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Regional bank based in Kagawa prefecture, serving retail and small-business customers on Shikoku island.
Regional bank based in Kagawa prefecture, serving retail and small-business customers on Shikoku island.
Earns mostly from interest on loans to local households and companies funded by local deposits, with fee income from fund sales and insurance a smaller layer. Lending is concentrated in its home region, so Kagawa's economy sets results. Higher Bank of Japan rates since 2024 lift loan yields faster than deposit costs.
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: Takamatsu, Japan · Founded: 1878 · Employees: 2,107
Size Hyakujushi Bank (8386.T) is a Japan Financials company (Major Banks) with a market value of $1.78B, the 518th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,464 on 6 Nov 2026.
Performance Over six months the shares gained 3.7%, against +6.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th lowest of 20 in its peer set.
Growth Revenue grew 22.2% over the last twelve months (peer median +4.1%); the operating margin is 17.1% (peer median 32.6%).
Valuation It trades at 0.72× book value against a peer median of 1.02× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 6.7%; Hyakujushi Bank delivers 5.6%, 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 | ¥92.0B | ¥107B | ¥88.4B | ¥80.4B | ¥83.3B |
| Revenue growth | — | +21% | +10% | -3% | — |
| Net income | ¥20.2B | ¥18.9B | ¥13.7B | ¥9.64B | ¥9.17B |
| Free cash flow | n/a | ¥25.6B | -¥715M | ¥7.40B | ¥13.7B |
| Capital expenditure | n/a | ¥4.93B | ¥4.16B | ¥3.92B | ¥2.50B |
| Total debt | ¥409B | ¥474B | ¥622B | ¥631B | ¥645B |
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 |
|---|---|---|---|---|---|---|
| Hyakujushi Bank 8386.T | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% |
| Awa Bank 8388.T | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% |
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 | 8386.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -26.1% | 0.0% | 2nd lowest of 21 |
| 6-month return | +3.7% | +6.2% | 9th lowest of 20 |
| Return on equity | 5.6% | 10.6% | 4th lowest of 21 |
| Price / book | 0.72× | 1.02× | 3rd cheapest of 21 |
| Trailing P/E | 13.8× | 11.8× | 7th most expensive of 20 |
| ROE the price implies | 6.7% | 9.1% | 8th least demanding of 21 |
| ROE delivered | 5.6% | 10.7% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |