The Awa Bank, Ltd. logo

The Awa Bank, Ltd.

8388.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥8,930

−¥70.00 · -0.78%

Aug 24, 3:30 PM JST

8388.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Awa Bank, Ltd. is a long-standing Japanese financial institution, delivering a comprehensive array of banking products and services to both individual and corporate clients across Japan. Its financial offerings encompass various deposit accounts, including current, savings, fixed-term, and foreign currency options, alongside certificates of deposit and investment trusts. The bank also extends a wide range of credit facilities, such as loans for housing, renovations, automobiles, credit cards, education, solar energy projects, industrial ventures, and general business support. Furthermore, it provides diverse insurance solutions, covering life, property, academic, and commercial needs, in addition to offering secure storage through safe deposit boxes. Complementing its core banking functions, The Awa Bank supplies online banking, pension services, convenience solutions, and management and business advisory support. Founded in 1896, the institution, which was initially known as Tokushima Commercial Bank, Ltd. before adopting its current name in 1964, operated through a network of 101 branches as of March 31, 2021. Its headquarters are located in Tokushima, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Takehisa Fukunaga
Listed since
Jan 1, 2001
Employees
1,410

Market position

Day range

Current ¥8,930

52-week range

Current ¥8,930

Open
¥9,100
Previous close
¥9,000
Volume
136.8K
1.24× average
Average volume
110.53K
Average daily volume
Market cap
347.17B JPY
Beta
0.56
Market reference 1
50-day average
¥7,956.8
+12.23% above average
200-day average
¥6,059.73
+47.37% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
19.82×
P/B (TTM)
0.84×
P/S (TTM)
3.11×
Dividend yield
1.60%

Profitability & efficiency

Gross margin
89.28%
Operating margin
22.18%
Net margin
15.74%

Financial health

Debt / equity
0.46×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%69%36%4%Gross margin, FY2021: 93.36%Gross margin, FY2022: 90.36%Gross margin, FY2023: 85.90%Gross margin, FY2024: 89.32%Gross margin, FY2025: 86.96%Operating margin, FY2021: 24.13%Operating margin, FY2022: 17.07%Operating margin, FY2023: 21.94%Operating margin, FY2024: 23.23%Operating margin, FY2025: 23.20%Net margin, FY2021: 16.81%Net margin, FY2022: 11.90%Net margin, FY2023: 15.47%Net margin, FY2024: 17.44%Net margin, FY2025: 16.53%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.36%. Gross margin FY2022 90.36%. Gross margin FY2023 85.90%. Gross margin FY2024 89.32%. Gross margin FY2025 86.96%. Operating margin FY2021 24.13%. Operating margin FY2022 17.07%. Operating margin FY2023 21.94%. Operating margin FY2024 23.23%. Operating margin FY2025 23.20%. Net margin FY2021 16.81%. Net margin FY2022 11.90%. Net margin FY2023 15.47%. Net margin FY2024 17.44%. Net margin FY2025 16.53%.

Income trends

Revenue

93.94B JPY+24.08%

Operating income

21.8B JPY+23.91%

Net income

15.53B JPY+17.61%
Income trends across reported periods102.31B JPY68.82B JPY35.33B JPY1.83B JPYRevenue, FY2021: 66.11B JPYRevenue, FY2022: 85.75B JPYRevenue, FY2023: 72.81B JPYRevenue, FY2024: 75.71B JPYRevenue, FY2025: 93.94B JPYOperating income, FY2021: 15.95B JPYOperating income, FY2022: 14.64B JPYOperating income, FY2023: 15.97B JPYOperating income, FY2024: 17.59B JPYOperating income, FY2025: 21.8B JPYNet income, FY2021: 11.11B JPYNet income, FY2022: 10.21B JPYNet income, FY2023: 11.26B JPYNet income, FY2024: 13.2B JPYNet income, FY2025: 15.53B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 66.11B JPY. Revenue FY2022 85.75B JPY. Revenue FY2023 72.81B JPY. Revenue FY2024 75.71B JPY. Revenue FY2025 93.94B JPY. Operating income FY2021 15.95B JPY. Operating income FY2022 14.64B JPY. Operating income FY2023 15.97B JPY. Operating income FY2024 17.59B JPY. Operating income FY2025 21.8B JPY. Net income FY2021 11.11B JPY. Net income FY2022 10.21B JPY. Net income FY2023 11.26B JPY. Net income FY2024 13.2B JPY. Net income FY2025 15.53B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue93.94B JPY75.71B JPY72.81B JPY85.75B JPY66.11B JPY
Cost of goods sold12.25B JPY8.09B JPY10.26B JPY8.26B JPY4.39B JPY
Gross profit81.69B JPY67.62B JPY62.55B JPY77.49B JPY61.72B JPY
Selling, general, and administrative10.57B JPY9.77B JPY9.42B JPY8.9B JPY
Operating expenses59.9B JPY50.03B JPY46.58B JPY62.85B JPY45.77B JPY
Interest income56.47B JPY46.13B JPY44.69B JPY44.08B JPY38.8B JPY
Interest expense10.9B JPY7.22B JPY8.55B JPY7.6B JPY1.63B JPY
Depreciation and amortization2.91B JPY2.96B JPY3.29B JPY3.06B JPY3.12B JPY
Operating income21.8B JPY17.59B JPY15.97B JPY14.64B JPY15.95B JPY
Net income15.53B JPY13.2B JPY11.26B JPY10.21B JPY11.11B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
149.43

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates155.84124.8593.8562.86Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 73.92, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 69.27, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 80.99, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 95.83, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 114.54, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 100.54, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 85.93, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 149.43, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates37.98B31.2B24.43B17.65BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 19.39B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 19.11B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 20.69B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 21.85B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 25.56B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 22.88B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 25.07B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 36.52B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥110

2025 complete year+175.0% since 2021

2026 partial: ¥82.50

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 30, 2026

¥10.00

Annual

Record Sep 30, 2026 · Payment Sep 30, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥90.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥82.50

Special

Record Sep 30, 2026 · Payment Jun 10, 2026

Dividend

Ex-dividend Sep 29, 2025

¥60.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Mar 28, 2025

¥50.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 10, 2025

Dividend

Ex-dividend Sep 27, 2024

¥45.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 5, 2024

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