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The Fukui Bank, Ltd. logo

The Fukui Bank, Ltd.

8362.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥6,550

−¥310 · -4.52%

Aug 24, 3:30 PM JST

8362.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Fukui Bank, Ltd., encompassing its various subsidiaries, offers a comprehensive range of financial and banking solutions. Its business operations are strategically divided into two main areas: Banking and Leasing. The Banking segment delivers core services such as deposit-taking, lending facilities, credit card issuance, both domestic and international currency exchange, and credit guarantee provisions. Meanwhile, the Leasing segment specializes in the rental of capital goods, including industrial machinery, computer systems, and office equipment. Founded in 1899, the institution's primary corporate office is located in Fukui, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Masahiro Hayashi
Listed since
Jan 1, 2001
Employees
1,732

Market position

Day range

Current ¥6,550

52-week range

Current ¥6,550

Open
¥6,960
Previous close
¥6,860
Volume
81.2K
0.97× average
Average volume
84.04K
Average daily volume
Market cap
154.95B JPY
Beta
1.05
Market reference 1
50-day average
¥5,866.4
+11.65% above average
200-day average
¥3,928.48
+66.73% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-41.9B JPY
P/E (TTM)
13.61×
P/B (TTM)
0.96×
P/S (TTM)
1.86×
EV / EBITDA
-2.78×
Earnings yield
11.38%
Free cash flow yield
37.55%
Dividend yield
1.65%

Profitability & efficiency

Gross margin
85.62%
Operating margin
16.15%
Net margin
13.64%
Return on equity
5.63%
Return on assets
0.20%
Return on invested capital
0.20%

Financial health

Debt / equity
4.25×
Current ratio
2.57×
Altman Z-score
0.23
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 trends110%70%31%-9%Gross margin, FY2021: 99.81%Gross margin, FY2022: 97.81%Gross margin, FY2023: 98.47%Gross margin, FY2024: 95.04%Gross margin, FY2025: 85.00%Operating margin, FY2021: 7.25%Operating margin, FY2022: 1.15%Operating margin, FY2023: 10.59%Operating margin, FY2024: 14.93%Operating margin, FY2025: 17.05%Net margin, FY2021: 10.39%Net margin, FY2022: 3.52%Net margin, FY2023: 7.19%Net margin, FY2024: 12.14%Net margin, FY2025: 11.25%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.81%. Gross margin FY2022 97.81%. Gross margin FY2023 98.47%. Gross margin FY2024 95.04%. Gross margin FY2025 85.00%. Operating margin FY2021 7.25%. Operating margin FY2022 1.15%. Operating margin FY2023 10.59%. Operating margin FY2024 14.93%. Operating margin FY2025 17.05%. Net margin FY2021 10.39%. Net margin FY2022 3.52%. Net margin FY2023 7.19%. Net margin FY2024 12.14%. Net margin FY2025 11.25%.

Income trends

Revenue

76.46B JPY+29.48%

Operating income

13.04B JPY+47.92%

Net income

8.6B JPY+20.03%
Income trends across reported periods84.04B JPY53.7B JPY23.35B JPY−7B JPYRevenue, FY2021: 42.73B JPYRevenue, FY2022: 51.27B JPYRevenue, FY2023: 51.73B JPYRevenue, FY2024: 59.05B JPYRevenue, FY2025: 76.46B JPYOperating income, FY2021: 3.1B JPYOperating income, FY2022: 591M JPYOperating income, FY2023: 5.48B JPYOperating income, FY2024: 8.81B JPYOperating income, FY2025: 13.04B JPYNet income, FY2021: 4.44B JPYNet income, FY2022: 1.8B JPYNet income, FY2023: 3.72B JPYNet income, FY2024: 7.17B JPYNet income, FY2025: 8.6B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 42.73B JPY. Revenue FY2022 51.27B JPY. Revenue FY2023 51.73B JPY. Revenue FY2024 59.05B JPY. Revenue FY2025 76.46B JPY. Operating income FY2021 3.1B JPY. Operating income FY2022 591M JPY. Operating income FY2023 5.48B JPY. Operating income FY2024 8.81B JPY. Operating income FY2025 13.04B JPY. Net income FY2021 4.44B JPY. Net income FY2022 1.8B JPY. Net income FY2023 3.72B JPY. Net income FY2024 7.17B JPY. Net income FY2025 8.6B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue76.46B JPY59.05B JPY51.73B JPY51.27B JPY42.73B JPY
Cost of goods sold11.47B JPY2.93B JPY793M JPY1.12B JPY82M JPY
Gross profit64.99B JPY56.12B JPY50.94B JPY50.15B JPY42.65B JPY
Selling, general, and administrative12.85B JPY30.77B JPY29.94B JPY27.66B JPY25.79B JPY
Operating expenses51.96B JPY47.31B JPY45.46B JPY49.56B JPY39.55B JPY
Interest income45.32B JPY38.32B JPY30.42B JPY30.25B JPY27.03B JPY
Interest expense8.48B JPY2.93B JPY793M JPY1.12B JPY82M JPY
Depreciation and amortization2.02B JPY1.62B JPY1.56B JPY1.46B JPY1.54B JPY
Operating income13.04B JPY8.81B JPY5.48B JPY591M JPY3.1B JPY
Net income8.6B JPY7.17B JPY3.72B JPY1.8B JPY4.44B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
244.5

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates266.35160.7555.14-50.46Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 54.65, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 2.52, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 68.52, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 126.79, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual -28.61, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 125.72, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 139.74, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 244.5, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates26.85B22.95B19.05B15.15BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 16.18B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 16.56B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 16.24B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 19.53B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 17.09B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 20.01B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 22.46B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 3, 2026: actual 25.81B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥62.00

2025 complete year+24.0% since 2021

2026 partial: ¥79.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥75.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥75.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥79.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 5, 2026

Dividend

Ex-dividend Sep 29, 2025

¥29.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 9, 2025

Dividend

Ex-dividend Mar 28, 2025

¥33.00

Semi-Annual

Record Mar 31, 2025 · Payment May 30, 2025

Dividend

Ex-dividend Sep 27, 2024

¥25.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 3, 2024

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ETFs holding 8362.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
329.97M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
10.32M
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
7.14M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
4.85M
Weight
0.02%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
2.79M
Weight
0.02%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
2.03M
Weight
0.01%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
1.98M
Weight
0.03%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
1.29M
Weight
0.02%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%

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