8416
THE BANK OF KOCHI,LTD
株式会社高知銀行
Banks
The Bank Of Kochi, Ltd. provides various banking products and services in Japan. It operates in three segments: Banking Business, Leasing Business, and Credit Card Business. The company offers deposit and comprehensive accounts; inheritance-only and retirement benefit-only fixed term, and foreign currency deposits; tax-free small investment system; investment; accumulation investment and investment trusts; pension periodic payment; term-asset management; and government and private placement bonds. It also provides loan products, including free, car, housing, card, reverse mortgage, educational, and business loans, as well as loan consultation; insurance products, such as medical and cancer, individual pension, property, whole life, and term insurance; guardianship system support deposit; trust contract agency business; individual-type defined contribution pension plan; testamentary trust and estate settlement services; dedicated account for educational donations; and inheritance procedures. In addition, the company offers services comprising internet banking, payment and transfer, electronic money and smartphone payment, payroll transfer, foreign exchange and remittance, pension receipt, telephone, and ATM functions, as well as EB, web transfer reception, bank deposit, and various seminars and consultations. Further, it provides business support services, which include digitization, merger and acquisition, financial diagnostics, industry-academia collaboration, employee benefits, and sales channel expansion and business matching; international business trade transactions; securities investment; and leasing operations. The company serves individual, corporate, and sole proprietor customers. The Bank Of Kochi, Ltd. was incorporated in 1930 and is headquartered in Kochi, Japan.
Price
¥1,220
Market Cap
¥13.2B
Ent. Value
¥-84,717M
Net Cash
est
¥98.0B
Shares Out.
10.8M
P / E
25.8×
EV / EBIT
—
⚠ TSE Capital Mandate
P / Book
0.32×
P / NCAV
N/M
Div. Yield
0.82%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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| Total Assets | ¥1,156.6B | ¥1,153.5B | ¥1,142.3B | ¥1,185.4B | ¥1,211.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥16.0B | ¥15.7B | ¥16.2B | ¥15.5B | ¥15.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥713M | ¥529M | ¥447M | ¥215M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥1.7B | ¥1.9B | ¥1.9B | ¥167M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥1,107.1B | ¥1,099.3B | ¥1,080.3B | ¥1,108.4B | ¥1,137.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥30M | ¥27M | ¥24M | ¥21M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥135M | ¥102M | ¥108M | ¥117M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥49.5B | ¥54.2B | ¥62.0B | ¥77.0B | ¥74.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥15.4B | ¥15.4B | ¥22.9B | ¥19.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥10.3B | ¥10.3B | ¥20.1B | ¥16.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥30.8B | ¥30.6B | ¥30.1B | ¥29.2B | ¥28.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-206M | ¥-169M | ¥-188M | ¥-187M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥-5.4B | ¥3.0B | ¥1.6B | ¥7.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥56.4B | ¥56.1B | ¥55.6B | ¥72.1B | ¥64.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥3.5B | ¥3.3B | ¥3.3B | ¥3.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥5,173 | ¥5,130 | ¥3,930 | ¥3,630 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥22.9B | ¥25.9B | ¥-22.1B | ¥-32.0B | ¥-34.3B |
| D&A | ¥916M | ¥931M | ¥822M | ¥803M | ¥833M |
| Investing CF | ¥-18.9B | ¥6.3B | ¥-5.9B | ¥6.1B | ¥2.5B |
| CapEx | ¥831M | ¥239M | ¥1.4B | ¥678M | ¥698M |
| Financing CF | ¥-342M | ¥-413M | ¥-17.7B | ¥6.4B | ¥-462M |
| Dividends Paid | — | ¥-373M | ¥-432M | ¥-442M | ¥-441M |
| Share Buybacks | — | ¥-37M | ¥-17.3B | ¥0M | ¥-19M |
| Free Cash Flow | ¥22.1B | ¥25.6B | ¥-23.5B | ¥-32.7B | ¥-35.0B |
| Net Change in Cash | — | ¥31.7B | ¥-45.7B | ¥-19.5B | ¥-32.3B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 1.2% | 1.6% | 1.9% | 2.2% | 2.2% |
| ROA | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| EPS | ¥47.20 | ¥73.43 | ¥111.96 | ¥139.29 | ¥140.17 |
| DPS | ¥10.00 | ¥25.00 | ¥25.00 | ¥25.00 | ¥25.00 |
| BPS | ¥3,850.18 | ¥4,347.89 | ¥5,115.28 | ¥5,129.67 | ¥5,560.26 |
| FCF/Share | — | ¥2,362 | ¥-2,168 | ¥-1,780 | ¥-1,980 |
| Payout Ratio | 21.2% | 34.0% | 22.3% | 17.9% | 17.8% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 14
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
Giken Holdings Co., Ltd.
技研ホールディングス株式会社
|
1,343 | 12.38% |
| 2 |
Stock Ownership Plan
高知銀行持株会
|
465 | 4.28% |
| 3 |
Japan Custody Bank
株式会社日本カストディ銀行(信託口)
|
321 | 2.96% |
| 4 | 日色 隆善 | 230 | 2.12% |
| 5 |
Yonkyu Co., Ltd.
株式会社ヨンキュウ
|
208 | 1.91% |
| 6 | 四国総合信用株式会社 | 206 | 1.90% |
| 7 |
GIKEN LTD.
株式会社技研製作所
|
199 | 1.84% |
| 8 | 寺澤 佳代 | 103 | 0.94% |
| 9 | 株式会社豊和銀行 | 102 | 0.94% |
| 10 | 損害保険ジャパン株式会社 | 95 | 0.87% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
3.0%
-6.5% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
0.0%
+0.0% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
27.2%
+5.4% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 30.1% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Giken Holdings Co., Ltd. 技研ホールディングス | 2.74% | 7.97% | 12.38% +4.41% | |
| Stock Ownership Plan 高知銀行持株会 | 2.68% | 4.32% | 4.28% -0.04% | |
| Japan Custody Bank 日本カストディ銀行 | 4.68% | 6.77% | 2.96% -3.81% | |
| 日色 隆善 ↑ | — | 1.97% | 2.12% +0.15% | |
| Yonkyu Co., Ltd. 式会社ヨンキュウ | 1.18% | 2.00% | 1.91% -0.09% | |
| 四国総合信用 | 1.12% | 1.90% | 1.90% | |
| GIKEN LTD. 式会社技研製作所 | 1.08% | 1.84% | 1.84% | |
| 式会社豊和銀行 NEW ENTRY | — | — | — | 0.94% NEW |
| 寺澤 佳代 NEW ENTRY | — | — | — | 0.94% NEW |
| 損害保険ジャパン NEW ENTRY | 0.74% | — | 0.87% NEW | |
| Japan Master Trust Bank 日本マスタートラスト信託銀行 last seen 2024 | Exited Top 10 | 2.93% | 2.66% | — |
| 藤岡 義久 last seen 2024 | Exited Top 10 | — | 1.73% | — |
| 式会社整理回収機構 last seen 2023 | Exited Top 10 | 40.88% | — | — |
| Concentration (HHI) ⓘ | 1721 | 153 | 198 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥2,754M
-25% since 2023
Holdings
15
+1 new
4 exited
Trend
1 building
vs 2023
| Held Company | FY2025 ¥2,754M total | FY2023 ¥3,673M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
GIKEN LTD.
株式会社技研製作所
|
1,117 |
793,338
|
2,201 | 793,338 | M |
| 株式会社淀川製鋼所 | 540 |
97,000
|
263 | 97,000 | M |
| NIPPON EXPRESSホールディングス株式会社(注2) | 281 |
NEW
New
103,500
|
— | M | |
|
GLOBERIDE, Inc.
グローブライド株式会社
|
192 |
100,000
|
247 | 100,000 | M |
|
Miroku Corporation
株式会社ミロク
|
149 |
133,156
|
203 | 133,156 | M |
| 綜合警備保障株式会社 | 134 |
+400.0%
↑
120,000
|
85 | 24,000 | M |
|
The Shikoku Bank, Ltd.
株式会社四国銀行
|
75 |
62,825
|
54 | 62,825 | M |
|
TOKYO AUTOMATIC MACHINERY WORKS, LTD
株式会社東京自働機械製作所
|
74 |
20,500
|
39 | 20,500 | M |
|
DAIKO TSUSAN CO.,LTD.
ダイコー通産株式会社
|
58 |
40,000
|
48 | 40,000 | M |
|
THE DAITO BANK, LTD.
株式会社大東銀行
|
42 |
60,000
|
38 | 60,000 | M |
|
SINFONIA TECHNOLOGY CO., LTD.
シンフォニアテクノロジー株式会社
|
35 |
6,000
|
9 | 6,000 | M |
|
The Miyazaki Taiyo Bank,Ltd.
株式会社宮崎太陽銀行
|
33 |
26,800
|
26 | 26,800 | M |
|
THE HOWA BANK,LTD.
株式会社豊和銀行
|
24 |
51,100
|
28 | 51,100 | M |
|
Eternal Hospitality Group Co.,Ltd.
株式会社エターナルホスピタリティグループ
|
— | — | |||
|
Shikoku Electric Power Company, Incorporated
四国電力株式会社
|
— | — | M | ||
|
Kanematsu Engineering Co., Ltd.
兼松エンジニアリング株式会社
|
— |
−100%
Exit
—
|
60 | 50,700 | |
| NIPPON EXPRESSホールディングス株式会社 | — |
−100%
Exit
—
|
274 | 34,500 | M |
| 三井住友トラスト・ホールディングス株式会社 | — |
−100%
Exit
—
|
94 | 20,860 | M |
| 株式会社鳥貴族ホールディングス | — |
−100%
Exit
—
|
4 | 2,100 | |
| Portfolio total | 2,754 | 3,673 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding