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Leading regional bank in Miyazaki prefecture, Kyushu, providing retail and SME banking services.
Leading regional bank in Miyazaki prefecture, Kyushu, providing retail and SME banking services.
Earns mostly from the gap between interest on loans to local households and small firms and the cost of deposits, with securities income and fees as secondary lines. Business is concentrated in one Kyushu prefecture, where it competes with Miyazaki Taiyo Bank, so local population trends matter.
In one line: Miyazaki's community bank.
Moat: narrow (regulatory licence, distribution). Long-standing deposit and branch leadership in Miyazaki prefecture.
Headquarters: Miyazaki, Japan · Employees: 1,392
Size Miyazaki Bank (8393.T) is a Japan Financials company (Regional Banks) with a market value of $1.16B, the 676th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,146 on 6 Nov 2026.
Performance Over six months the shares gained 8.4%, against +8.3% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th highest of 20 in its peer set.
Growth Revenue grew 8.3% over the last twelve months (peer median +11.3%); the operating margin is 20.5% (peer median 38.9%).
Valuation It trades at 0.77× book value against a peer median of 1.18× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 6.2%; Miyazaki Bank delivers 7.0%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥85.2B | ¥88.1B | ¥78.2B | ¥66.7B | ¥62.7B |
| Revenue growth | — | +13% | +17% | +6% | — |
| Net income | ¥15.0B | ¥14.1B | ¥9.78B | ¥7.09B | ¥8.13B |
| Free cash flow | n/a | ¥31.2B | ¥80.0B | ¥64.2B | ¥23.4B |
| Capital expenditure | n/a | ¥1.40B | ¥2.52B | ¥2.90B | ¥2.41B |
| Total debt | ¥542B | ¥594B | ¥676B | ¥727B | ¥723B |
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 |
|---|---|---|---|---|---|---|
| Miyazaki Bank 8393.T | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% |
| Oita Bank 8392.T | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% |
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
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 | 8393.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -29.4% | 0.0% | 2nd lowest of 21 |
| 6-month return | +8.4% | +8.3% | 10th highest of 20 |
| Return on equity | 7.0% | 11.9% | 5th lowest of 21 |
| Price / book | 0.77× | 1.18× | 5th cheapest of 21 |
| Trailing P/E | 12.1× | 11.1× | 9th most expensive of 21 |
| ROE the price implies | 6.2% | 9.1% | 4th least demanding of 21 |
| ROE delivered | 7.0% | 12.0% | 5th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |
| Business First Bancshares BFST | United States | $1.04B | +16% | +7% | 10% | 1.02× | 8.6% | 10.1% |