Komori
P

Procrea Holdings,Inc.

7384BanksMid cap
4,510JPY-18.0%
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Price history
¥4,510Latest+151.5%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

As outlined in Part I, the Group, comprising the Company and its affiliated companies, was established on 1 April 2022 through a joint share transfer by The Aomori Bank, Ltd. and The Michinoku Bank, Ltd. The Group has provided financial services centered on banking. Its management philosophy is to “create the future of the region,” “continue walking alongside our customers,” and “realize the aspirations of each individual.” By integrating the expertise, information and networks of the two banks, the Group is working to strengthen its financial intermediation functions and expand its business domains by leveraging its regional strengths. In addition to establishing a sound management foundation to ensure and improve the stability of regional financial services, promote the development of regional industries and improve residents’ quality of life, the Group positions advances in digital technology as a growth driver.

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Key numbersShowing 8 of 17
PER
43.26How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
0.76How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
1.8%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥129bnShare price × number of shares. The value of the entire company.
Equity ratio
2.8%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
14.8%The average annual growth in sales over the past three years.
Forward P/E
18.46Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
Integration of the leasing businesses, Aomori Bank Leasing and Michinoku Leasing, with the merger scheduled for 1 July 2026
2026-07-01Impact MediumLikelihood Medium
Completion and adoption of the full redesign of the Aomori Michinoku app, including new features such as transfers, purpose-specific savings and family monitoring
2026-05 (based on the stated schedule) through the adoption periodImpact MediumLikelihood Medium
Specific implementation of the FY2026 shareholder-return policy, including a payout ratio of approximately 40% and annual dividends of ¥100, and confirmation of progress in the next earnings announcement
Full fiscal year 2026, linked to the company's announcementImpact MediumLikelihood Low
Timing of the impact of integration costs and productivity improvements, including completed branch consolidations, on earnings, as reflected in the expense ratio and core earnings
Next quarter through the full-year resultsImpact MediumLikelihood Medium
What to watch next
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Who owns itTop holders total 28.7%
Listed holders 28.7%Everyone else 71.3%
The Master Trust Bank of Japan, Ltd. (Trust Account)13.11%
株式会社日本カストディ銀行 (Trust Account)3.75%
青森みちのく銀行 Employee Shareholding Association2.13%
Takahashi Kei (高橋 慧)1.81%
明治安田生命保険相互会社1.68%
日本生命保険相互会社1.67%
JP MORGAN CHASE BANK 385781 (standing proxy: Mizuho Bank)1.32%
Sumitomo Life Insurance Company1.18%
2 other listed holders2.10%
Who owns it
HolderOwnership (%)
The Master Trust Bank of Japan, Ltd. (Trust Account)13.11
株式会社日本カストディ銀行 (Trust Account)3.75
青森みちのく銀行 Employee Shareholding Association2.13
Takahashi Kei (高橋 慧)1.81
明治安田生命保険相互会社1.68
日本生命保険相互会社1.67
JP MORGAN CHASE BANK 385781 (standing proxy: Mizuho Bank)1.32
Sumitomo Life Insurance Company1.18
2 other listed holders2.10
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