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Holding company for Yamaguchi Bank, Kitakyushu Bank and Momiji Bank, serving Yamaguchi and northern Kyushu.
Holding company for Yamaguchi Bank, Kitakyushu Bank and Momiji Bank, serving Yamaguchi and northern Kyushu.
Earns mostly on the gap between loan and deposit rates across three banks: Yamaguchi in its home prefecture, Kitakyushu in northern Kyushu and Momiji in Hiroshima, with fees from investment and insurance products as a smaller layer. Rising Japanese interest rates widen that gap.
In one line: A multi-bank regional holding company spanning two prefectures.
Moat: narrow (regulatory licence, distribution). Combined branch density across three bank brands in the Yamaguchi-Kitakyushu corridor.
Headquarters: Yamaguchi, Japan · Employees: 3,459
Size Yamaguchi Financial (8418.T) is a Japan Financials company (Regional Banks) with a market value of $3.54B, the 321st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,852 on 6 Nov 2026.
Performance Over six months the shares gained 6.1%, against +3.3% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 19.2% over the last twelve months (peer median +13.6%); the operating margin is 7.7% (peer median 37.9%).
Valuation It trades at 0.84× book value against a peer median of 1.13× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 5.8%; Yamaguchi Financial delivers 5.7%, 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 | ¥234B | ¥255B | ¥209B | ¥180B | ¥150B |
| Revenue growth | — | +22% | +16% | +20% | — |
| Net income | ¥37.5B | ¥33.0B | ¥35.3B | ¥25.2B | ¥17.9B |
| Free cash flow | n/a | ¥36.7B | ¥94.3B | ¥8.28B | ¥32.1B |
| Capital expenditure | n/a | ¥11.2B | ¥4.64B | ¥8.28B | ¥4.46B |
| Total debt | ¥1.23T | ¥1.05T | ¥1.18T | ¥1.29T | ¥1.07T |
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 |
|---|---|---|---|---|---|---|
| Yamaguchi Financial 8418.T | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% |
| Hirogin 7337.T | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% |
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
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 | 8418.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.9% | +2.5% | lowest of 21 |
| 6-month return | +6.1% | +3.3% | 9th highest of 21 |
| Return on equity | 5.7% | 9.1% | 3rd lowest of 21 |
| Price / book | 0.84× | 1.13× | 3rd cheapest of 21 |
| Trailing P/E | 15.8× | 11.2× | 2nd most expensive of 19 |
| ROE the price implies | 5.8% | 9.2% | 4th least demanding of 21 |
| ROE delivered | 5.7% | 9.4% | 2nd lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |