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Regional bank based in Wakayama prefecture, providing retail and SME banking in the Kii Peninsula region.
Regional bank based in Wakayama prefecture, providing retail and SME banking in the Kii Peninsula region.
Earns mostly from loan interest on local companies and households, plus income from a sizable securities book and fees from selling investment products. Wakayama's slow-growing economy pushes it to lend in Osaka, where it has a significant branch presence. Rising Bank of Japan rates lift loan yields.
In one line: Wakayama's community bank.
Moat: narrow (regulatory licence, distribution). Long-standing branch and deposit leadership in Wakayama prefecture.
Headquarters: Wakayama, Japan · Employees: 2,473
Size Kiyo Bank (8370.T) is a Japan Financials company (Regional Banks) with a market value of $1.83B, the 511th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥5,420 on 6 Nov 2026.
Performance Over six months the shares gained 39.1%, against +4.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 19.6% over the last twelve months (peer median +3.0%); the operating margin is 29.7% (peer median 38.8%).
Valuation It trades at 1.13× book value against a peer median of 0.93× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 8.6%; Kiyo Bank delivers 9.4%, so the price asks less than the business earns today.
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥111B | ¥111B | ¥92.1B | ¥77.5B | ¥81.0B |
| Revenue growth | — | +21% | +19% | -4% | — |
| Net income | ¥23.0B | ¥21.8B | ¥17.6B | ¥15.0B | ¥3.92B |
| Free cash flow | n/a | ¥17.4B | ¥46.0B | -¥5.16B | -¥15.0B |
| Capital expenditure | n/a | ¥3.80B | ¥4.01B | ¥3.61B | ¥3.00B |
| Total debt | ¥747B | ¥850B | ¥884B | ¥857B | ¥595B |
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 |
|---|---|---|---|---|---|---|
| Kiyo Bank 8370.T | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% |
| Nanto Bank 8367.T | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% |
| TOMONY 8600.T | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% |
| San-in Godo Bank 8381.T | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% |
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 | 8370.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +11.8% | +2.0% | 2nd highest of 21 |
| 6-month return | +39.1% | +4.8% | 2nd highest of 21 |
| Return on equity | 9.4% | 10.1% | 9th lowest of 21 |
| Price / book | 1.13× | 0.93× | 10th most expensive of 21 |
| Trailing P/E | 12.2× | 11.8× | 9th most expensive of 21 |
| ROE the price implies | 8.6% | 7.8% | 11th least demanding of 21 |
| ROE delivered | 9.4% | 10.1% | 9th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| 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% |
| Bank of Zhengzhou 002936.SZ | China | $2.01B | -3% | +1% | 3% | 0.34× | 2.6% | n/a |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| 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% |