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Regional bank based in Shiga prefecture, serving retail and small-business customers near Kyoto and Osaka.
Regional bank based in Shiga prefecture, serving retail and small-business customers near Kyoto and Osaka.
Earns mostly from the gap between interest on loans and securities and the interest paid on deposits, so Japan's policy rate matters more to it than any single product. Fees from selling investment and insurance products add a smaller layer. Its fortunes track the local economy of Shiga and the nearby Kyoto-Osaka area.
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: Otsu, Japan · Founded: 1933 · Employees: 2,243
Size Shiga Bank (8366.T) is a Japan Financials company (Major Banks) with a market value of $3.12B, the 355th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,136 on 6 Nov 2026.
Performance Over six months the shares gained 11.0%, against +5.5% for the median peer and +1.8% for the Japan market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 23.0% over the last twelve months (peer median +12.1%); the operating margin is 16.7% (peer median 32.3%).
Valuation It trades at 0.76× book value against a peer median of 1.00× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 3.9%; Shiga Bank delivers 4.4%, so the price asks less 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 | ¥155B | ¥156B | ¥130B | ¥121B | ¥113B |
| Revenue growth | — | +21% | +7% | +7% | — |
| Net income | ¥24.5B | ¥21.3B | ¥18.7B | ¥15.9B | ¥14.9B |
| Free cash flow | n/a | ¥16.4B | ¥12.7B | -¥1.23B | -¥6.34B |
| Capital expenditure | n/a | ¥6.68B | ¥10.6B | ¥1.18B | ¥5.08B |
| Total debt | ¥953B | ¥1.01T | ¥1.10T | ¥1.47T | ¥982B |
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 |
|---|---|---|---|---|---|---|
| Shiga Bank 8366.T | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% |
| Kyoto Financial Group,Inc 5844.T | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% |
| Nanto Bank 8367.T | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% |
| Ogaki Kyoritsu Bank 8361.T | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% |
| Hyakugo Bank 8368.T | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% |
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 | 8366.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -32.8% | +1.8% | lowest of 21 |
| 6-month return | +11.0% | +5.5% | 5th highest of 21 |
| Return on equity | 4.4% | 9.5% | 3rd lowest of 21 |
| Price / book | 0.76× | 1.00× | 5th cheapest of 21 |
| Trailing P/E | 20.1× | 12.7× | most expensive of 20 |
| ROE the price implies | 3.9% | 9.7% | 2nd least demanding of 20 |
| ROE delivered | 4.4% | 9.6% | 3rd lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |