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Holding company for The Bank of Okinawa, the regional bank serving Okinawa prefecture.
Holding company for The Bank of Okinawa, the regional bank serving Okinawa prefecture.
Earns mainly the margin between loan interest and deposit costs, with fees from investment trusts, insurance and cards as a second layer. Its customers are concentrated in Okinawa, where tourism and public spending shape local lending demand.
In one line: Okinawa's community bank.
Moat: narrow (regulatory licence, distribution). Established branch/deposit base tied to Okinawa's tourism-driven economy.
Headquarters: Naha, Okinawa, Japan · Employees: 1,513
Size Okinawa Financial (7350.T) is a Japan Financials company (Regional Banks) with a market value of $865M, the 799th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥6,390 on 6 Nov 2026.
Performance Over six months the shares gained 13.5%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 5th highest of 20 in its peer set.
Growth Revenue grew 21.0% over the last twelve months (peer median +5.9%); the operating margin is 25.6% (peer median 36.1%).
Valuation It trades at 0.83× book value against a peer median of 1.11× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 6.3%; Okinawa Financial delivers 7.7%, so the price asks less than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥69.9B | ¥69.5B | ¥57.8B | ¥52.8B | ¥51.5B |
| Revenue growth | — | +20% | +9% | +3% | — |
| Net income | ¥12.3B | ¥11.3B | ¥7.94B | ¥6.26B | ¥5.83B |
| Free cash flow | n/a | ¥4.20B | ¥10.2B | ¥4.82B | ¥3.94B |
| Capital expenditure | n/a | ¥1.81B | ¥1.90B | ¥1.57B | ¥2.27B |
| Total debt | ¥88.0B | ¥96.5B | ¥100B | ¥94.6B | ¥161B |
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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 | 7350.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.5% | -0.1% | 4th lowest of 21 |
| 6-month return | +13.5% | +5.2% | 5th highest of 20 |
| Return on equity | 7.7% | 9.6% | 7th lowest of 20 |
| Price / book | 0.83× | 1.11× | 7th cheapest of 21 |
| Trailing P/E | 11.1× | 12.7× | 7th cheapest of 19 |
| ROE the price implies | 6.3% | 8.4% | 6th least demanding of 20 |
| ROE delivered | 7.7% | 9.6% | 7th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Okinawa Financial 7350.T | Japan | $865M | +14% | +21% | 8% | 0.83× | 6.3% | 7.7% |
| Orrstown Financial Services ORRF | United States | $862M | +18% | +1% | 15% | 1.42× | 10.5% | 14.8% |
| Great Southern Bancorp GSBC | United States | $868M | +16% | -10% | 10% | 1.42× | 9.3% | 10.2% |
| Capital City Bank CCBG | United States | $861M | +7% | 0% | 11% | 1.50× | 8.4% | 11.3% |
| First Community Bankshares FCBC | United States | $860M | +4% | +9% | 12% | 1.58× | 9.9% | 11.8% |
| Shikoku Bank 8387.T | Japan | $857M | +26% | +36% | 10% | 0.68× | 5.4% | 9.6% |
| Mid Penn Bancorp MPB | United States | $873M | +5% | +18% | 8% | 0.97× | 7.2% | 8.4% |
| Bank of Iwate 8345.T | Japan | $857M | -6% | +24% | 5% | 0.64× | 5.7% | 5.2% |
| Hong Leong Finance S41.SI | Singapore | $846M | -5% | -27% | 3% | 0.51× | 2.5% | 3.1% |
| Thurgauer Kantonalbank TKBP.SW | Switzerland | $838M | -6% | -11% | 6% | 0.23× | n/a | 5.6% |
| River City Bank RCBC | United States | $832M | n/a | +1% | 16% | 1.38× | 7.6% | 15.9% |
| NB Bancorp NBBK | United States | $902M | +10% | +36% | 8% | 1.13× | 6.8% | 8.4% |
| SmartFinancial SMBK | United States | $816M | +13% | +10% | 11% | 1.40× | 10.8% | 11.1% |
| Peapack-Gladstone Financial PGC | United States | $814M | +7% | +11% | 9% | 1.10× | 9.1% | 8.9% |
| Entie Commercial Bank 2849.TW | Taiwan | $927M | +14% | +10% | 5% | 0.86× | 3.2% | 5.4% |
| Independent Bank IBCP | United States | $802M | +5% | +3% | 14% | 1.39× | 10.6% | 13.5% |
| South Plains Financial SPFI | United States | $800M | +4% | +10% | 13% | 1.28× | 8.4% | 12.6% |
| Close Brothers CBG.L | United Kingdom | $791M | -10% | -12% | -6% | 0.40× | 8.8% | -5.9% |
| Luzhou Bank 1983.HK | Hong Kong | $790M | -5% | +6% | 14% | 0.45× | 4.0% | 14.0% |
| AGI AGBK | United States | $777M | -31% | n/a | n/a | 0.84× | 11.3% | n/a |
| Aktia Bank AKTIA.HE | Finland | $963M | +3% | +1% | 2% | 1.32× | 7.6% | 1.8% |