Komori
F

Fukuoka Financial Group,Inc.

8354BanksLarge cap
7,084JPY-11.3%
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Price history
¥7,084Latest+285.4%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

Fukuoka Financial Group (corporate code 8354) is a regional financial group with a broad presence centered on Kyushu, providing a range of financial services with banking as its core business. The Group comprises 27 consolidated subsidiaries and 1 equity-method affiliate. Banking is reported as the sole reportable segment, while businesses other than banking are presented collectively as Other Businesses. Its principal banks are Fukuoka Bank, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank and Minna Bank. Through its group companies, it also provides securities, guarantee, business revitalization and loan servicing, leasing and other services. As part of its long-term strategy, the Group launched its Eighth Medium-Term Management Plan for FY2025 (April 2025 to March 2028), identifying regional industrial development, the digital society and climate change response as material issues.

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Key numbersShowing 8 of 18
PER
47.17How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
1.2How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
2.6%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
¥1.4tnShare price × number of shares. The value of the entire company.
Equity ratio
3.3%The proportion of assets funded by money that does not have to be repaid.
Operating margin
132.6%The percentage of revenue remaining from the company’s core business.
Revenue growth (3 years)
17.3%The average annual growth in sales over the past three years.
What to watch next
Investment of ¥12.8 billion in next-generation core banking systems under the Eighth Medium-Term Management Plan, and disclosure of milestone progress in expanding digital channel functionality
FY2026 onward (ongoing disclosure)Impact HighLikelihood Medium
Progress toward monetizing みんなの銀行 (achieving profitability and establishing its loan business), including details on the deal pipeline, utilization rates, and the breakdown of fee and interest income
FY2026–FY2027Impact HighLikelihood Medium
Stronger GX and start-up investment and expansion of financial support for regional industrial development, reflected in increases in executed transactions and outstanding lending and investment balances
Fiscal years 2026-2028Impact MediumLikelihood Medium
Greater sophistication of cyber and information-leakage controls and AI governance, including AI controls, as reflected in more concrete disclosures demonstrating the effectiveness of those controls
From fiscal 2026 onwardImpact MediumLikelihood Medium
Shareholder returns: raising the target payout ratio from approximately 35% to approximately 40%, and the market's response to the dividend proposal in June 2026, including the sustainability of shareholder returns
June 2026 (implementation and market response)Impact LowLikelihood High
What to watch next
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Who owns itTop holders total 36.2%
Listed holders 36.2%Everyone else 63.8%
The Master Trust Bank of Japan, Ltd. (Trust Account)15.12%
Custody Bank of Japan, Ltd. (Trust Account).7.82%
日本生命保険相互会社2.25%
明治安田生命保険相互会社2.01%
Sumitomo Life Insurance Company2.00%
J.P. Morgan Securities Co., Ltd.1.50%
STATE STREET BANK AND TRUST COMPANY 5051031.48%
JP MORGAN CHASE BANK 3857811.39%
2 other listed holders2.62%
Who owns it
HolderOwnership (%)
The Master Trust Bank of Japan, Ltd. (Trust Account)15.12
Custody Bank of Japan, Ltd. (Trust Account).7.82
日本生命保険相互会社2.25
明治安田生命保険相互会社2.01
Sumitomo Life Insurance Company2.00
J.P. Morgan Securities Co., Ltd.1.50
STATE STREET BANK AND TRUST COMPANY 5051031.48
JP MORGAN CHASE BANK 3857811.39
2 other listed holders2.62
This company's documents
Filings
Timely disclosures