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Second-tier regional bank serving Nagoya and Aichi prefecture, Japan's auto-industrial heartland.
Second-tier regional bank serving Nagoya and Aichi prefecture, Japan's auto-industrial heartland.
Earns mostly from loan interest on small manufacturers and households in Aichi, with fee income from investment products and securities holdings, and competes with larger banks in its home city. Aichi's auto sector generates loan demand, but lending to auto suppliers depends on carmakers' production.
In one line: A community bank operating in Japan's Detroit.
Moat: narrow (regulatory licence, distribution). Long-standing relationships with Aichi's dense manufacturing SME base.
Headquarters: Nagoya, Japan · Employees: 1,926
Size Bank of Nagoya (8522.T) is a Japan Financials company (Regional Banks) with a market value of $1.67B, the 534th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥5,340 on 6 Nov 2026.
Performance Over six months the shares fell 7.9%, against +3.7% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 25.0% over the last twelve months (peer median +3.1%); the operating margin is 24.9% (peer median 41.4%).
Valuation It trades at 0.83× book value against a peer median of 0.94× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 6.1%; Bank of Nagoya delivers 7.3%, so the price asks less 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 | ¥122B | ¥124B | ¥102B | ¥101B | ¥79.3B |
| Revenue growth | — | +22% | +1% | +27% | — |
| Net income | ¥21.8B | ¥20.3B | ¥14.7B | ¥10.0B | ¥8.38B |
| Free cash flow | n/a | ¥11.6B | ¥57.9B | -¥34.4B | ¥445M |
| Capital expenditure | n/a | ¥3.79B | ¥2.27B | ¥6.40B | ¥1.88B |
| Total debt | ¥379B | ¥379B | ¥379B | ¥410B | ¥425B |
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 |
|---|---|---|---|---|---|---|
| Bank of Nagoya 8522.T | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% |
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
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 | 8522.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -26.3% | +1.0% | 2nd lowest of 21 |
| 6-month return | -7.9% | +3.7% | 4th lowest of 21 |
| Return on equity | 7.3% | 9.9% | 8th lowest of 21 |
| Price / book | 0.83× | 0.94× | 9th cheapest of 21 |
| Trailing P/E | 12.1× | 12.1× | 9th cheapest of 19 |
| ROE the price implies | 6.1% | 8.0% | 9th least demanding of 21 |
| ROE delivered | 7.3% | 10.0% | 7th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |