2,637.15
2,657.79
2,441.66
2,680.05
2,578.49
2,630.46
2,937.35
2,873.63
2,942.09
Basic Weighted Avg Shares
261
259
253
244
245
246
245
254
250
244
231
221
214
217
Sales/Revenue/Turnover
140,911
137,450
139,070
145,945
145,462
144,350
142,919
155,896
167,821
131,980
130,968
142,476
168,207
75,170
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
15,862
15,735
15,452
12,022
8,335
5,284
6,825
6,495
6,164
5,800
5,104
4,422
4,929
- -
Net Income, GAAP
27,233
31,241
30,523
32,295
31,586
32,916
23,148
25,391
24,957
-13,005
17,894
25,216
35,345
11,645
Effective Tax Rate (%)
36.89
35.43
36.98
35.73
32.04
30.79
29.99
30.56
32.03
- -
32.38
31.88
31.91
32.56
Profit Margin (%)
19.33
22.73
21.95
22.13
21.71
22.8
16.2
16.29
14.87
-9.85
13.66
17.7
21.01
15.49
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
167,226
184,540
211,993
175,503
181,375
155,831
196,314
119,990
825,504
724,624
785,755
1,096,389
971,580
1,134,111
Total Equity
521,422
521,468
578,386
583,164
617,050
660,448
660,956
630,243
681,137
636,342
614,663
655,733
622,174
644,258
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
7.34
7.87
7.2
7.17
6.6
6.5
4.37
4.63
4.39
-2.28
3.16
4.34
5.87
1.97

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
217
- -
214
Market Capitalization
- -
- -
174,901

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,386,904
- -
1,768,887
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.88%
-0.07%
-5.12%
Free Cash Flow
-5.12%
621.3%
2,477.94%
Net Income, GAAP
-32.25%
-62.06%
40.17%
Sales/Revenue/Turnover
2.43%
2.47%
18.06%
Total Cash Common Dividend
12.87%
14.62%
36.12%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
34,536
32,784
38,323
36,847
142,476
2025
- -
- -
- -
- -
168,207
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
39.08
- -
- -
- -
114.19
2025
- -
- -
- -
- -
165.17
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
37.52
2025
- -
- -
- -
- -
52.71
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Keisuke Mukunashi
Full Time Employees
3,761
Sector
Financial Services
Industry
Banks - Regional
Address
2-36, 4-chome Takezaki-cho Shimonoseki Japan 750-8603
IPO Date
Jul 30, 2014
Website
ymfg.co.jp
Business
Yamaguchi Financial Group, Inc. (YFGSF) operates as a regional financial holding company in Japan, primarily providing banking and ancillary financial services through its core subsidiaries, including The Yamaguchi Bank, Ltd., Momiji Bank, Ltd., and The Kitakyushu Bank, Ltd. The group's banking division offers deposits, loans, domestic and foreign exchange transactions, securities trading, and investment securities management; the others division encompasses securities brokerage, credit card issuance, and leasing services. It serves individual, corporate, and municipal customers across Yamaguchi, Hiroshima prefectures, and northern Kyushu, with approximately 156 branches in Japan and select overseas offices, maintaining a network focused on regional economic support. Founded on October 2, 2006, through the management integration of Yamaguchi Bank—whose origins trace to 1878—and Momiji Holdings, Inc., the company is headquartered in Shimonoseki, Yamaguchi Prefecture, Japan. In recent developments, Yamaguchi Financial Group announced a share buyback program in November 2025 to acquire up to 4.73% of its shares, equivalent to about 10 million shares worth 15 billion yen, aimed at optimizing its capital structure. The group also entered a collaboration with Kitakyushu City under a business succession partnership agreement, marking its first project to support中小企業 succession, alongside a decarbonization alliance with Yamaguchi Prefecture and a comprehensive regional revitalization pact with Tabuse Town in Kumage District. Additional initiatives include the launch of the third series of Kitakyushu lottery-linked fixed deposits "Seven Lucky Gods," a review of international business operations, and support for the growth of local firm Tadashi the Dinosaur Co., Ltd., reflecting strategic emphases on capital management, regional partnerships, and community-driven financial products.