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← CockpitCompetitor Analysis › 8551.T Kita-Nippon Bank, Ltd.Open in the cockpit ↗

Kita-Nippon Bank, Ltd.8551.TCompetitor analysis, valuation and peers

Japan · JPY·Financials›Regional Banks
Momentum leader 100
Mkt cap
$324M
US dollars, full cap
Free float
79%
of shares outstanding
$/day
$2.58M
20-day average traded
P/B
0.53×
price to book
ROE
5.5%
delivered
Implied ROE
4.4%
what the price asks
Next earnings
6 days
12 Nov 2026
Close · JPY¥9,130
1Dn/a
1W+4.1%
1M+25.8%
3M+71.9%
6M+98.3%
YTD+102.0%
1Y+137.1%
ATR %3.6%
52w lowhigh1.3% off high

What Kita-Nippon Bank does

Employees: 771

Kita-Nippon Bank at a glance

Size Kita-Nippon Bank (8551.T) is a Japan Financials company (Regional Banks) with a market value of $324M, the 1318th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥9,130 on 6 Nov 2026.

Performance Over six months the shares gained 98.3%, against +6.4% for the median peer and +1.8% for the Japan market (cap-weighted) — highest of 20 in its peer set.

Growth Revenue grew 17.3% over the last twelve months (peer median +8.1%); the operating margin is 24.9% (peer median 34.0%).

Valuation It trades at 0.53× book value against a peer median of 1.20× (cheapest of 21).

Price implies The share price implies a return on equity of about 4.4%; Kita-Nippon Bank delivers 5.5%, so the price asks less than the business earns today.

Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).

Relative performance

10015020011 May 202611 Aug 20266 Nov 20268551.T 207Peer median 108
Six months, rebased to 100: Kita-Nippon Bank against the median of its 20 peers (local-currency closes).

Kita-Nippon Bank financials

Reported figures in JPY; fiscal year ends 2026-03-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue¥30.4B¥29.0B¥25.7B¥24.7B¥22.8B
Revenue growth—+13%+4%+9%—
Net income¥5.03B¥4.36B¥4.01B¥3.07B¥2.66B
Free cash flown/a¥9.16B¥6.96B-¥2.76B¥2.06B
Capital expendituren/a¥2.06B¥874M¥1.22B¥1.11B
Total debt¥1.38B¥1.69B¥1.61B¥1.91B¥2.05B

Quarterly statements and history in the cockpit →

Kita-Nippon Bank competitor charts

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.

Performance: 6-month against 1-month return

0%+25%+50%+75%+100%-40%-20%0%+20%JMSBCOSOMVBFFRAFFCCOCFFIISBABPRN8338USCBGRLAISTR8551.T6-month return →1-month return →
Up and to the right = strong over both horizons. Kita-Nippon Bank is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×JMSBCOSOMVBFFRAFFCCOBCMLCFFIISBAATLOFRST8338USCBHBLNGRLAROGSAVBHISTRPKBK8551.TReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Kita-Nippon Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%JMSBCOSOMVBFFRAFBCMLISBABPRNATLO8338USCBGRLAROGSAVBHPKBK8551.TROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Kita-Nippon Bank is the large dot.

Kita-Nippon Bank competitors and peer comparison

How Kita-Nippon Bank compares with its peers

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.

Kita-Nippon Bank against its 20 peers (data as of 6 Nov 2026)
Measure8551.TPeer medianRank in peer set
1-month return+25.8%+1.5%highest of 20
6-month return+98.3%+6.4%highest of 20
Return on equity5.5%11.3%4th lowest of 21
Price / book0.53×1.20×cheapest of 21
Trailing P/E10.2×12.4×3rd cheapest of 20
ROE the price implies4.4%7.7%least demanding of 19
ROE delivered5.5%11.0%4th lowest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Kita-Nippon Bank 8551.TJapan$324M+98%+17%5%0.53×4.4%5.5%
John Marshall Bancorp JMSBUnited States$327M+9%+7%10%1.18×7.7%9.9%
CoastalSouth Bancshares COSOUnited States$330M+9%+8%12%1.26×7.2%11.5%
MVB Financial MVBFUnited States$337M-1%+11%7%1.02×9.5%6.7%
Franklin Financial Services FRAFUnited States$311M+18%+7%16%1.75×8.9%16.2%
First Community FCCOUnited States$309M+8%+19%37%1.51×n/a37.5%
BayCom BCMLUnited States$340M+1%-5%3%1.02×6.6%2.8%
C&F Financial CFFIUnited States$342M+41%+8%12%1.27×7.6%11.6%
Isabella Bank ISBAUnited States$345M-5%+11%9%1.22×7.1%8.9%
Princeton Bancorp BPRNUnited States$303M+26%-4%8%1.12×7.7%7.6%
Ames National ATLOUnited States$300M+18%+8%13%1.46×7.9%12.5%
Primis Financial FRSTUnited States$359M0%+17%13%0.82×7.5%13.4%
Tsukuba Bank 8338.TJapan$290M-4%+19%7%0.60×6.6%6.7%
USCB Financial USCBUnited States$363M+5%+3%13%1.64×9.9%13.4%
Hypothekarbank Lenzburg HBLN.SWSwitzerland$368M0%+4%4%0.60×n/a4.3%
GronlandsBANKEN A/S GRLA.CODenmark$373M+43%-13%12%1.59×5.9%11.8%
Rogaland Sparebank ROGS.OLNorway$375M+4%0%7%0.83×5.3%6.9%
Avidbank AVBHUnited States$378M+14%-32%-6%1.28×7.3%-5.6%
Georgia Banking GBCUnited States$382Mn/an/a12%1.23×8.9%n/a
Investar ISTRUnited States$383M-2%+34%11%1.00×7.7%11.0%
Parke Bancorp PKBKUnited States$384M+6%+9%14%1.17×8.3%14.1%

Questions

Which companies are Kita-Nippon Bank's closest peers?
The cockpit's peer set: John Marshall Bancorp (JMSB), CoastalSouth Bancshares (COSO), MVB Financial (MVBF), Franklin Financial Services (FRAF), First Community (FCCO), BayCom (BCML), C&F Financial (CFFI), Isabella Bank (ISBA).
Is Kita-Nippon Bank expensive compared with its peers?
On price / book it trades at 0.53× against a peer median of 1.20×, cheapest of 21 in its peer set. The share price implies a return on equity of about 4.4%; Kita-Nippon Bank delivers 5.5%, so the price asks less than the business earns today.
How has Kita-Nippon Bank stock performed?
Over six months to 6 Nov 2026 the shares returned +98.3% against +6.4% for the median peer; over one year +137.1%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.