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Regional bank holding company for Iyo Bank, serving Ehime prefecture on Shikoku island.
Regional bank holding company for Iyo Bank, serving Ehime prefecture on Shikoku island.
Earns mostly from the gap between what it charges on loans and pays on deposits in one prefecture, and, like most Japanese regional banks, also from interest on a large securities portfolio. A shrinking regional population limits loan demand, which pushes banks like it toward securities and fee business.
In one line: A regional Japanese bank holding company.
Moat: narrow (regulatory licence, distribution). Long-standing regional deposit franchise on Shikoku island.
Headquarters: Matsuyama, Japan · Founded: 1878 · Employees: 3,098
Size Iyogin Holdings,Inc (5830.T) is a Japan Financials company (Regional Banks) with a market value of $5.61B, the 221st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,922 on 6 Nov 2026.
Performance Over six months the shares fell 3.2%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 13.3% over the last twelve months (peer median +4.0%); the operating margin is 34.5% (peer median 43.4%).
Valuation It trades at 0.91× book value against a peer median of 1.23× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 8.2%; Iyogin Holdings,Inc delivers 7.8%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥236B | ¥232B | ¥213B | ¥185B | ¥165B |
| Revenue growth | — | +9% | +15% | +12% | — |
| Net income | ¥67.8B | ¥74.3B | ¥53.3B | ¥39.5B | ¥27.9B |
| Free cash flow | n/a | ¥36.0B | ¥31.3B | ¥5.18B | ¥3.73B |
| Capital expenditure | n/a | ¥9.57B | ¥18.7B | ¥13.2B | ¥8.41B |
| Total debt | ¥766B | ¥995B | ¥987B | ¥1.18T | ¥763B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Iyogin Holdings,Inc 5830.T | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% |
| Hachijuni Nagano Bank 8359.T | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% |
| Gunma Bank 8334.T | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% |
| Hyakujushi Bank 8386.T | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% |
| Awa Bank 8388.T | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% |
| Shikoku Bank 8387.T | $857M | +26% | +36% | 10% | 0.68× | 5.4% |
| Hirogin 7337.T | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 5830.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -25.9% | +1.5% | lowest of 21 |
| 6-month return | -3.2% | +5.2% | 4th lowest of 21 |
| Return on equity | 7.8% | 10.5% | 4th lowest of 21 |
| Price / book | 0.91× | 1.23× | 7th cheapest of 21 |
| Trailing P/E | 12.5× | 12.7× | 10th cheapest of 19 |
| ROE the price implies | 8.2% | 8.9% | 10th least demanding of 20 |
| ROE delivered | 7.8% | 10.5% | 4th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |