8541
The Ehime Bank, Ltd.
株式会社 愛媛銀行
Financial Services · Banks - Regional
The Ehime Bank, Ltd. provides banking products and financial services in Japan. It operates in two segments, Banking and Lease. The Banking business segment includes banking services, such as deposits, loans, and foreign exchange. The Leasing business segment involves leasing operations. The Ehime Bank, Ltd. was founded in 1915 and is headquartered in Matsuyama, Japan.
Price
¥1,934
Market Cap
¥76.0B
Ent. Value
—
Net Cash
est
—
Shares Out.
39.3M
P / E
13.2×
EV / EBIT
—
⚠ TSE Capital Mandate
P / Book
0.56×
P / NCAV
N/M
Div. Yield
1.76%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥2,962.7B | ¥2,888.0B | ¥2,886.7B | ¥2,888.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥28.3B | ¥28.8B | ¥29.5B | ¥29.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥2.5B | ¥2.3B | ¥2.0B | ¥2.1B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥4.5B | ¥1.7B | ¥4.4B | ¥152M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥2,827.0B | ¥2,750.5B | ¥2,758.9B | ¥2,753.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | ¥1.4B | ¥1.2B | ¥1.6B | ¥1.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | ¥246M | ¥267M | ¥254M | ¥1.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥135.7B | ¥137.4B | ¥127.8B | ¥134.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | ¥21.4B | ¥21.4B | ¥21.4B | ¥21.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥15.8B | ¥15.8B | ¥15.8B | ¥15.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥95.4B | ¥91.0B | ¥86.8B | ¥82.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-532M | ¥-617M | ¥-505M | ¥-517M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥3.4B | ¥9.6B | ¥4.1B | ¥15.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥132.0B | ¥127.6B | ¥123.5B | ¥119.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | ¥260M | ¥254M | ¥237M | ¥212M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥3,362 | ¥3,248 | ¥3,143 | ¥3,034 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥44.1B | ¥-25.0B | ¥-74.6B | ¥84.6B |
| D&A | ¥1.7B | ¥1.7B | ¥1.8B | ¥1.7B |
| Investing CF | ¥20.8B | ¥13.0B | ¥-46.0B | ¥-24.3B |
| CapEx | ¥605M | ¥2.3B | ¥1.7B | ¥1.3B |
| Financing CF | ¥-1.2B | ¥-1.3B | ¥-1.2B | ¥-7.0B |
| Dividends Paid | ¥-1.3B | ¥-1.2B | ¥-1.2B | ¥-1.2B |
| Share Buybacks | ¥-1M | ¥-131M | ¥-1M | ¥-1M |
| Free Cash Flow | ¥43.5B | ¥-27.3B | ¥-76.3B | ¥83.3B |
| Net Change in Cash | ¥63.7B | ¥-13.2B | ¥-121.7B | ¥53.2B |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| ROE | 4.2% | 3.8% | 4.1% | 4.0% |
| ROA | 0.2% | 0.2% | 0.2% | 0.2% |
| EPS | ¥146.47 | ¥129.38 | ¥137.96 | ¥147.97 |
| DPS | ¥34.00 | ¥32.00 | ¥30.00 | ¥30.00 |
| BPS | ¥3,469.25 | ¥3,519.54 | ¥3,263.70 | ¥3,447.57 |
| FCF/Share | ¥1,108 | ¥-694 | ¥-1,943 | ¥2,120 |
| Payout Ratio | 23.2% | 24.7% | 21.7% | 20.3% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 6
| # | 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）
|
3,481 | 8.86% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行 （信託口）
|
1,496 | 3.80% |
| 3 |
Stock Ownership Plan
愛媛銀行行員持株会
|
1,347 | 3.43% |
| 4 | 株式会社伊予鉄グループ | 1,127 | 2.87% |
| 5 | 大王海運株式会社 | 1,002 | 2.55% |
| 6 |
Daishowa Paper Manufacturing Co., Ltd.
大王製紙株式会社
|
750 | 1.91% |
| 7 | 東京紙パルプ交易株式会社 | 700 | 1.78% |
| 8 |
Sumitomo Life Insurance
住友生命保険相互会社
|
599 | 1.52% |
| 9 |
JPMorgan Chase Bank, N.A.
JP MORGAN CHASE BANK 385781（常任代理人 みずほ銀行決済営業部）
|
494 | 1.25% |
| 10 |
Daiwa Securities Group Inc.
株式会社大和証券グループ本社
|
458 | 1.16% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
12.7%
-4.9% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
1.2%
+1.2% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
15.2%
+2.1% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 29.1% · 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 | 8.58% | 7.96% | 8.86% +0.90% | |
| Japan Custody Bank 日本カストディ銀行 | 10.39% | 9.60% | 3.80% -5.80% | |
| Stock Ownership Plan 愛媛銀行行員持株会 | 3.69% | 3.62% | 3.43% -0.19% | |
| 式会社伊予鉄グループ NEW ENTRY | — | — | — | 2.87% NEW |
| 大王海運 NEW ENTRY | — | — | — | 2.55% NEW |
| Daishowa Paper Manufacturing Co., Ltd. 大王製紙 | 1.91% | 1.91% | 1.91% | |
| 東京紙パルプ交易 | — | 1.27% | 1.78% +0.51% | |
| Sumitomo Life Insurance 住友生命保険 | 1.52% | 1.52% | 1.52% | |
| JP Morgan NEW ENTRY | — | — | — | 1.25% NEW |
| Daiwa Securities Group Inc. 式会社大和証券グループ本社 | — | 1.16% | 1.16% | |
| 美須賀海運 last seen 2024 | Exited Top 10 | 2.54% | 2.54% | — |
| 今治造船 last seen 2024 | Exited Top 10 | — | 1.09% | — |
| ARIAKE MASTER FUND last seen 2023 | Exited Top 10 | 1.18% | — | — |
| DFA INTL SMALL CAP VALUE PORTFOLIO last seen 2023 | Exited Top 10 | 1.78% | — | — |
| 損害保険ジャパン last seen 2023 | Exited Top 10 | 1.27% | — | — |
| Concentration (HHI) ⓘ | 214 | 185 | 131 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥17,994M
-0% since 2023
Holdings
19
7 exited
Trend
4 unwinding
vs 2023
| Held Company | FY2025 ¥17,994M total | FY2023 ¥18,028M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
Daishowa Paper Manufacturing Co., Ltd.
大王製紙株式会社
|
5,695 |
6,920,947
|
7,156 | 6,920,947 | M |
|
FUJI CO., LTD.
株式会社フジ
|
2,529 |
1,165,877
|
2,014 | 1,165,877 | M |
|
NEC Corporation
日本電気株式会社
|
2,375 |
-32.3%
↓
151,055
|
1,138 | 223,255 | M |
|
Yamaguchi Finacial Group,Inc.
株式会社山口フィナンシャルグループ
|
1,450 |
825,440
|
670 | 825,440 | M |
|
Daiwa Securities Group Inc.
株式会社大和証券グループ本社
|
1,271 |
1,279,000
|
794 | 1,279,000 | M |
|
Sumitomo Realty & Development Co.,Ltd.
住友不動産株式会社
|
861 |
154,000
|
459 | 154,000 | M |
|
FINDEX Inc.
株式会社ファインデックス
|
678 |
967,200
|
665 | 967,200 | |
|
TOA CORPORATION
東亜建設工業株式会社
|
580 |
+300.0%
↑
447,200
|
296 | 111,800 | M |
|
Daiki Axis Co.,Ltd
株式会社ダイキアクシス
|
411 |
600,000
|
419 | 600,000 | |
|
DCM Holdings Co.,Ltd.
DCMホールディングス株式会社
|
383 |
-13.2%
↓
275,800
|
367 | 317,800 | M |
|
SHOEI FOODS CORPORATION
正栄食品工業株式会社
|
365 |
88,427
|
356 | 88,427 | M |
|
TACHIBANA ELETECH CO.,LTD.
株式会社立花エレテック
|
320 |
-49.4%
↓
133,210
|
523 | 263,210 | M |
|
Showa System Engineering Co., Ltd.
株式会社昭和システムエンジニアリング
|
247 |
180,000
|
170 | 180,000 | M |
|
Inui Global Logistics Co., Ltd.
乾汽船株式会社
|
237 |
-26.4%
↓
176,050
|
428 | 239,050 | M |
|
SEKI CO.,LTD.
セキ株式会社
|
219 |
164,500
|
227 | 164,500 | M |
|
Nankai Plywood Co., Ltd.
南海プライウッド株式会社
|
142 |
24,310
|
132 | 24,310 | M |
|
TOMATO BANK,LTD.
株式会社トマト銀行
|
100 |
83,000
|
84 | 83,000 | M |
|
Heiwa Paper Industry Co., Ltd.
平和紙業株式会社
|
88 |
198,000
|
79 | 198,000 | M |
|
CENTRAL GENERAL DEVELOPMENT CO.,LTD.
セントラル総合開発株式会社
|
43 |
96,000
|
54 | 96,000 | M |
|
OKUMURA CORPORATION
株式会社奥村組
|
— |
−100%
Exit
—
|
659 | 210,600 | M |
|
YONDOSHI HOLDINGS INC.
株式会社ヨンドシーホールディングス
|
— |
−100%
Exit
—
|
463 | 259,758 | M |
|
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ブリッジインターナショナル株式会社
|
— |
−100%
Exit
—
|
357 | 135,000 | M |
|
Sompo Holdings, Inc.
SOMPOホールディングス株式会社
|
— |
−100%
Exit
—
|
233 | 44,473 | M |
| 三井住友トラスト・ホールディングス株式会社 | — |
−100%
Exit
—
|
225 | 49,628 | M |
|
TOYO SECURITIES CO., LTD.
東洋証券株式会社
|
— |
−100%
Exit
—
|
50 | 160,000 | M |
|
SAYLOR ADVERTISING.INC.
セーラー広告株式会社
|
— |
−100%
Exit
—
|
10 | 35,000 | M |
| Portfolio total | 17,994 | 18,028 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding