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Regional bank based in Ogaki, Gifu prefecture, serving retail and SME customers in the Chubu region.
Regional bank based in Ogaki, Gifu prefecture, serving retail and SME customers in the Chubu region.
Income is mainly the spread between interest on loans and the low rates paid on deposits, plus fees and securities holdings. With demand in its home prefecture limited, it has built lending in neighbouring Aichi, around Nagoya, one of Japan's largest industrial areas.
In one line: A mid-size Japanese prefectural community bank.
Moat: narrow (regulatory licence, distribution). Established branch network across western Gifu prefecture.
Headquarters: Ogaki, Gifu, Japan · Employees: 2,959
Size Ogaki Kyoritsu Bank (8361.T) is a Japan Financials company (Regional Banks) with a market value of $1.75B, the 521st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥8,840 on 6 Nov 2026.
Performance Over six months the shares gained 44.9%, against +4.8% for the median peer and +1.8% for the Japan market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue grew 39.3% over the last twelve months (peer median +3.1%); the operating margin is -2.6% (peer median 42.9%).
Valuation It trades at 0.66× book value against a peer median of 1.06× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 6.1%; Ogaki Kyoritsu Bank delivers 5.6%, so the price asks more 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 | ¥115B | ¥178B | ¥85.8B | ¥90.3B | ¥81.9B |
| Revenue growth | — | +108% | -5% | +10% | — |
| Net income | ¥21.0B | ¥19.4B | ¥14.7B | ¥9.47B | ¥4.83B |
| Free cash flow | n/a | ¥6.69B | ¥45.6B | -¥12.2B | -¥23.0B |
| Capital expenditure | n/a | ¥3.40B | ¥4.02B | ¥5.50B | ¥4.61B |
| Total debt | ¥366B | ¥371B | ¥387B | ¥441B | ¥547B |
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 |
|---|---|---|---|---|---|---|
| Ogaki Kyoritsu Bank 8361.T | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% |
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
| Bank of Nagoya 8522.T | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% |
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 | 8361.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +14.5% | +2.1% | highest of 21 |
| 6-month return | +44.9% | +4.8% | highest of 21 |
| Return on equity | 5.6% | 9.9% | 4th lowest of 21 |
| Price / book | 0.66× | 1.06× | 7th cheapest of 21 |
| Trailing P/E | 13.3× | 12.1× | 5th most expensive of 20 |
| ROE the price implies | 6.1% | 9.3% | 8th least demanding of 21 |
| ROE delivered | 5.6% | 9.9% | 4th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |