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Leading regional bank in Kochi prefecture on Shikoku island, providing retail and SME banking services.
Leading regional bank in Kochi prefecture on Shikoku island, providing retail and SME banking services.
Earns mainly the gap between interest on loans and what it pays on deposits, with smaller fees from selling investment products and insurance to customers. Kochi's population is shrinking and ageing, which limits local loan demand and keeps the bank focused on defending its home market.
In one line: Kochi's community bank.
Moat: narrow (regulatory licence, distribution). Established branch and deposit leadership in Kochi prefecture.
Headquarters: Kochi, Japan · Employees: 1,319
Size Shikoku Bank (8387.T) is a Japan Financials company (Regional Banks) with a market value of $857M, the 808th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,230 on 6 Nov 2026.
Performance Over six months the shares gained 26.2%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — highest of 20 in its peer set.
Growth Revenue grew 36.2% over the last twelve months (peer median +9.2%); the operating margin is 16.5% (peer median 36.7%).
Valuation It trades at 0.68× book value against a peer median of 1.11× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 5.4%; Shikoku Bank delivers 9.6%, so the price asks less than the business earns today.
Next results Next results expected around 11 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥71.3B | ¥67.2B | ¥52.7B | ¥51.6B | ¥59.7B |
| Revenue growth | — | +27% | +2% | -14% | — |
| Net income | ¥17.4B | ¥17.4B | ¥6.81B | ¥7.29B | ¥5.55B |
| Free cash flow | n/a | ¥20.5B | ¥41.3B | ¥25.6B | -¥2.77B |
| Capital expenditure | n/a | ¥2.01B | ¥1.62B | ¥1.99B | ¥1.81B |
| Total debt | ¥212B | ¥230B | ¥183B | ¥66.6B | ¥42.3B |
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 |
|---|---|---|---|---|---|---|
| Shikoku Bank 8387.T | $857M | +26% | +36% | 10% | 0.68× | 5.4% |
| 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 | 8387.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -32.8% | +0.8% | 2nd lowest of 21 |
| 6-month return | +26.2% | +5.2% | highest of 20 |
| Return on equity | 9.6% | 10.2% | 10th lowest of 20 |
| Price / book | 0.68× | 1.11× | 6th cheapest of 21 |
| Trailing P/E | 7.8× | 12.2× | 3rd cheapest of 19 |
| ROE the price implies | 5.4% | 8.4% | 4th least demanding of 19 |
| ROE delivered | 9.6% | 10.2% | 10th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Shikoku Bank 8387.T | Japan | $857M | +26% | +36% | 10% | 0.68× | 5.4% | 9.6% |
| Bank of Iwate 8345.T | Japan | $857M | -6% | +24% | 5% | 0.64× | 5.7% | 5.2% |
| First Community Bankshares FCBC | United States | $860M | +4% | +9% | 12% | 1.58× | 9.9% | 11.8% |
| Capital City Bank CCBG | United States | $861M | +7% | 0% | 11% | 1.50× | 8.4% | 11.3% |
| Orrstown Financial Services ORRF | United States | $862M | +18% | +1% | 15% | 1.42× | 10.5% | 14.8% |
| Okinawa Financial 7350.T | Japan | $865M | +14% | +21% | 8% | 0.83× | 6.3% | 7.7% |
| Great Southern Bancorp GSBC | United States | $868M | +16% | -10% | 10% | 1.42× | 9.3% | 10.2% |
| Hong Leong Finance S41.SI | Singapore | $846M | -5% | -27% | 3% | 0.51× | 2.5% | 3.1% |
| Mid Penn Bancorp MPB | United States | $873M | +5% | +18% | 8% | 0.97× | 7.2% | 8.4% |
| Thurgauer Kantonalbank TKBP.SW | Switzerland | $838M | -6% | -11% | 6% | 0.23× | n/a | 5.6% |
| River City Bank RCBC | United States | $832M | n/a | +1% | 16% | 1.38× | 7.6% | 15.9% |
| SmartFinancial SMBK | United States | $816M | +13% | +10% | 11% | 1.40× | 10.8% | 11.1% |
| NB Bancorp NBBK | United States | $902M | +10% | +36% | 8% | 1.13× | 6.8% | 8.4% |
| Peapack-Gladstone Financial PGC | United States | $814M | +7% | +11% | 9% | 1.10× | 9.1% | 8.9% |
| Independent Bank IBCP | United States | $802M | +5% | +3% | 14% | 1.39× | 10.6% | 13.5% |
| South Plains Financial SPFI | United States | $800M | +4% | +10% | 13% | 1.28× | 8.4% | 12.6% |
| Entie Commercial Bank 2849.TW | Taiwan | $927M | +14% | +10% | 5% | 0.86× | 3.2% | 5.4% |
| Close Brothers CBG.L | United Kingdom | $791M | -10% | -12% | -6% | 0.40× | 8.8% | -5.9% |
| Luzhou Bank 1983.HK | Hong Kong | $790M | -5% | +6% | 14% | 0.45× | 4.0% | 14.0% |
| AGI AGBK | United States | $777M | -31% | n/a | n/a | 0.84× | 11.3% | n/a |
| Financial Institutions FISI | United States | $776M | +12% | +42% | 30% | 1.29× | n/a | 30.0% |