Loading…
Regional bank holding company focused on small-business lending within Tokyo's metropolitan area.
Regional bank holding company focused on small-business lending within Tokyo's metropolitan area.
Earns the gap between interest on loans to small and midsize businesses and the cost of deposits, with fees from loan arrangement and asset sales to customers adding a smaller layer. Business is concentrated in the Tokyo metropolitan area, where it competes with credit unions, megabanks and other regional banks.
In one line: A Tokyo-focused SME community bank.
Moat: narrow (distribution, regulatory licence). Dense branch network focused on Tokyo SMEs, a segment megabanks serve less intensively.
Headquarters: Tokyo, Japan · Founded: 2018 · Employees: 2,744
Size Tokyo Kiraboshi Financial (7173.T) is a Japan Financials company (Major Banks) with a market value of $2.36B, the 434th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,288 on 6 Nov 2026.
Performance Over six months the shares fell 11.6%, against +2.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue grew 14.9% over the last twelve months (peer median +4.4%); the operating margin is 28.2% (peer median 33.3%).
Valuation It trades at 0.93× book value against a peer median of 0.90× (11th cheapest of 21).
Price implies The share price implies a return on equity of about 5.9%; Tokyo Kiraboshi Financial delivers 10.8%, so the price asks less than the business earns today.
Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥163B | ¥186B | ¥146B | ¥124B | ¥113B |
| Revenue growth | — | +27% | +18% | +9% | — |
| Net income | ¥42.9B | ¥42.4B | ¥31.4B | ¥25.7B | ¥21.1B |
| Free cash flow | n/a | ¥7.04B | ¥49.6B | -¥11.1B | ¥9.11B |
| Capital expenditure | n/a | ¥8.35B | ¥6.46B | ¥13.5B | ¥9.05B |
| Total debt | ¥405B | ¥200B | ¥208B | ¥871B | ¥720B |
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 |
|---|---|---|---|---|---|---|
| Tokyo Kiraboshi Financial 7173.T | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Chiba Kogyo Bank 8337.T | $845M | +10% | +28% | 5% | 1.01× | 8.4% |
| Mebuki Financial 7167.T | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% |
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 | 7173.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -26.0% | +0.2% | 2nd lowest of 21 |
| 6-month return | -11.6% | +2.8% | 5th lowest of 21 |
| Return on equity | 10.8% | 7.9% | 9th highest of 21 |
| Price / book | 0.93× | 0.90× | 11th cheapest of 21 |
| Trailing P/E | 9.6× | 11.8× | 7th cheapest of 21 |
| ROE the price implies | 5.9% | 8.6% | 6th least demanding of 21 |
| ROE delivered | 10.8% | 7.9% | 9th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |