8387
The Shikoku Bank, Ltd.
株式会社四国銀行
Banks
The Shikoku Bank, Ltd., together with its subsidiaries, provides various commercial banking products and services for individual and corporate customers in Japan. It offers time, property, fixed term, and foreign currency deposits; free card, owner's free, education card, education, car, renovation loan, and purpose loans; and loan simulation and loan plaza services, as well as prepaid, credit, and cash cards. The company also provides payment, ATM lottery, inheritance related, foreign currency reserve, internet banking, and convenience store ATM services; business succession consulting services; merger and acquisition brokerage support services; and business matching and SDGs management support services. In addition, it offers investment trusts, foreign currency-denominated bonds, structured and public bonds, and stocks. The company was formerly known as Koichi Bank, Ltd. and changed its name to The Shikoku Bank, Ltd. in 1923. The Shikoku Bank, Ltd. was incorporated in 1878 and is headquartered in Kochi, Japan.
Price
¥2,749
Market Cap
¥115.1B
Ent. Value
—
Net Cash
est
—
Shares Out.
41.9M
P / E
16.8×
EV / EBIT
—
P / Book
0.72×
P / NCAV
N/M
Div. Yield
1.82%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥3,375.1B | ¥3,309.6B | ¥3,324.6B | ¥3,632.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥33.4B | ¥34.1B | ¥34.5B | ¥34.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥2.0B | ¥2.2B | ¥1.9B | ¥2.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥48M | ¥19M | ¥19M | ¥19M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥3,214.9B | ¥3,141.4B | ¥3,174.7B | ¥3,478.1B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | ¥64M | ¥77M | ¥76M | ¥75M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | ¥812M | ¥6.2B | ¥368M | ¥2.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥160.2B | ¥168.2B | ¥150.0B | ¥154.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | ¥25.0B | ¥25.0B | ¥25.0B | ¥25.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥9.7B | ¥9.7B | ¥9.7B | ¥9.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥114.1B | ¥109.6B | ¥103.8B | ¥100.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-884M | ¥-1.4B | ¥-1.4B | ¥-1.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥12.1B | ¥25.1B | ¥12.7B | ¥21.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥147.9B | ¥143.0B | ¥137.1B | ¥133.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | ¥143M | ¥140M | ¥138M | ¥137M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥3,534 | ¥3,418 | ¥3,281 | ¥3,193 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥86.4B | ¥-85.6B | ¥-362.2B | ¥299.2B |
| D&A | ¥2.3B | ¥1.9B | ¥2.1B | ¥2.2B |
| Investing CF | ¥-121.8B | ¥-95.9B | ¥131.8B | ¥9.9B |
| CapEx | ¥1.1B | ¥998M | ¥1.3B | ¥1.0B |
| Financing CF | ¥-2.0B | ¥-6.5B | ¥-1.9B | ¥-1.4B |
| Dividends Paid | ¥-2.0B | ¥-1.5B | ¥-1.8B | ¥-1.2B |
| Share Buybacks | ¥-1M | ¥-1M | ¥-1M | ¥-1M |
| Free Cash Flow | ¥85.3B | ¥-86.6B | ¥-363.6B | ¥298.2B |
| Net Change in Cash | ¥-37.3B | ¥-188.0B | ¥-232.3B | ¥307.7B |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| ROE | 4.2% | 4.6% | 3.6% | 5.1% |
| ROA | 0.2% | 0.2% | 0.2% | 0.2% |
| EPS | ¥163.29 | ¥174.76 | ¥133.28 | ¥191.07 |
| DPS | ¥50.00 | ¥40.00 | ¥35.00 | ¥40.00 |
| BPS | ¥3,834.14 | ¥4,029.18 | ¥3,595.38 | ¥3,711.54 |
| FCF/Share | ¥2,039 | ¥-2,071 | ¥-8,702 | ¥7,147 |
| Payout Ratio | 30.6% | 22.9% | 26.3% | 20.9% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 1
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
Japan Master Trust Bank
日本マスタートラスト信託銀行株式会社(信託口)
|
3,759 | 8.97% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行(信託口)
|
2,307 | 5.51% |
| 3 |
Meiji Yasuda Life Insurance
明治安田生命保険相互会社
|
1,815 | 4.33% |
| 4 |
Nichia Corporation
日亜化学工業株式会社
|
988 | 2.36% |
| 5 |
Employee Stock Ownership Plan
四国銀行従業員持株会
|
987 | 2.35% |
| 6 |
Nippon Life Insurance
日本生命保険相互会社
|
539 | 1.28% |
| 7 | 宮本 雅史 | 514 | 1.22% |
| 8 |
JPMorgan Chase Bank, N.A.
JP MORGAN CHASE BANK 385781(常任代理人 株式会社みずほ銀行決済営業部)
|
483 | 1.15% |
| 9 | 四銀総合リース株式会社 | 471 | 1.12% |
| 10 |
Sompo Japan Insurance Inc.
損害保険ジャパン株式会社
|
415 | 0.99% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
14.5%
-2.1% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
1.1%
+1.1% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
13.7%
-0.3% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 29.3% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Japan Master Trust Bank 日本マスタートラスト信託銀行 | 8.49% | 8.01% | 8.97% +0.96% | |
| Japan Custody Bank 日本カストディ銀行 | 9.03% | 8.52% | 5.51% -3.01% | |
| Meiji Yasuda Life Insurance 明治安田生命保険 | 4.34% | 4.33% | 4.33% | |
| Nichia Corporation 日亜化学工業 | 2.36% | 2.36% | 2.36% | |
| Employee Stock Ownership Plan 四国銀行従業員持株会 | 2.24% | 2.26% | 2.35% +0.09% | |
| Nippon Life Insurance 日本生命保険 | 1.29% | 1.29% | 1.28% -0.01% | |
| 宮本 雅史 | — | 1.23% | 1.22% -0.01% | |
| JP Morgan NEW ENTRY | — | — | — | 1.15% NEW |
| 四銀総合リース | — | 1.12% | 1.12% | |
| Sompo Japan Insurance Inc. 損害保険ジャパン | 1.54% | 1.32% | 0.99% -0.33% | |
| DFA INTL SMALL CAP VALUEPORTFOLIO last seen 2023 | Exited Top 10 | 1.68% | — | — |
| ＳＭＢＣ日興証券 last seen 2023 | Exited Top 10 | 1.30% | — | — |
| Concentration (HHI) ⓘ | 192 | 172 | 147 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥23,179M
+4% since 2023
Holdings
46
+4 new
10 exited
Trend
1 unwinding
vs 2023
| Held Company | FY2025 ¥23,179M total | FY2023 ¥22,275M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
Sompo Holdings, Inc.
ＳＯＭＰＯホールディングス株式会社
|
3,888 |
+125.3%
↑
860,130
|
2,004 | 381,710 | |
|
ROCK FIELD CO.,LTD.
株式会社ロック・フィールド
|
1,971 |
1,242,920
|
1,945 | 1,242,920 | M |
|
Sumitomo Realty & Development Co.,Ltd.
住友不動産株式会社
|
1,689 |
302,000
|
900 | 302,000 | M |
|
GIKEN LTD.
株式会社技研製作所
|
1,493 |
1,060,616
|
2,943 | 1,060,616 | M |
|
Fuyo General Lease Co., Ltd.
芙蓉総合リース株式会社(注)３
|
1,481 |
NEW
New
384,000
|
— | M | |
|
Tokyo Tatemono Co., Ltd.
東京建物株式会社
|
1,472 |
582,767
|
941 | 582,767 | M |
|
PENTA-OCEAN CONSTRUCTION CO.,LTD.
五洋建設株式会社
|
1,463 |
2,058,090
|
1,300 | 2,058,090 | M |
| 株式会社淀川製鋼所 | 1,225 |
220,026
|
597 | 220,026 | M |
|
NIPPON KODOSHI CORPORATION
ニッポン高度紙工業株式会社
|
880 |
506,000
|
996 | 506,000 | M |
|
TADANO LTD.
株式会社タダノ
|
726 |
677,878
|
707 | 677,878 | M |
|
Daiwa Securities Group Inc.
株式会社大和証券グループ本社
|
598 |
602,000
|
373 | 602,000 | M |
|
Electric Power Development Co., Ltd.
電源開発株式会社
|
564 |
222,800
|
474 | 222,800 | |
|
FUJI CO., LTD.
株式会社フジ
|
508 |
234,476
|
405 | 234,476 | M |
|
Yasuda Logistics corporation
安田倉庫株式会社
|
504 |
300,000
|
311 | 300,000 | M |
|
Haruyama Holdings Inc.
株式会社はるやまホールディングス
|
473 |
765,840
|
366 | 765,840 | M |
| ＮＩＰＰＯＮ ＥＸＰＲＥＳＳホールディングス株式会社(注)４ | 448 |
NEW
New
164,799
|
— | M | |
|
East Japan Railway Company
東日本旅客鉄道株式会社
|
442 |
+200.0%
↑
150,000
|
366 | 50,000 | |
|
TOAGOSEI CO., LTD.
東亞合成株式会社
|
439 |
311,483
|
383 | 311,483 | M |
|
The Hyakujushi Bank,Ltd.
株式会社百十四銀行
|
349 |
100,500
|
184 | 100,500 | M |
|
DAIWA INDUSTRIES LTD.
大和冷機工業株式会社
|
324 |
191,000
|
263 | 191,000 | M |
|
Daiwabo Holdings Co.,Ltd.
ダイワボウホールディングス株式会社
|
300 |
119,000
|
259 | 119,000 | |
|
Okura Industrial Co.,Ltd.
大倉工業株式会社
|
261 |
-49.9%
↓
67,181
|
273 | 134,181 | M |
|
TAIHEIYO CEMENT CORPORATION
太平洋セメント株式会社
|
227 |
58,412
|
145 | 58,412 | M |
|
Kanematsu Engineering Co., Ltd.
兼松エンジニアリング株式会社
|
174 |
152,100
|
180 | 152,100 | M |
|
OKAMURA CORPORATION
株式会社オカムラ
|
173 |
88,000
|
120 | 88,000 | M |
|
譌･譛ｬ陬ｽ邏呎ｪ蠑丈ｼ夂､ｾ
日本製紙株式会社
|
162 |
161,121
|
164 | 161,121 | M |
|
Miroku Corporation
株式会社ミロク
|
159 |
142,112
|
217 | 142,112 | M |
| 綜合警備保障株式会社 | 137 |
+400.0%
↑
122,850
|
87 | 24,570 | M |
|
NANKAI CHEMICAL COMPANY, LIMITED
南海化学株式会社
|
104 |
NEW
New
40,000
|
— | M | |
|
CENTRAL GENERAL DEVELOPMENT CO.,LTD.
セントラル総合開発株式会社
|
77 |
170,000
|
96 | 170,000 | M |
|
FUMAKILLALIMITED
フマキラー株式会社
|
75 |
69,816
|
74 | 69,816 | M |
|
DCM Holdings Co.,Ltd.
ＤＣＭホールディングス株式会社
|
71 |
51,200
|
59 | 51,200 | |
|
First Juken Co.,Ltd.
ファースト住建株式会社
|
63 |
58,400
|
66 | 58,400 | M |
|
SEC CARBON,LIMITED
ＳＥＣカーボン株式会社
|
52 |
+400.0%
↑
25,000
|
43 | 5,000 | M |
|
TOKAI LEASE CO.,LTD.
東海リース株式会社
|
51 |
24,381
|
32 | 24,381 | M |
|
AXAS HOLDINGS CO.,LTD.
アクサスホールディングス株式会社
|
50 |
419,900
|
52 | 419,900 | |
|
JFE Holdings,Inc.
ＪＦＥホールディングス株式会社
|
49 |
27,000
|
45 | 27,000 | |
|
THE BANK OF KOCHI,LTD
株式会社高知銀行
|
23 |
29,700
|
20 | 29,700 | M |
|
NIPPON KINZOKU CO., LTD.
日本金属株式会社
|
18 |
30,000
|
28 | 30,000 | M |
|
TOYO WHARF & WAREHOUSE CO.,LTD.
東洋埠頭株式会社
|
14 |
11,410
|
15 | 11,410 | M |
| フクヤ建設株式会社 | 2 |
NEW
New
1,000
|
— | ||
|
Iyogin Holdings,Inc.
株式会社いよぎんホールディングス
|
— | — | |||
|
Shikoku Electric Power Company, Incorporated
四国電力株式会社
|
— | — | |||
|
Sumitomo Forestry Co., Ltd.
住友林業株式会社
|
— | — | M | ||
|
The Toho Bank, Ltd.
株式会社東邦銀行
|
— | — | |||
|
THE SHIMIZU BANK,LTD.
株式会社清水銀行
|
— | — | M | ||
|
Fukuoka Financial Group, Inc.
株式会社ふくおかフィナンシャルグループ
|
— |
−100%
Exit
—
|
706 | 276,995 | |
|
TOMONY Holdings,Inc.
トモニホールディングス株式会社
|
— |
−100%
Exit
—
|
247 | 700,000 | |
|
Oki Electric Industry Company, Limited
沖電気工業株式会社
|
— |
−100%
Exit
—
|
7 | 10,500 | M |
|
Fuyo General Lease Co., Ltd.
芙蓉総合リース株式会社
|
— |
−100%
Exit
—
|
1,152 | 128,000 | M |
|
Sumitomo Metal Mining Co., Ltd.
住友金属鉱山株式会社
|
— |
−100%
Exit
—
|
991 | 196,447 | M |
|
Iyogin Holdings,Inc.
株式会社いよぎんホールディングス(注３)
|
— |
−100%
Exit
—
|
785 | 1,045,000 | |
| ＮＩＰＰＯＮ ＥＸＰＲＥＳＳホールディングス株式会社 | — |
−100%
Exit
—
|
437 | 54,933 | M |
|
taisei corporation
大成建設株式会社
|
— |
−100%
Exit
—
|
344 | 84,040 | M |
|
THE BANK OF SAGA LTD.
株式会社佐賀銀行
|
— |
−100%
Exit
—
|
129 | 80,100 | M |
|
Procrea Holdings, Inc.
株式会社プロクレアホールディングス(注８)
|
— |
−100%
Exit
—
|
44 | 21,206 | |
| Portfolio total | 23,179 | 22,275 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding