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Holding company for The Chugoku Bank, the leading regional bank in Okayama prefecture.
Holding company for The Chugoku Bank, the leading regional bank in Okayama prefecture.
Earns mostly on the gap between interest on loans and securities and the interest paid on deposits, so Japan's policy rate matters more to it than any single product, with fees from investment and insurance products as a smaller layer. It is a holding company over The Chugoku Bank, and its lending is centred on Okayama.
In one line: Okayama's dominant community bank.
Moat: narrow (regulatory licence, distribution). Leading deposit/branch share in its home prefecture built over a long operating history.
Headquarters: Okayama, Japan · Employees: 3,025
Size Chugin Financial Group,Inc (5832.T) is a Japan Financials company (Regional Banks) with a market value of $3.76B, the 304th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,233 on 6 Nov 2026.
Performance Over six months the shares gained 10.4%, against +5.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th highest of 21 in its peer set.
Growth Revenue grew 34.3% over the last twelve months (peer median +13.2%); the operating margin is 13.9% (peer median 43.7%).
Valuation It trades at 0.86× book value against a peer median of 1.22× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 6.5%; Chugin Financial Group,Inc delivers 8.3%, so the price asks less than the business earns today.
Next results Next results expected around 29 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥282B | ¥227B | ¥203B | ¥174B | ¥157B |
| Revenue growth | — | +12% | +17% | +11% | — |
| Net income | ¥52.1B | ¥39.7B | ¥27.4B | ¥21.4B | ¥20.5B |
| Free cash flow | n/a | ¥77.4B | ¥136B | -¥42.1B | -¥2.10B |
| Capital expenditure | n/a | ¥8.91B | ¥11.9B | ¥4.54B | ¥2.79B |
| Total debt | ¥1.84T | ¥1.90T | ¥1.89T | ¥1.67T | ¥1.08T |
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 |
|---|---|---|---|---|---|---|
| Chugin Financial Group,Inc 5832.T | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% |
| Hirogin 7337.T | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% |
| San-in Godo Bank 8381.T | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% |
| Yamaguchi Financial 8418.T | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% |
| Iyogin Holdings,Inc 5830.T | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% |
| Hyakujushi Bank 8386.T | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% |
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 | 5832.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -16.2% | +1.4% | 4th lowest of 21 |
| 6-month return | +10.4% | +5.0% | 4th highest of 21 |
| Return on equity | 8.3% | 9.4% | 7th lowest of 21 |
| Price / book | 0.86× | 1.22× | 3rd cheapest of 21 |
| Trailing P/E | 11.0× | 11.9× | 7th cheapest of 19 |
| ROE the price implies | 6.5% | 9.5% | 4th least demanding of 20 |
| ROE delivered | 8.3% | 9.5% | 6th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |