GoAI
Get started
The 77 Bank, Ltd. logo

The 77 Bank, Ltd.

8341.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥3,769

+¥33.00 · +0.88%

Aug 24, 1:16 PM JST

8341.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The 77 Bank, Ltd., operating with its subsidiaries, delivers a comprehensive array of banking and financial offerings to a diverse clientele across Japan, including domestic businesses, local government entities, and both corporate and individual customers. The institution provides various deposit solutions, such as demand, time, and foreign currency accounts, alongside negotiable certificates of deposit, as well as a wide selection of loan products. Beyond these core services, the bank specializes in asset and liability management, offers investment vehicles like debt and equity securities and investment trusts, and facilitates derivatives trading. Additional services encompass credit risk oversight, credit card issuance, guarantee and credit assessment, research and consulting, computer-based contract work, fund management, and leasing. Founded in Sendai, Japan, in 1878, the bank maintained a network of 143 branches as of March 31, 2020.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hidefumi Kobayashi
Listed since
Jan 1, 2001
Employees
2,456

Market position

Day range

Current ¥3,769

52-week range

Current ¥3,769

Open
¥3,792
Previous close
¥3,736
Volume
275.2K
0.42× average
Average volume
650.96K
Average daily volume
Market cap
840.86B JPY
Beta
0.54
Market reference 1
50-day average
¥3,511.26
+7.34% above average
200-day average
¥3,059.36
+23.20% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
514.44B JPY
P/E (TTM)
18.48×
P/B (TTM)
1.11×
P/S (TTM)
3.76×
EV / EBITDA
6.32×
Earnings yield
7.93%
Free cash flow yield
7.77%
Dividend yield
2.30%

Profitability & efficiency

Gross margin
89.91%
Operating margin
41.41%
Net margin
28.60%
Return on equity
7.81%
Return on assets
0.52%
Return on invested capital
0.52%

Financial health

Debt / equity
0.65×
Current ratio
65.77×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%75%43%12%Gross margin, FY2021: 95.85%Gross margin, FY2022: 98.28%Gross margin, FY2023: 96.29%Gross margin, FY2024: 96.01%Gross margin, FY2025: 88.56%Operating margin, FY2021: 28.32%Operating margin, FY2022: 29.75%Operating margin, FY2023: 30.00%Operating margin, FY2024: 33.49%Operating margin, FY2025: 37.83%Net margin, FY2021: 19.40%Net margin, FY2022: 21.05%Net margin, FY2023: 20.23%Net margin, FY2024: 23.38%Net margin, FY2025: 26.05%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.85%. Gross margin FY2022 98.28%. Gross margin FY2023 96.29%. Gross margin FY2024 96.01%. Gross margin FY2025 88.56%. Operating margin FY2021 28.32%. Operating margin FY2022 29.75%. Operating margin FY2023 30.00%. Operating margin FY2024 33.49%. Operating margin FY2025 37.83%. Net margin FY2021 19.40%. Net margin FY2022 21.05%. Net margin FY2023 20.23%. Net margin FY2024 23.38%. Net margin FY2025 26.05%.

Income trends

Revenue

207.3B JPY+23.39%

Operating income

78.41B JPY+39.36%

Net income

54.01B JPY+37.53%
Income trends across reported periods225.81B JPY151.78B JPY77.75B JPY3.73B JPYRevenue, FY2021: 114.59B JPYRevenue, FY2022: 119.03B JPYRevenue, FY2023: 147.35B JPYRevenue, FY2024: 168B JPYRevenue, FY2025: 207.3B JPYOperating income, FY2021: 32.45B JPYOperating income, FY2022: 35.41B JPYOperating income, FY2023: 44.21B JPYOperating income, FY2024: 56.27B JPYOperating income, FY2025: 78.41B JPYNet income, FY2021: 22.23B JPYNet income, FY2022: 25.06B JPYNet income, FY2023: 29.8B JPYNet income, FY2024: 39.27B JPYNet income, FY2025: 54.01B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 114.59B JPY. Revenue FY2022 119.03B JPY. Revenue FY2023 147.35B JPY. Revenue FY2024 168B JPY. Revenue FY2025 207.3B JPY. Operating income FY2021 32.45B JPY. Operating income FY2022 35.41B JPY. Operating income FY2023 44.21B JPY. Operating income FY2024 56.27B JPY. Operating income FY2025 78.41B JPY. Net income FY2021 22.23B JPY. Net income FY2022 25.06B JPY. Net income FY2023 29.8B JPY. Net income FY2024 39.27B JPY. Net income FY2025 54.01B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue207.3B JPY168B JPY147.35B JPY119.03B JPY114.59B JPY
Cost of goods sold23.72B JPY6.71B JPY5.47B JPY2.05B JPY4.75B JPY
Gross profit183.58B JPY161.29B JPY141.88B JPY116.98B JPY109.84B JPY
Selling, general, and administrative—23.05B JPY23.35B JPY22.89B JPY23.4B JPY
Operating expenses105.17B JPY105.03B JPY97.67B JPY81.57B JPY77.39B JPY
Interest income133.93B JPY110.6B JPY94.96B JPY79.11B JPY72.21B JPY
Interest expense20.15B JPY7.56B JPY2.23B JPY1.24B JPY603M JPY
Depreciation and amortization2.95B JPY2.85B JPY3.15B JPY3.01B JPY3.4B JPY
Operating income78.41B JPY56.27B JPY44.21B JPY35.41B JPY32.45B JPY
Net income54.01B JPY39.27B JPY29.8B JPY25.06B JPY22.23B JPY

Company facts updated Aug 24, 2026.

8341.T peers

Mitsubishi UFJ Financial Group, Inc. logo

8306.T

Mitsubishi UFJ Financial Group, Inc.

¥3,505

-0.09%

Sumitomo Mitsui Financial Group, Inc. logo

8316.T

Sumitomo Mitsui Financial Group, Inc.

¥6,597

-0.14%

Mizuho Financial Group, Inc. logo

8411.T

Mizuho Financial Group, Inc.

¥8,134

+0.30%

Tokio Marine Holdings, Inc. logo

8766.T

Tokio Marine Holdings, Inc.

¥7,303

-0.60%

JAPAN POST BANK Co., Ltd. logo

7182.T

JAPAN POST BANK Co., Ltd.

¥3,165

+0.44%

MS&AD Insurance Group Holdings, Inc. logo

8725.T

MS&AD Insurance Group Holdings, Inc.

¥4,927

-0.36%

ETFs holding 8341.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
1.8B
Weight
0.06%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.6+0.14%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
65.06M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
44.29M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
37.87M
Weight
0.02%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
33.7M
Weight
0.17%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
15.16M
Weight
0.11%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
13.25M
Weight
0.07%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Schwab International Equity ETF logoSchwab International Equity ETFSCHF
Market value
11.83M
Weight
0.02%
AUM
69.7B USD
Expense ratio
0.03%
Price / 1D
$28.46+0.85%

Continue in GoAI

Research 8341.T

research.disclaimer