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    Banks - Regional
Yamaguchi Financial Group, Inc.

Yamaguchi Financial Group, Inc.

YFGSF
Yamaguchi Financial Group, Inc.US flagOther OTC
5.81
USD
+0.19
- -
1.23BMarket Cap
Yamaguchi Financial Group, Inc.
YFGSF
(Other OTC)

Recent

price

5.81

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
545.98
537.97
523.57
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
Revenue per Share
101.63
72.89
68.71
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
Basic EPS, GAAP
860.24
987.83
336.87
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
- -
Free Cash Flow per Basic Share
13.83
12.79
12.72
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
- -
Dividend per Share
1,246.5
1,308.86
1,376.03
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
Book Value per Share
1,576.87
1,504.96
1,622.64
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
Tangible Book Value per Share
263
263
261
261
259
253
244
245
246
245
254
250
244
231
221
214
217
Basic Weighted Avg Shares
143,721
141,372
136,534
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9,703
12,838
14,103
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
- -
Depreciation Expense
26,752
19,155
17,918
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
Net Income, GAAP
32.77
44.97
49.79
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
Effective Tax Rate (%)
18.61
13.55
13.12
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
103,361
138,666
144,270
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
LT Debt
463,997
446,290
472,404
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.45
5.7
5.1
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
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.