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Regional bank holding company formed from the merger of Joyo Bank and Ashikaga Bank in the Kanto region.
Regional bank holding company formed from the merger of Joyo Bank and Ashikaga Bank in the Kanto region.
Earns most of its income from the spread between loan and deposit rates in Ibaraki and Tochigi prefectures north of Tokyo, along with fees from fund sales and consulting for local firms. Formed in 2016 by combining Joyo Bank and Ashikaga Bank. Regional banks' earnings depend heavily on Japan's policy rates and local population trends.
In one line: A merged regional Japanese bank holding company.
Moat: narrow (regulatory licence, distribution). Combined branch network from the Joyo-Ashikaga merger gives regional deposit scale.
Headquarters: Mito, Japan · Founded: 2016 · Employees: 5,880
Size Mebuki Financial (7167.T) is a Japan Financials company (Major Banks) with a market value of $7.57B, the 170th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,375 on 6 Nov 2026.
Performance Over six months the shares gained 5.9%, against +3.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 25.4% over the last twelve months (peer median +3.8%); the operating margin is 30.2% (peer median 39.7%).
Valuation It trades at 1.16× book value against a peer median of 1.25× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 6.2%; Mebuki Financial delivers 9.2%, so the price asks less than the business earns today.
Next results Next results expected around 11 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥387B | ¥403B | ¥316B | ¥272B | ¥290B |
| Revenue growth | — | +27% | +16% | -6% | — |
| Net income | ¥96.4B | ¥84.2B | ¥58.2B | ¥43.4B | ¥32.2B |
| Free cash flow | n/a | ¥184B | ¥78.7B | -¥31.7B | ¥16.6B |
| Capital expenditure | n/a | ¥16.9B | ¥7.96B | ¥9.95B | ¥6.00B |
| Total debt | ¥2.04T | ¥1.60T | ¥2.27T | ¥2.77T | ¥2.78T |
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 |
|---|---|---|---|---|---|---|
| Mebuki Financial 7167.T | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Gunma Bank 8334.T | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% |
| Tsukuba Bank 8338.T | $290M | -4% | +19% | 7% | 0.60× | 6.6% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
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 | 7167.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.6% | +2.3% | lowest of 21 |
| 6-month return | +5.9% | +3.8% | 9th highest of 21 |
| Return on equity | 9.2% | 10.9% | 6th lowest of 21 |
| Price / book | 1.16× | 1.25× | 9th cheapest of 21 |
| Trailing P/E | 13.4× | 11.4× | 6th most expensive of 21 |
| ROE the price implies | 6.2% | 11.4% | 5th least demanding of 21 |
| ROE delivered | 9.2% | 10.9% | 6th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |