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Regional bank holding company for Bank of Kyoto, serving retail and corporate customers in the Kyoto region.
Regional bank holding company for Bank of Kyoto, serving retail and corporate customers in the Kyoto region.
Most income is the spread between what it charges on loans and pays on deposits to Kyoto-area households and firms, with fees on investment products and consulting adding to it. Years of near-zero rates kept spreads thin until the Bank of Japan began raising rates in 2024.
In one line: A regional Japanese bank holding company.
Moat: narrow (regulatory licence, distribution). Long-standing regional deposit franchise and business relationships in the Kyoto/Kansai area.
Headquarters: Kyoto, Japan · Founded: 1941 · Employees: 3,676
Size Kyoto Financial Group,Inc (5844.T) is a Japan Financials company (Regional Banks) with a market value of $7.14B, the 177th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,851 on 6 Nov 2026.
Performance Over six months the shares fell 11.2%, against +6.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd lowest of 21 in its peer set.
Growth Revenue grew 18.8% over the last twelve months (peer median +5.5%); the operating margin is -21.0% (peer median 45.2%).
Valuation It trades at 0.79× book value against a peer median of 1.33× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 5.9%; Kyoto Financial Group,Inc delivers 7.9%, so the price asks less than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥198B | ¥365B | ¥166B | ¥136B | ¥123B |
| Revenue growth | — | +121% | +22% | +10% | — |
| Net income | ¥104B | ¥96.7B | ¥36.6B | ¥31.6B | ¥27.2B |
| Free cash flow | n/a | ¥30.7B | ¥123B | ¥100B | ¥30.6B |
| Capital expenditure | n/a | ¥7.60B | ¥6.28B | ¥5.51B | ¥2.71B |
| Total debt | ¥518B | ¥695B | ¥1.14T | ¥700B | ¥651B |
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 |
|---|---|---|---|---|---|---|
| Kyoto Financial Group,Inc 5844.T | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% |
| 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% |
| Shiga Bank 8366.T | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% |
| Nanto Bank 8367.T | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
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 | 5844.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -19.4% | +2.4% | 2nd lowest of 21 |
| 6-month return | -11.2% | +6.1% | 2nd lowest of 21 |
| Return on equity | 8.0% | 11.1% | 5th lowest of 21 |
| Price / book | 0.79× | 1.33× | 3rd cheapest of 21 |
| Trailing P/E | 10.6× | 13.1× | 6th cheapest of 20 |
| ROE the price implies | 5.9% | 9.7% | 6th least demanding of 20 |
| ROE delivered | 7.9% | 11.1% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |