Loading…
Regional bank holding company for Kumamoto and Kagoshima prefectures in southern Japan.
Regional bank holding company for Kumamoto and Kagoshima prefectures in southern Japan.
Earns mainly the spread between loan interest and deposit costs through its banks in Kumamoto and Kagoshima, plus fees from securities, insurance and card business. It was formed by joining a Kumamoto and a Kagoshima bank group under one holding company, and the banks keep their own local brands.
In one line: A rural Japanese community bank holding company.
Moat: narrow (distribution, regulatory licence). Dominant local branch presence and deposit franchise across two southern prefectures.
Headquarters: Kumamoto, Japan · Founded: 2015 · Employees: 4,858
Size Kyushu Financial (7180.T) is a Japan Financials company (Major Banks) with a market value of $3.79B, the 301st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,363 on 6 Nov 2026.
Performance Over six months the shares gained 6.7%, against +8.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th lowest of 21 in its peer set.
Growth Revenue grew 14.6% over the last twelve months (peer median +8.5%); the operating margin is 21.7% (peer median 34.4%).
Valuation It trades at 0.73× book value against a peer median of 1.05× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 6.6%; Kyushu Financial delivers 4.9%, so the price asks more than the business earns today.
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥268B | ¥256B | ¥248B | ¥220B | ¥210B |
| Revenue growth | — | +3% | +13% | +5% | — |
| Net income | ¥36.8B | ¥37.7B | ¥30.4B | ¥26.4B | ¥24.7B |
| Free cash flow | n/a | ¥94.7B | ¥9.61B | -¥3.52B | ¥31.1B |
| Capital expenditure | n/a | ¥17.7B | ¥11.3B | ¥10.0B | ¥7.66B |
| Total debt | ¥1.69T | ¥1.67T | ¥1.79T | ¥2.11T | ¥1.96T |
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 |
|---|---|---|---|---|---|---|
| Kyushu Financial 7180.T | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
| Oita Bank 8392.T | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% |
| Miyazaki Bank 8393.T | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% |
| Bank of Saga 8395.T | $589M | +10% | +16% | 8% | 0.72× | 5.2% |
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 | 7180.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -22.9% | +1.9% | 3rd lowest of 21 |
| 6-month return | +6.7% | +8.1% | 9th lowest of 21 |
| Return on equity | 4.9% | 9.7% | 4th lowest of 21 |
| Price / book | 0.73× | 1.05× | 3rd cheapest of 21 |
| Trailing P/E | 15.8× | 13.0× | 7th most expensive of 20 |
| ROE the price implies | 6.6% | 10.2% | 6th least demanding of 19 |
| ROE delivered | 4.9% | 9.7% | 4th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |