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Regional bank holding company serving Kyushu, Japan's southern region, through retail and corporate banking.
Regional bank holding company serving Kyushu, Japan's southern region, through retail and corporate banking.
Earns the spread between loan and deposit rates in Fukuoka and across Kyushu, with fees from consulting, asset sales and cashless payments, and holds other Kyushu banks alongside the Bank of Fukuoka. Revenue depends on the pace of Bank of Japan rate changes and the Kyushu regional economy.
In one line: A regional Japanese bank holding company.
Moat: narrow (regulatory licence, distribution). Regional branch network and deposit franchise built over decades in Kyushu.
Headquarters: Fukuoka, Japan · Founded: 2007 · Employees: 8,050
Size Fukuoka Financial (8354.T) is a Japan Financials company (Major Banks) with a market value of $7.75B, the 167th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥6,432 on 6 Nov 2026.
Performance Over six months the shares gained 0.4%, against +5.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 22.4% over the last twelve months (peer median +3.8%); the operating margin is 17.3% (peer median 39.7%).
Valuation It trades at 1.08× book value against a peer median of 1.25× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 7.0%; Fukuoka Financial delivers 8.7%, 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 | ¥563B | ¥619B | ¥454B | ¥404B | ¥330B |
| Revenue growth | — | +36% | +13% | +22% | — |
| Net income | ¥91.3B | ¥85.4B | ¥72.1B | ¥61.2B | ¥31.2B |
| Free cash flow | n/a | ¥17.9B | ¥250B | -¥69.0B | ¥112B |
| Capital expenditure | n/a | ¥26.1B | ¥19.7B | ¥22.3B | ¥18.8B |
| Total debt | ¥9.03T | ¥10.1T | ¥9.09T | ¥9.57T | ¥7.78T |
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 |
|---|---|---|---|---|---|---|
| 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% |
| Kyushu Financial 7180.T | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% |
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
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 | 8354.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -19.9% | +2.3% | 2nd lowest of 21 |
| 6-month return | +0.4% | +5.0% | 8th lowest of 21 |
| Return on equity | 8.7% | 10.9% | 4th lowest of 21 |
| Price / book | 1.08× | 1.25× | 8th cheapest of 21 |
| Trailing P/E | 13.3× | 11.4× | 7th most expensive of 21 |
| ROE the price implies | 7.0% | 11.4% | 7th least demanding of 21 |
| ROE delivered | 8.7% | 10.9% | 4th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |