GoAI
Get started
The Gunma Bank, Ltd. logo

The Gunma Bank, Ltd.

8334.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥2,695

−¥6.00 · -0.22%

Aug 24, 3:30 PM JST

8334.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Gunma Bank, Ltd. is a Japanese financial institution that delivers a diverse array of banking and financial solutions across the nation. Its operations encompass fund management activities, such as investing in various securities and sourcing capital from the call money market. The bank also facilitates customer deposits, issues negotiable certificates of deposit, and extends a variety of loan products. Furthermore, Gunma Bank provides services like securities investment, lease financing, derivative transactions, and proprietary derivative trading. The company was established in 1932 and maintains its headquarters in Maebashi, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Akihiko Fukai
Listed since
Jan 1, 2001
Employees
2,899

Market position

Day range

Current ¥2,695

52-week range

Current ¥2,695

Open
¥2,729
Previous close
¥2,701
Volume
819.3K
0.78× average
Average volume
1.05M
Average daily volume
Market cap
1.02T JPY
Beta
0.49
Market reference 1
50-day average
¥2,501
+7.76% above average
200-day average
¥2,132.69
+26.37% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
780.47B JPY
P/E (TTM)
16.35×
P/B (TTM)
1.61×
P/S (TTM)
3.95×
EV / EBITDA
8.64×
Earnings yield
7.51%
Free cash flow yield
9.08%
Dividend yield
2.30%

Profitability & efficiency

Gross margin
75.53%
Operating margin
34.52%
Net margin
24.18%
Return on equity
9.50%
Return on assets
0.54%
Return on invested capital
0.54%

Financial health

Debt / equity
1.98×
Current ratio
3.99×
Altman Z-score
0.29
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%70%39%8%Gross margin, FY2021: 93.49%Gross margin, FY2022: 90.53%Gross margin, FY2023: 79.36%Gross margin, FY2024: 75.58%Gross margin, FY2025: 75.47%Operating margin, FY2021: 27.64%Operating margin, FY2022: 22.29%Operating margin, FY2023: 21.88%Operating margin, FY2024: 28.42%Operating margin, FY2025: 32.93%Net margin, FY2021: 18.36%Net margin, FY2022: 16.01%Net margin, FY2023: 15.85%Net margin, FY2024: 20.33%Net margin, FY2025: 23.12%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.49%. Gross margin FY2022 90.53%. Gross margin FY2023 79.36%. Gross margin FY2024 75.58%. Gross margin FY2025 75.47%. Operating margin FY2021 27.64%. Operating margin FY2022 22.29%. Operating margin FY2023 21.88%. Operating margin FY2024 28.42%. Operating margin FY2025 32.93%. Net margin FY2021 18.36%. Net margin FY2022 16.01%. Net margin FY2023 15.85%. Net margin FY2024 20.33%. Net margin FY2025 23.12%.

