Loading…
Regional bank holding company centered on Bank of Yokohama, serving Kanagawa Prefecture individuals and businesses near Tokyo.
Regional bank holding company centered on Bank of Yokohama, serving Kanagawa Prefecture individuals and businesses near Tokyo.
Earns from the gap between loan and deposit rates, mostly from lending to individuals and local firms around Yokohama and the Tokyo area, with fees from securities and leasing units. The group was created in 2016 when Bank of Yokohama and Higashi-Nippon Bank combined under a holding company.
In one line: A Japanese Kanagawa-area regional bank holding company.
Moat: narrow (distribution, customer qualification). Long-standing dominant deposit franchise in Kanagawa, Japan's second most populous prefecture.
Headquarters: Yokohama, Japan · Founded: 2016 · Employees: 6,313
Size Yokohama Financial (7186.T) is a Japan Financials company (Regional Banks) with a market value of $11.1B, the 126th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,582 on 6 Nov 2026.
Performance Over six months the shares gained 6.6%, against +4.4% for the median peer and +1.8% for the Japan market (cap-weighted) — 8th highest of 21 in its peer set.
Growth Revenue grew 21.4% over the last twelve months (peer median +7.0%); the operating margin is 41.5% (peer median 39.1%).
Valuation It trades at 1.21× book value against a peer median of 1.25× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 8.1%; Yokohama Financial delivers 8.0%, so the price asks more 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 | ¥497B | ¥487B | ¥396B | ¥355B | ¥311B |
| Revenue growth | — | +23% | +12% | +14% | — |
| Net income | ¥112B | ¥107B | ¥82.8B | ¥66.9B | ¥56.2B |
| Free cash flow | n/a | ¥177B | ¥230B | -¥21.1B | ¥79.6B |
| Capital expenditure | n/a | ¥23.4B | ¥15.8B | ¥17.4B | ¥12.3B |
| Total debt | ¥2.57T | ¥2.59T | ¥2.42T | ¥2.52T | ¥4.50T |
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 |
|---|---|---|---|---|---|---|
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| 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 | 7186.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -18.4% | +2.8% | 2nd lowest of 21 |
| 6-month return | +6.6% | +4.4% | 8th highest of 21 |
| Return on equity | 8.0% | 9.7% | 4th lowest of 21 |
| Price / book | 1.21× | 1.25× | 10th cheapest of 21 |
| Trailing P/E | 15.9× | 13.4× | 8th most expensive of 20 |
| ROE the price implies | 8.1% | 9.3% | 10th least demanding of 20 |
| ROE delivered | 8.0% | 9.9% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Chongqing Rural Commercial Bank 3618.HK | Hong Kong | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% | 9.5% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| Banque Cantonale Vaudoise BCVN.SW | Switzerland | $14.4B | +20% | -8% | 12% | 3.07× | n/a | 11.6% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Pinnacle Financial Partners PNFP | United States | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% | 9.6% |
| Banco Santander-Chile Sponsored ADR BSAC | United States | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% | 24.9% |