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The Bank of Iwate, Ltd. logo

The Bank of Iwate, Ltd.

8345.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥2,314

−¥11.00 · -0.47%

Aug 24, 11:30 AM JST

8345.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating within Japan, The Bank of Iwate, Ltd. delivers a broad spectrum of financial offerings. Its operations are primarily categorized into two divisions: Commercial Banking and Leasing. The Commercial Banking segment encompasses typical banking activities such as accepting deposits, extending credit, investing in various securities, and managing foreign exchange transactions. Conversely, the Leasing division specializes in providing financial leasing and contractual computer processing services. Beyond these core functions, the institution also engages in securities trading, offers credit card and guarantee services, and delivers computerized accounting solutions. Originally established as Iwate Shokusan Bank, the company rebranded to The Bank of Iwate, Ltd. in 1960. Founded in 1932, its headquarters are situated in Morioka, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Toru Iwayama
Listed since
Jan 1, 2001
Employees
1,365

Market position

Day range

Current ¥2,314

52-week range

Current ¥2,314

Open
¥2,375
Previous close
¥2,325
Volume
121.1K
0.42× average
Average volume
287.64K
Average daily volume
Market cap
159.74B JPY
Beta
0.76
Market reference 1
50-day average
¥2,173.1
+6.48% above average
200-day average
¥1,749.03
+32.30% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-69.89B JPY
P/E (TTM)
15.63×
P/B (TTM)
0.8×
P/S (TTM)
2.04×
EV / EBITDA
-4.82×
Earnings yield
8.12%
Free cash flow yield
45.92%
Dividend yield
2.25%

Profitability & efficiency

Gross margin
89.55%
Operating margin
17.36%
Net margin
13.03%
Return on equity
4.58%
Return on assets
0.23%
Return on invested capital
0.23%

Financial health

Debt / equity
1.05×
Current ratio
3.49×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%72%37%1%Gross margin, FY2021: 98.10%Gross margin, FY2022: 98.52%Gross margin, FY2023: 98.50%Gross margin, FY2024: 93.73%Gross margin, FY2025: 87.70%Operating margin, FY2021: 17.16%Operating margin, FY2022: 14.92%Operating margin, FY2023: 16.74%Operating margin, FY2024: 21.46%Operating margin, FY2025: 16.66%Net margin, FY2021: 10.10%Net margin, FY2022: 12.21%Net margin, FY2023: 10.49%Net margin, FY2024: 15.36%Net margin, FY2025: 11.62%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.10%. Gross margin FY2022 98.52%. Gross margin FY2023 98.50%. Gross margin FY2024 93.73%. Gross margin FY2025 87.70%. Operating margin FY2021 17.16%. Operating margin FY2022 14.92%. Operating margin FY2023 16.74%. Operating margin FY2024 21.46%. Operating margin FY2025 16.66%. Net margin FY2021 10.10%. Net margin FY2022 12.21%. Net margin FY2023 10.49%. Net margin FY2024 15.36%. Net margin FY2025 11.62%.

Income trends

Revenue

76.77B JPY+69.05%

Operating income

12.79B JPY+31.23%

Net income

8.92B JPY+27.85%
Income trends across reported periods84.04B JPY54.98B JPY25.92B JPY−3.14B JPYRevenue, FY2021: 40.86B JPYRevenue, FY2022: 44.08B JPYRevenue, FY2023: 40.3B JPYRevenue, FY2024: 45.41B JPYRevenue, FY2025: 76.77B JPYOperating income, FY2021: 7.01B JPYOperating income, FY2022: 6.58B JPYOperating income, FY2023: 6.75B JPYOperating income, FY2024: 9.75B JPYOperating income, FY2025: 12.79B JPYNet income, FY2021: 4.13B JPYNet income, FY2022: 5.38B JPYNet income, FY2023: 4.23B JPYNet income, FY2024: 6.98B JPYNet income, FY2025: 8.92B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 40.86B JPY. Revenue FY2022 44.08B JPY. Revenue FY2023 40.3B JPY. Revenue FY2024 45.41B JPY. Revenue FY2025 76.77B JPY. Operating income FY2021 7.01B JPY. Operating income FY2022 6.58B JPY. Operating income FY2023 6.75B JPY. Operating income FY2024 9.75B JPY. Operating income FY2025 12.79B JPY. Net income FY2021 4.13B JPY. Net income FY2022 5.38B JPY. Net income FY2023 4.23B JPY. Net income FY2024 6.98B JPY. Net income FY2025 8.92B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue76.77B JPY45.41B JPY40.3B JPY44.08B JPY40.86B JPY
Cost of goods sold9.44B JPY2.85B JPY603M JPY654M JPY777M JPY
Gross profit67.33B JPY42.56B JPY39.69B JPY43.43B JPY40.08B JPY
Selling, general, and administrative—24.77B JPY24.55B JPY24.09B JPY24.85B JPY
Operating expenses54.54B JPY32.82B JPY32.95B JPY36.85B JPY33.07B JPY
Interest income45.33B JPY34.08B JPY28.25B JPY26.6B JPY27.27B JPY
Interest expense8.04B JPY2.85B JPY603M JPY654M JPY777M JPY
Depreciation and amortization1.7B JPY1.83B JPY1.87B JPY2.04B JPY2B JPY
Operating income12.79B JPY9.75B JPY6.75B JPY6.58B JPY7.01B JPY
Net income8.92B JPY6.98B JPY4.23B JPY5.38B JPY4.13B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
50.61

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates83.463.0942.7922.48Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 79.18, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 28, 2025: actual 29.65, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 26.45, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 31.97, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 31.33, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 31.94, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 34.16, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 50.61, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates28.09B22.31B16.53B10.74BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 11.94B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 28, 2025: actual 12.51B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 12.94B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 14.18B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 17.8B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 18.61B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 26.9B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 18.47B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥40.25

2025 complete year+168.3% since 2021

2026 partial: ¥28.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥29.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥29.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥112

Semi-Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Sep 29, 2025

¥96.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥65.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 25, 2025

Dividend

Ex-dividend Sep 27, 2024

¥60.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 8345.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
293.88M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.5+0.12%
State Street SPDR Portfolio Developed World ex-US ETF logoState Street SPDR Portfolio Developed World ex-US ETFSPDW
Market value
12.14M
Weight
0.03%
AUM
41.92B USD
Expense ratio
0.03%
Price / 1D
$52.02+0.79%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
10.75M
Weight
0.00%
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
7.25M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
2.89M
Weight
0.02%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
2.64M
Weight
0.02%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
1.71M
Weight
0.03%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
1.37M
Weight
0.02%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%

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