Income trends

Revenue

254.61B JPY+17.88%

Operating income

83.86B JPY+36.60%

Net income

58.86B JPY+34.08%
Income trends across reported periods277.43B JPY186.16B JPY94.89B JPY3.62B JPYRevenue, FY2021: 143.96B JPYRevenue, FY2022: 174.53B JPYRevenue, FY2023: 196.41B JPYRevenue, FY2024: 215.99B JPYRevenue, FY2025: 254.61B JPYOperating income, FY2021: 39.78B JPYOperating income, FY2022: 38.9B JPYOperating income, FY2023: 42.98B JPYOperating income, FY2024: 61.39B JPYOperating income, FY2025: 83.86B JPYNet income, FY2021: 26.44B JPYNet income, FY2022: 27.93B JPYNet income, FY2023: 31.13B JPYNet income, FY2024: 43.9B JPYNet income, FY2025: 58.86B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 143.96B JPY. Revenue FY2022 174.53B JPY. Revenue FY2023 196.41B JPY. Revenue FY2024 215.99B JPY. Revenue FY2025 254.61B JPY. Operating income FY2021 39.78B JPY. Operating income FY2022 38.9B JPY. Operating income FY2023 42.98B JPY. Operating income FY2024 61.39B JPY. Operating income FY2025 83.86B JPY. Net income FY2021 26.44B JPY. Net income FY2022 27.93B JPY. Net income FY2023 31.13B JPY. Net income FY2024 43.9B JPY. Net income FY2025 58.86B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue254.61B JPY215.99B JPY196.41B JPY174.53B JPY143.96B JPY
Cost of goods sold62.46B JPY52.73B JPY40.54B JPY16.53B JPY9.37B JPY
Gross profit192.15B JPY163.26B JPY155.87B JPY158B JPY134.59B JPY
Selling, general, and administrative—23.76B JPY22.04B JPY22.09B JPY22.15B JPY
Operating expenses108.3B JPY101.87B JPY112.89B JPY119.1B JPY94.8B JPY
Interest income165.58B JPY132.41B JPY105.81B JPY87.08B JPY73.87B JPY
Interest expense60.32B JPY50.27B JPY39.78B JPY15.62B JPY1.87B JPY
Depreciation and amortization6.47B JPY6.31B JPY6.19B JPY6.57B JPY6.86B JPY
Operating income83.86B JPY61.39B JPY42.98B JPY38.9B JPY39.78B JPY
Net income58.86B JPY43.9B JPY31.13B JPY27.93B JPY26.44B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
2 beats, 0 misses, 0 met estimates
Average EPS surprise
+13.76%
2 comparable reports
Latest EPS result
46.46
Estimate 40.61 · Beat by 14.41%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates48.3239.4130.5121.6Q1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 23.46, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 8, 2025: actual 31.42, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 29, 2025: actual 36.77, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 36.21, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 44.71, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 37.18, estimate 32.87, surprise +13.11%, Beat. Q3 2026, reported Aug 3, 2026: actual 46.46, estimate 40.61, surprise +14.41%, Beat. Q4 2026, reported Nov 11, 2026: actual —, estimate 45.88, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates76.42B58.03B39.64B21.25BQ1 '25BeatQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 55.56B JPY, estimate 25.2B JPY, surprise +120.46%, Beat. Q2 2025, reported May 8, 2025: actual 54.12B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 29, 2025: actual 66.97B JPY, estimate 25B JPY, surprise +167.87%, Beat. Q4 2025, reported Nov 10, 2025: actual 64.65B JPY, estimate 36.3B JPY, surprise +78.11%, Beat. Q1 2026, reported Feb 3, 2026: actual 67.68B JPY, estimate 26.6B JPY, surprise +154.42%, Beat. Q2 2026, reported May 11, 2026: actual 65.67B JPY, estimate 61.55B JPY, surprise +6.69%, Beat. Q3 2026, reported Aug 3, 2026: actual 70.23B JPY, estimate 34.1B JPY, surprise +105.96%, Beat. Q4 2026, reported Nov 11, 2026: actual —, estimate 72.61B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥55.00

2025 complete year+292.9% since 2021

2026 partial: ¥32.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥35.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥35.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥32.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 24, 2026

Dividend

Ex-dividend Sep 29, 2025

¥30.00

Semi-Annual

Record Sep 30, 2025 · Payment Nov 28, 2025

Dividend

Ex-dividend Mar 28, 2025

¥25.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 23, 2025

Dividend

Ex-dividend Sep 27, 2024

¥20.00

Semi-Annual

Record Sep 30, 2024 · Payment Nov 29, 2024

8334.T peers

Mitsubishi UFJ Financial Group, Inc. logo

8306.T

Mitsubishi UFJ Financial Group, Inc.

¥3,481

-0.77%

Sumitomo Mitsui Financial Group, Inc. logo

8316.T

Sumitomo Mitsui Financial Group, Inc.

¥6,593

-0.20%

Mizuho Financial Group, Inc. logo

8411.T

Mizuho Financial Group, Inc.

¥8,108

-0.02%

Tokio Marine Holdings, Inc. logo

8766.T

Tokio Marine Holdings, Inc.

¥7,261

-1.17%

JAPAN POST BANK Co., Ltd. logo

7182.T

JAPAN POST BANK Co., Ltd.

¥3,151

0.00%

MS&AD Insurance Group Holdings, Inc. logo

8725.T

MS&AD Insurance Group Holdings, Inc.

¥4,927

-0.36%

Continue in GoAI

Research 8334.T

research.disclaimer