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Regional bank based in Fukui prefecture, serving retail and small-business customers on Japan's western coast.
Regional bank based in Fukui prefecture, serving retail and small-business customers on Japan's western coast.
Earns mainly from interest on loans to local small companies and households, funded by local deposits, with fees on sales of investment products and insurance a smaller part. Its customers are tied to Fukui prefecture's economy, including its eyeglass-frame and textile-materials clusters.
In one line: A rural Japanese community bank.
Moat: narrow (distribution, regulatory licence). Long-standing local branch network and deposit base in its home prefecture.
Headquarters: Fukui, Japan · Founded: 1899 · Employees: 1,732
Size Fukui Bank (8362.T) is a Japan Financials company (Major Banks) with a market value of $872M, the 791st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥5,870 on 6 Nov 2026.
Performance Over six months the shares gained 56.5%, against +12.7% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 16.3% over the last twelve months (peer median +6.0%); the operating margin is 5.7% (peer median 26.2%).
Valuation It trades at 0.86× book value against a peer median of 1.27× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 7.9%; Fukui Bank delivers 7.5%, 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 | ¥73.0B | ¥76.6B | ¥61.8B | ¥54.7B | ¥53.7B |
| Revenue growth | — | +24% | +13% | +2% | — |
| Net income | ¥11.4B | ¥8.63B | ¥7.17B | ¥3.72B | ¥1.80B |
| Free cash flow | n/a | ¥28.4B | ¥20.7B | -¥8.10B | -¥4.09B |
| Capital expenditure | n/a | ¥1.16B | ¥1.23B | ¥2.10B | ¥1.48B |
| Total debt | ¥690B | ¥691B | ¥688B | ¥575B | ¥456B |
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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 | 8362.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -31.7% | +2.3% | lowest of 21 |
| 6-month return | +56.5% | +12.7% | 2nd highest of 21 |
| Return on equity | 7.5% | 8.5% | 10th lowest of 21 |
| Price / book | 0.86× | 1.27× | 7th cheapest of 21 |
| Trailing P/E | 12.2× | 13.1× | 9th cheapest of 20 |
| ROE the price implies | 7.9% | 8.6% | 8th least demanding of 20 |
| ROE delivered | 7.5% | 8.4% | 11th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Fukui Bank 8362.T | Japan | $872M | +57% | +16% | 7% | 0.86× | 7.9% | 7.5% |
| O-Bank 2897.TW | Taiwan | $889M | +4% | -7% | 6% | 0.68× | 2.8% | 5.6% |
| Chiba Kogyo Bank 8337.T | Japan | $845M | +10% | +28% | 5% | 1.01× | 8.4% | 4.9% |
| First Financial THFF | United States | $907M | +12% | +10% | 14% | 1.37× | 8.6% | 14.3% |
| Alerus Financial ALRS | United States | $837M | +26% | -15% | 5% | 1.45× | 10.7% | 5.3% |
| Farmers National Banc FMNB | United States | $914M | +9% | +26% | 12% | 1.28× | 10.2% | 11.6% |
| Camden National CAC | United States | $980M | +18% | +6% | 13% | 1.36× | 9.5% | 12.9% |
| Renta 4 Banco R4.MC | Spain | $984M | +13% | +12% | 29% | 4.15× | 13.9% | 29.0% |
| Alandsbanken Abp ALBAV.HE | Finland | $724M | -5% | -4% | 16% | 2.30× | 8.3% | 16.3% |
| Arrow Financial AROW | United States | $713M | +4% | +14% | 9% | 1.38× | 10.6% | 9.4% |
| Laan & Spar Bank A/S LASP.CO | Denmark | $711M | +11% | -7% | 12% | 1.26× | 5.2% | 11.7% |
| VP Bank VPBN.SW | Switzerland | $706M | +14% | -10% | 4% | 0.49× | n/a | 4.3% |
| Capital Bancorp CBNK | United States | $692M | +34% | +10% | 13% | 1.60× | 10.0% | 13.2% |
| Amerant Bancorp AMTB | United States | $1.15B | +26% | -8% | 8% | 1.38× | 11.0% | 7.5% |
| Yamanashi Chuo Bank 8360.T | Japan | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% | 5.0% |
| Bank of Kaohsiung 2836.TW | Taiwan | $652M | -1% | -5% | 5% | 0.78× | 3.0% | 5.3% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| ProCredit PCZ.DE | Germany | $580M | +9% | +6% | 7% | 0.48× | 7.0% | 7.1% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| Grupo Supervielle SA Sponsored ADR SUPV | United States | $567M | -29% | -5% | -7% | 0.62× | 9.2% | -6.9% |