The Banking segment encompasses deposits, loans, foreign currency exchange, securities investment and bonds, while the Leasing segment operates a leasing business. Additional operations include banking-related services such as software development, credit card business, and venture capital.
Cyborg Score Rationale
The company has a market cap of ¥101.07B ($692.45M) with a low P/E ratio of 6.32 and P/B ratio of 0.35, suggesting undervaluation. However, GuruFocus detected severe warning signs with the stock. The modest scale and limited analyst coverage suggest operational challenges.
Top Insights
Trading at only 0.35x book value with a 6.32x P/E ratio indicates deep undervaluation
Dividend yield of 3.05% (current) and 4.81% (forward) provides income support
Total assets of ¥5.14T in Q2 2025 showing modest growth momentum
Regional bank facing headwinds from Japan's deflationary environment and competitive pressures
Named Competitors
Major National Banks — Full-service mega-banks dominating Japanese banking
Regional Banks — Competing regional financial service providers
Recent Developments
(Q2 2025) Assets grew 1.01% to ¥5.14T
(May 2026) Stock trading at ¥526 with 52-week range of ¥340-¥573
Limited recent major announcements; focus on dividend returns
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