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Regional bank based in Mie prefecture, serving retail and small-business customers in central Japan.
Regional bank based in Mie prefecture, serving retail and small-business customers in central Japan.
Earns mostly from the gap between what it pays depositors and charges borrowers, with securities holdings and fees as smaller sources. Years of near-zero Japanese interest rates squeezed that gap, so the move away from them bears directly on results. Lending is concentrated in its home prefecture of Mie.
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: Tsu, Japan · Founded: 1895 · Employees: 2,828
Size Hyakugo Bank (8368.T) is a Japan Financials company (Major Banks) with a market value of $2.98B, the 368th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,850 on 6 Nov 2026.
Performance Over six months the shares gained 4.2%, against +1.7% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 29.1% over the last twelve months (peer median +8.2%); the operating margin is 20.0% (peer median 32.3%).
Valuation It trades at 0.85× book value against a peer median of 1.01× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 8.0%; Hyakugo Bank delivers 6.4%, so the price asks more 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 | ¥156B | ¥161B | ¥124B | ¥118B | ¥102B |
| Revenue growth | — | +30% | +5% | +16% | — |
| Net income | ¥31.1B | ¥26.8B | ¥18.0B | ¥14.3B | ¥14.5B |
| Free cash flow | n/a | ¥38.7B | ¥34.3B | -¥28.9B | ¥8.24B |
| Capital expenditure | n/a | ¥4.85B | ¥6.44B | ¥4.95B | ¥2.84B |
| Total debt | ¥725B | ¥655B | ¥704B | ¥1.37T | ¥1.07T |
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 |
|---|---|---|---|---|---|---|
| Hyakugo Bank 8368.T | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% |
| Nanto Bank 8367.T | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% |
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
| Ogaki Kyoritsu Bank 8361.T | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% |
| Shiga Bank 8366.T | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
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 | 8368.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -32.3% | +1.8% | 2nd lowest of 21 |
| 6-month return | +4.2% | +1.7% | 9th highest of 21 |
| Return on equity | 6.4% | 10.1% | 4th lowest of 21 |
| Price / book | 0.85× | 1.01× | 7th cheapest of 21 |
| Trailing P/E | 14.4× | 12.7× | 7th most expensive of 20 |
| ROE the price implies | 8.0% | 10.5% | 5th least demanding of 20 |
| ROE delivered | 6.4% | 9.9% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| 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% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| 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% |
| 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% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| 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% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| 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% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |