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Holding company for Nishi-Nippon City Bank, a leading regional bank in Fukuoka, Kyushu.
Holding company for Nishi-Nippon City Bank, a leading regional bank in Fukuoka, Kyushu.
Earns mostly on the gap between interest on loans and securities and the interest paid on deposits, with fees from investment and insurance products as a smaller layer. It is a holding company that owns Nishi-Nippon City Bank, whose business is centred on Fukuoka, so that city's economy drives loan demand.
In one line: Fukuoka's community bank, competing in Japan's third-largest metro economy.
Moat: narrow (regulatory licence, distribution). Strong branch presence in Fukuoka, Kyushu's largest and fastest-growing regional economy.
Headquarters: Fukuoka, Japan · Employees: 4,252
Size Nishi-Nippon Financial (7189.T) is a Japan Financials company (Regional Banks) with a market value of $3.47B, the 326th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥4,052 on 6 Nov 2026.
Performance Over six months the shares gained 2.8%, against +3.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th lowest of 21 in its peer set.
Growth Revenue grew 27.6% over the last twelve months (peer median +13.2%); the operating margin is 26.0% (peer median 36.8%).
Valuation It trades at 0.88× book value against a peer median of 1.14× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 6.9%; Nishi-Nippon Financial delivers 7.8%, so the price asks less than the business earns today.
Next results Next results expected around 10 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥237B | ¥244B | ¥194B | ¥184B | ¥151B |
| Revenue growth | — | +26% | +5% | +22% | — |
| Net income | ¥47.2B | ¥40.1B | ¥31.0B | ¥23.6B | ¥26.1B |
| Free cash flow | n/a | ¥47.6B | ¥89.1B | -¥58.9B | ¥1.69B |
| Capital expenditure | n/a | ¥40.2B | ¥6.99B | ¥5.63B | ¥5.49B |
| Total debt | ¥2.05T | ¥2.07T | ¥2.34T | ¥2.33T | ¥2.33T |
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 |
|---|---|---|---|---|---|---|
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
| Yamaguchi Financial 8418.T | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% |
| Oita Bank 8392.T | $1.18B | +13% | +25% | 5% | 0.69× | 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 | 7189.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.2% | +1.7% | 2nd lowest of 21 |
| 6-month return | +2.8% | +3.8% | 9th lowest of 21 |
| Return on equity | 7.8% | 8.8% | 7th lowest of 21 |
| Price / book | 0.88× | 1.14× | 6th cheapest of 21 |
| Trailing P/E | 12.0× | 11.2× | 8th most expensive of 19 |
| ROE the price implies | 6.9% | 9.0% | 6th least demanding of 20 |
| ROE delivered | 7.8% | 9.2% | 6th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |