Price history
¥187,600Latest-22.5%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview
Recurring subjects
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Key numbersShowing 8 of 17
PER
121.02How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.PBR
0.96How many times the company's net assets? Around 1x is generally considered a benchmark.ROE
0.8%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
¥1.6tnShare price × number of shares. The value of the entire company.Equity ratio
3.5%The proportion of assets funded by money that does not have to be repaid.Revenue growth (3 years)
26.1%The average annual growth in sales over the past three years.Forward P/E
37.17Forward P/E based on estimated earnings for the next fiscal year.What to watch next
Progress toward the FY2026 targets under SCB Strategy 2025: ¥44.0 billion in net income attributable to owners of the parent, a capital adequacy ratio in the 20% range and ¥61.0 billion in ordinary profit
Full-year FY2027 through the next annual disclosure cycleImpact HighLikelihood Medium
The impact on capital and risk-weighted assets after the domestic implementation of the finalization of Basel III, beginning at the end of March 2025, including the capital adequacy ratio framework and its impact on earnings
FY2026 results through the timing of regulatory disclosuresImpact HighLikelihood Medium
Progress on major systems and facilities investments, such as the Nagoya Branch renovation scheduled for completion in January 2027 and the Chugoku Branch renovation scheduled for completion in September 2026, and the impact on costs and operations
From September 2026 through January 2027Impact MediumLikelihood Medium
Progress in executing sustainable finance, including cumulative execution toward the ¥5 trillion target and changes in the outstanding balance under the target for reducing financing and investment in coal-fired power generation
When cumulative results are disclosed quarterly and annuallyImpact MediumLikelihood Low
Changes in the quality of the investment pipeline resulting from the establishment and execution of the ¥2.0 billion disaster-prevention fund
Disclosures on investment execution and deal formation progress during 2026Impact LowLikelihood Low
What to watch next
Who owns itTop holders total 43.4%
Listed holders 43.4%Everyone else 56.6%
Mizuho Bank4.60%
Johoku Shinkin Bank3.05%
瀬戸信用金庫2.75%
Kyoto Chuo Shinkin Bank2.52%
Meiji Yasuda Life Insurance Company2.51%
沼津信用金庫2.40%
Hamamatsu Iwata Shinkin Bank2.21%
Johoku Shinkin Bank1.93%
12 other listed holders21.41%
| Holder | Ownership (%) |
|---|---|
| Mizuho Bank | 4.60 |
| Johoku Shinkin Bank | 3.05 |
| 瀬戸信用金庫 | 2.75 |
| Kyoto Chuo Shinkin Bank | 2.52 |
| Meiji Yasuda Life Insurance Company | 2.51 |
| 沼津信用金庫 | 2.40 |
| Hamamatsu Iwata Shinkin Bank | 2.21 |
| Johoku Shinkin Bank | 1.93 |
| 12 other listed holders | 21.41 |
This company's documents
Filings
Timely disclosures
- 2026-10-28Notice Regarding Unrealized Losses on Securities as of the End of the Second Quarter (Interim Period) of the Fiscal Year Ending March 2027
- 2026-10-28Overview of Interim Financial Results for the Fiscal Year Ending March 2027
- 2026-10-28Consolidated Financial Results for the Second Quarter (Interim Period) of the Fiscal Year Ending March 2027 (Japanese GAAP)
- 2026-10-06Notice Regarding the Acquisition Status of Class A Preferred Shares
- 2026-09-08Notice Regarding the Acquisition Status of Class A Preferred Shares
- 2026-08-07Notice Regarding the Acquisition Status of Class A Preferred Shares
- 2026-07-29Notice Regarding Benefits for Preferred Equity Investors
- 2026-07-29Notice Regarding Unrealized Losses on Securities at the End of the First Quarter of the Fiscal Year Ending March 2027
11 more
- 2026-07-29Overview of Financial Results for the First Quarter of the Fiscal Year Ending March 2027
- 2026-07-29Summary of Financial Results for the First Quarter of the Fiscal Year Ending March 2027 (Japanese GAAP) (Consolidated)
- 2026-07-15Articles of Incorporation 2026/07/14
- 2026-05-20Notice of Change in Representative Director
- 2026-05-20Notice Regarding Changes to the Basic Policy on Profit Distribution
- 2026-05-20Notice Regarding the Determination of Matters Relating to the Acquisition of the Fund’s Own Preferred Equity Interests and the Cancellation of the Fund’s Own Preferred Equity Interests
- 2026-05-20Overview of Results for the Fiscal Year Ending March 2026
- 2026-05-20Summary of Financial Results for the Fiscal Year Ending March 2026 [Japanese GAAP] (Consolidated)
- 2026-04-24Notice Concerning Unrealized Losses on Securities at the Fiscal Year-End of March 2026
- 2026-03-30Notice Concerning Donations under the Benefit Program
- 2026-03-19Notice of Change in Representative Director
Threads
- 2026-10-28Maintaining a highly stable portfolio through flexible rebalancing
- 2026-10-28Strengthening Global Diversified Investment in Response to the Negative Interest Rate Environment
- 2026-10-28Risk of Bond Price Declines Due to Rising Market Interest Rates
- 2026-10-28Price Fluctuation Risk of Shares and Investment Trusts
- 2026-10-28Non-performing Loan and Bad Debt Risk
- 2026-10-28Risk of Capital Adequacy Ratios Falling Below Regulatory Levels
- 2026-10-28Numerical Targets for Profitability, Financial Soundness and Efficiency in the Medium-Term Management Plan
- 2026-10-28Diversification of Revenue Sources and Recognition of Stable Earnings Through Strengthened Corporate Sales
92 more
- 2026-10-28Ordinary profit up, but quarterly net profit attributable to owners of the parent down due to higher income taxes
- 2026-10-06Building up retained earnings while maintaining stable dividends over the long term
- 2026-07-29Changes in financial position due to increases in cash and due from banks, deposits and securities, and a decrease in loans
- 2026-07-29Enhancing Investment Appeal Through a Benefit Program for Preferred Equity Investors
- 2026-06-23Supporting the Development of the Shinkin Bank Industry as Its Central Financial Institution and Contributing to Economic and Social Prosperity
- 2026-06-23Supporting the Strengthening of Shinkin Banks' Business and Management Foundations
- 2026-06-23Stable Funding and Diversification of Funding Sources
- 2026-06-23Strengthening Market Management Capabilities and Expanding Financial Services
- 2026-06-23Flexible response to changes in the financial environment and pursuit of new business
- 2026-06-23Sound Management Through Improved Operational Efficiency, Capital Adequacy and Stronger Risk Management
- 2026-06-23Developing Professional Talent and Building an Attractive Workplace
- 2026-06-23Strengthening the sales and management foundations for the next decade
- 2026-06-23Support for strengthening the business base of Shinkin banks, centered on small and medium-sized enterprises, individuals and local communities
- 2026-06-23Support for strengthening the management foundations of Shinkin banks through improved profitability and soundness
- 2026-06-23Strengthening the Bank’s Financial and Earnings Stability, Organization and Human Resources
- 2026-06-23Anti-dilution protection for preferred equity in a common equity offering
- 2026-06-23Maintaining Credit Order in the Shinkin Banking Sector through the Management Strengthening System and Other Measures
- 2026-06-23Deterioration of regional economies due to population decline, widening regional disparities and population concentration
- 2026-06-23Deterioration in the Earnings Environment Due to Negative Interest Rates and Intensified Competition
- 2026-06-23Dependence on the business performance and financial condition of the credit union
- 2026-06-23Competitive disadvantage resulting from legal restrictions on a federation of Shinkin banks
- 2026-06-23Issuer Credit Risk on Corporate Bonds and Other Securities
- 2026-06-23Foreign-Exchange Risk on Foreign Securities
- 2026-06-23Decline in the Market Liquidity of Securities Due to Market Turmoil
- 2026-06-23Funding Risks Related to Shinkin Bank Deposits and Credit Ratings
- 2026-06-23Operational Errors, Fraud, System Failures and Unauthorized Access
- 2026-06-23Framework for Compliance with Laws and Regulations, with Compliance as One of the Most Important Management Priorities
- 2026-06-23Risk of changes in regulations, legal and regulatory systems, accounting systems, tax systems, etc.
- 2026-06-23Reputational Risk Arising from Negative Media Coverage
- 2026-06-23Intensifying Competition and New Risks Associated with Deregulation and Expanded Business Scope
- 2026-06-23Risk of Personal Information Leaks and Loss of Customer Trust
- 2026-06-23Ensuring Fairness and Transparency in Management
- 2026-06-23Management oversight by credit union members and preferred equity holders
- 2026-06-23Oversight and checks by non-executive directors, including shinkin bank presidents and chairpersons
- 2026-06-23Independence of the Audit Function through Collaboration among Non-Member Auditors, the Accounting Auditor and the Internal Audit Department
- 2026-06-23Verification of Compliance, Risk and Business Operations by an Independent Audit Department
- 2026-06-23Internal Control Built on Compliance, Financial Reporting, and Risk Management
- 2026-06-23Integrated Risk Management Using VaR, Risk Limits and Committees
- 2026-06-23Group-wide management of risks, operations and incidents, including consolidated subsidiaries
- 2026-06-23Maintaining a high capital ratio, low non-performing loan ratio, and low expense ratio
- 2026-06-23Renewal of Core Systems and Common Open-Systems Infrastructure
- 2026-06-23Facility renovations at the Atsugi Center, Kobe Center and other locations
- 2026-06-23Eliminating Antisocial Forces and Severing Relationships
- 2026-06-23Retirement benefit risk arising from changes in pension asset investment returns and actuarial assumptions
- 2026-06-23Uncertainty Surrounding Overseas Economies and Policymaking
- 2026-06-23Moderate recovery in the domestic economy
- 2026-06-23Contributing to Stable Asset Formation through Customer-Oriented Business Conduct
- 2026-06-23Support for standardizing and streamlining back-office operations at credit unions
- 2026-06-23Development and provision of products and services for credit associations in response to digitalization
- 2026-06-23Optimizing the Balance Among Earnings, Risk and Capital Through the Risk Appetite Framework
- 2026-06-23Efficient Operations through RPA, Digital Technology, Centralization and Outsourcing
- 2026-06-23Code of Ethics and Framework Development, Including the Response to the SDGs
- 2026-06-23Enhancing Measures to Prevent Money Laundering and Terrorist Financing
- 2026-06-23Review of the Rationale for Strategic Shareholdings and Disposal of Holdings with Limited Rationale
- 2026-06-23Business Continuity Framework Based on Business Continuity Plans, Training and Backup Sites
- 2026-06-23Transformation through People, Networks and Digital (HaND) to Achieve Our 2030 Vision
- 2026-06-23Transition and Physical Risks Associated with Climate Change
- 2026-06-23Risk of downward pressure on the domestic economy from soaring raw material prices and supply constraints
- 2026-06-23Refinement of the Allowance for Doubtful Accounts through Application of the Cash Flow Estimation Method to Large Borrowers Requiring Special Attention
- 2026-06-23Execute ¥3 trillion in cumulative ESG investment and financing by fiscal 2030
- 2026-06-23Reduction and Zeroing of Outstanding Loans and Investments for Coal-Fired Power Plants
- 2026-06-23Net-Zero Scope 1 and Scope 2 Emissions by FY2030
- 2026-06-23Numerical Targets for the Male Childcare Leave Take-Up Rate and Female New Graduate Hiring Ratio
- 2026-06-23Advancing Human Rights Due Diligence and Remedies Based on the Group Human Rights Policy
- 2026-06-23Treatment of Loans under the Loan Participation Accounting Guidance
- 2026-06-23Support for the Taskforce on Nature-related Financial Disclosures (TNFD) Recommendations
- 2026-06-23Preparations for Applying the Lease Accounting Standards and Related Requirements in Fiscal 2027
- 2026-06-23Formulation of a Multistakeholder Policy
- 2026-06-23Non-Financial KPI Targets in the Medium-Term Management Plan 2025
- 2026-05-20Risk of Lending Concentration to the National Government and Government-Related Institutions
- 2026-05-20External Growth and New Revenue Streams Through Growth Strategy Investments
- 2026-03-30Donation to Support Orphans Through the Benefit Program
- 2025-11-27Utilization of the networks of shinkin banks, Shinkin Central Bank and external institutions, and the development of a new platform
- 2025-06-25Receiving payment for addressing local challenges and building a system for the sustainable provision of high-quality services
- 2024-11-28Gradual recovery in overseas economic conditions
- 2024-06-27¥200 Billion Third-Party Allotment Capital Increase through Specified Ordinary Contribution
- 2024-06-27Financing cash flow outflow from repayment of subordinated borrowings
- 2024-06-27Economic, Market and Credit Risks Associated with the Spread of COVID-19
- 2023-06-29Contributing to Regional Development and Revitalization Together with Shinkin Banks
- 2023-06-29Changes in the Operating Environment Driven by Financial Institution Consolidation, Postal Savings and Fintech
- 2023-06-29Costs Associated with Providing Capital and Financial Support to Shinkin Banks
- 2023-06-29Deferred Tax Asset Recoverability Risk
- 2023-06-29Support for Shinkin Bank Clients and SMEs Amid the Spread of COVID-19
- 2023-06-29Consideration of market decline factors in impairment assessments for bonds and other securities
- 2022-08-10Preparing for the Application of the Revenue Recognition and Fair Value Measurement Accounting Standards
- 2022-06-29Risk of Slower Economic Growth Due to a Consumption Tax Hike
- 2021-11-26Further promotion of regional revitalization through the establishment of the Regional Development Promotion Department
- 2020-06-29Support for Recovery from the Great East Japan Earthquake
- 2020-06-29Support for Recovery and Reconstruction following the Kumamoto Earthquake
- 2020-06-29Expanding the Customer Base of Shinkin Banks Through Business Succession and Related Activities
- 2018-11-28Business Succession and Reorganization of Shinkin Trust Bank for the Concurrent Operation of Trust Banking Business
- 2017-06-29Establishment of a framework for managing trust operations, including the protection of settlors and beneficiaries