Komori
T

THE BANK OF KOCHI,LTD.

8416BanksMicro cap
1,045JPY-14.1%
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Price history
¥1,045Latest+45.3%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

The Group provides financial services as a regional financial institution, with banking as its core business. Through 4 consolidated subsidiaries and other unconsolidated subsidiaries, it conducts deposit-taking, lending, foreign exchange, securities investment and other banking activities. It also operates related businesses, including leasing (オーシャンリース株式会社), credit cards (株式会社高知カード) and regional trading company services (the unconsolidated subsidiary 株式会社地域商社こうち). The names, locations, business descriptions and voting rights percentages of its affiliated companies are also disclosed.

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Key numbersShowing 8 of 17
PER
17.96How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
0.22How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
1.2%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
¥11bnShare price × number of shares. The value of the entire company.
Equity ratio
3.9%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
69.3%The average annual growth in sales over the past three years.
Forward P/E
18.78Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
Expansion of non-interest income, including the impact of sales process revisions and DX/head-office centralization on results
From the next fiscal year's results through the medium-term plan periodImpact HighLikelihood Medium
Redesign of the customer experience, including a BYOD-based smartphone UI, expansion of paperless accounts and app integration, and broader customer adoption
From fiscal 2026 onward, depending on implementation progressImpact MediumLikelihood Medium
Specific plans for rebuilding the ATM network, including operating and investment policies and links to profitability and convenience KPIs
After the plan takes concrete shape; currently still at the consideration stageImpact MediumLikelihood Low
Progress in investment and lending by the Kogin Green Fund, including acceleration in cumulative execution against the ¥200 billion target and assessment of portfolio quality
From fiscal 2026 onward, through March 2030Impact MediumLikelihood Medium
The impact of the accounting standards, including the adoption of the lease accounting standard from the fiscal year ending March 2028, on reported profits and disclosures
From the fiscal year ending March 2028 onwardImpact LowLikelihood Medium
What to watch next
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Who owns itTop holders total 66.2%
Listed holders 66.2%Everyone else 33.8%
Other33.93%
Giken Holdings Co.,Ltd.14.90%
THE BANK OF KOCHI,LTD. Employee Shareholding Association4.05%
株式会社日本カストディ銀行 (Trust Account)2.49%
信和建設株式会社2.16%
THE YONKYU CO.,LTD.1.91%
四国総合信用株式会社1.89%
GIKEN LTD.1.83%
3 other listed holders3.05%
Who owns it
HolderOwnership (%)
Other33.93
Giken Holdings Co.,Ltd.14.90
THE BANK OF KOCHI,LTD. Employee Shareholding Association4.05
株式会社日本カストディ銀行 (Trust Account)2.49
信和建設株式会社2.16
THE YONKYU CO.,LTD.1.91
四国総合信用株式会社1.89
GIKEN LTD.1.83
3 other listed holders3.05
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