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Regional bank based in Chiba prefecture, serving retail and SME customers in the greater Tokyo area.
Regional bank based in Chiba prefecture, serving retail and SME customers in the greater Tokyo area.
Earns the gap between loan interest and deposit cost, plus fees from selling investment trusts and insurance to households. Chiba prefecture, east of Tokyo, supplies most customers, and it ranks second to Chiba Bank there. The end of Japan's negative policy rates in 2024 raised what loans can earn.
In one line: A Chiba-based community bank in the Tokyo metro periphery.
Moat: narrow (regulatory licence, distribution). Established branch network in Chiba, benefiting from Tokyo-metro-area population and business density.
Headquarters: Chiba, Japan · Employees: 1,837
Size Keiyo Bank (8544.T) is a Japan Financials company (Regional Banks) with a market value of $1.58B, the 553rd largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,155 on 6 Nov 2026.
Performance Over six months the shares fell 0.7%, against +1.5% for the median peer and +1.8% for the Japan market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 19.4% over the last twelve months (peer median +5.5%); the operating margin is -10.8% (peer median 39.0%).
Valuation It trades at 0.78× book value against a peer median of 0.97× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 6.9%; Keiyo Bank delivers 5.7%, so the price asks more than the business earns today.
Next results Next results expected around 10 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥88.8B | ¥108B | ¥78.5B | ¥69.3B | ¥63.2B |
| Revenue growth | — | +37% | +13% | +10% | — |
| Net income | ¥18.1B | ¥15.9B | ¥12.8B | ¥10.9B | ¥10.4B |
| Free cash flow | n/a | ¥2.60B | ¥29.8B | ¥1.84B | ¥1.79B |
| Capital expenditure | n/a | ¥4.26B | ¥6.09B | ¥4.58B | ¥7.80B |
| Total debt | ¥591B | ¥661B | ¥686B | ¥738B | ¥909B |
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 |
|---|---|---|---|---|---|---|
| Keiyo Bank 8544.T | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Musashino Bank 8336.T | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% |
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 | 8544.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -29.2% | -0.6% | lowest of 21 |
| 6-month return | -0.7% | +1.5% | 8th lowest of 21 |
| Return on equity | 5.7% | 10.1% | 5th lowest of 21 |
| Price / book | 0.78× | 0.97× | 5th cheapest of 21 |
| Trailing P/E | 14.3× | 12.1× | 5th most expensive of 19 |
| ROE the price implies | 6.9% | 7.5% | 11th least demanding of 21 |
| ROE delivered | 5.7% | 10.4% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| 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% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |