The Hyakugo Bank, Ltd. logo

The Hyakugo Bank, Ltd.

8368.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,207

−¥49.00 · -2.17%

Aug 24, 3:30 PM JST

8368.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Hyakugo Bank, Ltd. operates as a Japanese financial institution, delivering a comprehensive array of banking and financial services throughout Japan. Beyond its core offerings, the company provides diverse solutions such as credit card and guarantee facilities, leasing services, regional industry research and consulting, computer information processing, and financial instrument transactions. It also undertakes cash examination and arrangement, conducts surveys and appraisals for collateralized real estate, and assists with employment placement and labor management. Additionally, the bank offers printing, storage, and administrative services for documents and account books, alongside managing and administering banknotes and bonds. As of March 31, 2020, its operational footprint included 85 branches and 30 sub-branches across Mie prefecture, 21 branches in Aichi prefecture, a single branch in Wakayama prefecture, and two branches situated in Tokyo and Osaka. The bank also maintained three international representative offices in Singapore, Shanghai, and Bangkok, supported by a network of 205 ATMs. Founded in 1878, the institution was initially known as the 105th National Chartered Bank, changing its name to The Hyakugo Bank, Ltd. in 1897. Its headquarters are located in Tsu, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Masakazu Sugiura
Listed since
Jan 1, 2001
Employees
2,828

Market position

Day range

Current ¥2,207

52-week range

Current ¥2,207

Open
¥2,289
Previous close
¥2,256
Volume
838.2K
0.93× average
Average volume
900.19K
Average daily volume
Market cap
532.75B JPY
Beta
1
Market reference 1
50-day average
¥2,054.74
+7.41% above average
200-day average
¥1,624.35
+35.87% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
361.23B JPY
P/E (TTM)
17.2×
P/B (TTM)
1.02×
P/S (TTM)
3.07×
EV / EBITDA
8.83×
Earnings yield
7.33%
Free cash flow yield
10.57%
Dividend yield
1.54%

Profitability & efficiency

Gross margin
84.89%
Operating margin
24.86%
Net margin
17.96%
Return on equity
5.19%
Return on assets
0.35%
Return on invested capital
0.35%

Financial health

Debt / equity
1.38×
Current ratio
3.6×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%69%36%4%Gross margin, FY2022: 93.24%Gross margin, FY2023: 90.01%Gross margin, FY2024: 86.65%Gross margin, FY2025: 84.75%Gross margin, FY2026: 83.19%Operating margin, FY2022: 19.64%Operating margin, FY2023: 20.24%Operating margin, FY2024: 16.89%Operating margin, FY2025: 20.65%Operating margin, FY2026: 22.97%Net margin, FY2022: 13.92%Net margin, FY2023: 14.34%Net margin, FY2024: 12.13%Net margin, FY2025: 14.65%Net margin, FY2026: 16.72%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 93.24%. Gross margin FY2023 90.01%. Gross margin FY2024 86.65%. Gross margin FY2025 84.75%. Gross margin FY2026 83.19%. Operating margin FY2022 19.64%. Operating margin FY2023 20.24%. Operating margin FY2024 16.89%. Operating margin FY2025 20.65%. Operating margin FY2026 22.97%. Net margin FY2022 13.92%. Net margin FY2023 14.34%. Net margin FY2024 12.13%. Net margin FY2025 14.65%. Net margin FY2026 16.72%.

Income trends

Revenue

160.51B JPY+30.29%

Operating income

36.87B JPY+44.90%

Net income

26.84B JPY+48.76%
Income trends across reported periods175.22B JPY116.38B JPY57.53B JPY−1.31B JPYRevenue, FY2022: 96.29B JPYRevenue, FY2023: 101.05B JPYRevenue, FY2024: 117.73B JPYRevenue, FY2025: 123.19B JPYRevenue, FY2026: 160.51B JPYOperating income, FY2022: 18.91B JPYOperating income, FY2023: 20.46B JPYOperating income, FY2024: 19.88B JPYOperating income, FY2025: 25.44B JPYOperating income, FY2026: 36.87B JPYNet income, FY2022: 13.4B JPYNet income, FY2023: 14.49B JPYNet income, FY2024: 14.28B JPYNet income, FY2025: 18.04B JPYNet income, FY2026: 26.84B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 96.29B JPY. Revenue FY2023 101.05B JPY. Revenue FY2024 117.73B JPY. Revenue FY2025 123.19B JPY. Revenue FY2026 160.51B JPY. Operating income FY2022 18.91B JPY. Operating income FY2023 20.46B JPY. Operating income FY2024 19.88B JPY. Operating income FY2025 25.44B JPY. Operating income FY2026 36.87B JPY. Net income FY2022 13.4B JPY. Net income FY2023 14.49B JPY. Net income FY2024 14.28B JPY. Net income FY2025 18.04B JPY. Net income FY2026 26.84B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue160.51B JPY123.19B JPY117.73B JPY101.05B JPY96.29B JPY
Cost of goods sold26.98B JPY18.79B JPY15.72B JPY10.1B JPY6.51B JPY
Gross profit133.53B JPY104.41B JPY102.01B JPY90.96B JPY89.77B JPY
Selling, general, and administrative20.98B JPY20.61B JPY20.45B JPY20.42B JPY
Operating expenses96.66B JPY78.96B JPY82.13B JPY70.5B JPY70.87B JPY
Interest income101.61B JPY81.78B JPY73.61B JPY59.48B JPY54.17B JPY
Interest expense23.75B JPY15.16B JPY9.33B JPY6.38B JPY2.38B JPY
Depreciation and amortization4.04B JPY3.85B JPY3.76B JPY3.94B JPY4.25B JPY
Operating income36.87B JPY25.44B JPY19.88B JPY20.46B JPY18.91B JPY
Net income26.84B JPY18.04B JPY14.28B JPY14.49B JPY13.4B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
33.39

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates46.4134.923.3811.87Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 15.29, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 22.03, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 13.96, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 15.46, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 26.24, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 24.59, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 44.01, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 33.39, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates54.36B45.46B36.56B27.66BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 30.93B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 4, 2025: actual 29.75B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 34.85B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 34.14B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 38.8B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 37.19B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 52.27B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 48.56B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥25.00

2025 complete year+138.1% since 2021

2026 partial: ¥21.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥21.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥21.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥21.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Sep 29, 2025

¥13.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥12.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 24, 2025

Dividend

Ex-dividend Sep 27, 2024

¥9.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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