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Financial holding company for Tokushima Taisho Bank and Kagawa Bank, regional lenders in Tokushima, Kagawa and Osaka.
Financial holding company for Tokushima Taisho Bank and Kagawa Bank, regional lenders in Tokushima, Kagawa and Osaka.
Earns mainly from the gap between what its banks charge on loans and pay on deposits, with leasing, card and fee income as smaller parts. Tokushima Taisho Bank and Kagawa Bank draw most business from Shikoku island, while the former Taisho Bank added an Osaka base. A shrinking local population is the main long-run pressure.
Moat: narrow (regulatory licence, distribution). Local branch networks of two prefectural banks in Tokushima and Kagawa; larger local rivals compete hard.
Headquarters: Takamatsu, Japan · Founded: 2010 · Employees: 2,184
Size TOMONY (8600.T) is a Japan Financials company (Regional Banks) with a market value of $1.13B, the 687th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥940 on 6 Nov 2026.
Performance Over six months the shares gained 6.3%, against +9.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 8th lowest of 20 in its peer set.
Growth Revenue grew 12.2% over the last twelve months (peer median +11.3%); the operating margin is 36.5% (peer median 34.3%).
Valuation It trades at 0.60× book value against a peer median of 1.18× (2nd cheapest of 21).
Price implies The share price implies a return on equity of about 4.5%; TOMONY delivers 5.9%, 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 | ¥103B | ¥99.4B | ¥90.7B | ¥82.1B | ¥74.2B |
| Revenue growth | — | +10% | +11% | +11% | — |
| Net income | ¥17.5B | ¥16.2B | ¥15.8B | ¥14.0B | ¥14.2B |
| Free cash flow | n/a | ¥38.7B | ¥42.4B | -¥36.6B | ¥14.2B |
| Capital expenditure | n/a | ¥3.78B | ¥2.21B | ¥1.81B | ¥1.94B |
| Total debt | ¥141B | ¥141B | ¥165B | ¥165B | ¥112B |
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 |
|---|---|---|---|---|---|---|
| TOMONY 8600.T | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% |
| Hyakujushi Bank 8386.T | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% |
| Awa Bank 8388.T | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% |
| Iyogin Holdings,Inc 5830.T | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% |
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 | 8600.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -23.1% | +3.1% | 5th lowest of 21 |
| 6-month return | +6.3% | +9.8% | 8th lowest of 20 |
| Return on equity | 5.9% | 11.7% | 5th lowest of 21 |
| Price / book | 0.60× | 1.18× | 2nd cheapest of 21 |
| Trailing P/E | 10.5× | 11.9× | 8th cheapest of 21 |
| ROE the price implies | 4.5% | 9.0% | 2nd least demanding of 21 |
| ROE delivered | 5.9% | 12.0% | 5th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| 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% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| 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% |
| 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% |
| 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% |
| 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% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| 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% |
| MetroCity Bankshares MCBS | United States | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% | 16.9% |
| Eagle Bancorp EGBN | United States | $1.03B | +28% | -11% | 5% | 0.89× | 9.0% | 4.7% |