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Regional bank based in Tokushima prefecture, serving retail and small-business customers on Shikoku island.
Regional bank based in Tokushima prefecture, serving retail and small-business customers on Shikoku island.
Earns the spread between loans and deposits within Tokushima, mostly to small firms and households. Loan growth is limited by the local economy, so interest-rate changes matter.
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: Tokushima, Japan · Founded: 1896 · Employees: 1,410
Size Awa Bank (8388.T) is a Japan Financials company (Major Banks) with a market value of $2.15B, the 459th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥11,130 on 6 Nov 2026.
Performance Over six months the shares gained 94.2%, against +2.2% for the median peer and +1.8% for the Japan market (cap-weighted) — highest of 20 in its peer set.
Growth Revenue grew 23.3% over the last twelve months (peer median +6.3%); the operating margin is 12.1% (peer median 29.4%).
Valuation It trades at 0.80× book value against a peer median of 0.93× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 5.3%; Awa Bank delivers 4.7%, so the price asks more 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 | ¥93.9B | ¥94.4B | ¥76.3B | ¥74.4B | ¥87.5B |
| Revenue growth | — | +24% | +3% | -15% | — |
| Net income | ¥17.6B | ¥15.5B | ¥13.2B | ¥11.3B | ¥10.2B |
| Free cash flow | n/a | ¥11.8B | ¥36.7B | ¥3.68B | -¥5.59B |
| Capital expenditure | n/a | ¥3.12B | ¥3.13B | ¥3.21B | ¥4.07B |
| Total debt | ¥191B | ¥226B | ¥208B | ¥168B | ¥128B |
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 |
|---|---|---|---|---|---|---|
| Awa Bank 8388.T | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% |
| Hyakujushi Bank 8386.T | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% |
| TOMONY 8600.T | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% |
| Shikoku Bank 8387.T | $857M | +26% | +36% | 10% | 0.68× | 5.4% |
| Ehime Bank 8541.T | $733M | +66% | +8% | 5% | 0.80× | 5.2% |
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 | 8388.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +24.6% | -0.9% | highest of 21 |
| 6-month return | +94.2% | +2.2% | highest of 20 |
| Return on equity | 4.7% | 8.2% | 2nd lowest of 21 |
| Price / book | 0.80× | 0.93× | 6th cheapest of 21 |
| Trailing P/E | 19.0× | 10.4× | 3rd most expensive of 20 |
| ROE the price implies | 5.3% | 8.1% | 4th least demanding of 21 |
| ROE delivered | 4.7% | 8.5% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| 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% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| 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 |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |