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Regional bank based in Sendai, serving retail and corporate customers in Miyagi prefecture.
Regional bank based in Sendai, serving retail and corporate customers in Miyagi prefecture.
In one line: A small regional Japanese bank.
Moat: narrow (regulatory licence, distribution). Long-standing regional deposit franchise in Miyagi with limited competitive threat.
Headquarters: Sendai, Japan · Founded: 1878 · Employees: 2,456
Size 77 Bank (8341.T) is a Japan Financials company (Major Banks) with a market value of $4.66B, the 256th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,233 on 6 Nov 2026.
Performance Over six months the shares gained 6.9%, against +6.6% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 20.8% over the last twelve months (peer median +9.7%); the operating margin is 30.8% (peer median 36.5%).
Valuation It trades at 0.95× book value against a peer median of 1.04× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 5.9%; 77 Bank delivers 9.4%, so the price asks less 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 | ¥185B | ¥176B | ¥150B | ¥131B | ¥113B |
| Revenue growth | — | +17% | +15% | +16% | — |
| Net income | ¥63.9B | ¥54.0B | ¥39.3B | ¥29.8B | ¥25.1B |
| Free cash flow | n/a | ¥100B | ¥149B | -¥18.5B | ¥13.4B |
| Capital expenditure | n/a | ¥1.95B | ¥3.15B | ¥3.40B | ¥2.65B |
| Total debt | ¥490B | ¥557B | ¥713B | ¥819B | ¥671B |
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 |
|---|---|---|---|---|---|---|
| 77 Bank 8341.T | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
| Mebuki Financial 7167.T | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% |
| Toho Bank 8346.T | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% |
| Bank of Iwate 8345.T | $857M | -6% | +24% | 5% | 0.64× | 5.7% |
| Yamagata Bank 8344.T | $736M | +49% | +25% | 5% | 0.75× | 5.3% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Hachijuni Nagano Bank 8359.T | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% |
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 | 8341.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -23.4% | -1.5% | lowest of 21 |
| 6-month return | +6.9% | +6.6% | 10th highest of 21 |
| Return on equity | 9.4% | 10.0% | 10th lowest of 21 |
| Price / book | 0.95× | 1.04× | 9th cheapest of 21 |
| Trailing P/E | 11.3× | 13.0× | 7th cheapest of 20 |
| ROE the price implies | 5.9% | 9.6% | 4th least demanding of 19 |
| ROE delivered | 9.4% | 10.1% | 9th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Bank of Chongqing 1963.HK | Hong Kong | $5.11B | +1% | +10% | 10% | 0.41× | 4.2% | 9.9% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
| 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% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| 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% |