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Holding company for Juroku Bank, the leading regional bank in Gifu prefecture.
Holding company for Juroku Bank, the leading regional bank in Gifu prefecture.
Earns the gap between interest on loans and securities and the small interest paid on deposits, plus fees from investment trusts and insurance sold to its customers. The bank's home prefecture has a shrinking, ageing population, so growth depends on winning more of existing customers' business.
In one line: Gifu's community bank.
Moat: narrow (regulatory licence, distribution). Long-standing deposit and branch leadership in Gifu prefecture.
Headquarters: Gifu, Japan · Employees: 2,322
Size Juroku Financial Group,Inc (7380.T) is a Japan Financials company (Regional Banks) with a market value of $2.30B, the 442nd largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,050 on 6 Nov 2026.
Performance Over six months the shares fell 0.4%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 16.3% over the last twelve months (peer median +0.8%); the operating margin is 16.0% (peer median 36.1%).
Valuation It trades at 0.70× book value against a peer median of 1.20× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 6.3%; Juroku Financial Group,Inc delivers 6.1%, so the price asks more than the business earns today.
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥142B | ¥168B | ¥136B | ¥128B | ¥112B |
| Revenue growth | — | +24% | +6% | +14% | — |
| Net income | ¥28.9B | ¥27.4B | ¥20.8B | ¥19.3B | ¥18.6B |
| Free cash flow | n/a | ¥4.26B | ¥59.8B | ¥4.88B | -¥40.2B |
| Capital expenditure | n/a | ¥20.1B | ¥5.03B | ¥4.25B | ¥2.57B |
| Total debt | ¥521B | ¥554B | ¥707B | ¥566B | ¥427B |
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 |
|---|---|---|---|---|---|---|
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
| Ogaki Kyoritsu Bank 8361.T | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% |
| Bank of Nagoya 8522.T | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% |
| Hyakugo Bank 8368.T | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
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 | 7380.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -30.2% | +0.4% | lowest of 21 |
| 6-month return | -0.4% | +5.2% | 8th lowest of 21 |
| Return on equity | 6.1% | 9.9% | 2nd lowest of 21 |
| Price / book | 0.70× | 1.20× | 6th cheapest of 21 |
| Trailing P/E | 12.6× | 11.6× | 6th most expensive of 21 |
| ROE the price implies | 6.3% | 9.6% | 6th least demanding of 20 |
| ROE delivered | 6.1% | 10.0% | lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Bank of Zhengzhou 6196.HK | Hong Kong | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% | n/a |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |