8562
THE FUKUSHIMA BANK, LTD.
株式会社 福島銀行
Financial Services · Banks - Regional
The Fukushima Bank, Ltd. provides banking products and services in Japan. The company offers car, education, card, housing, apartment, renovation, tax accountant, and business loans, as well as reverse, unsecured, and consolidated plan mortgages; investment trusts; fixed deposits; and insurance products, including pension, life, variable, education, endowment, income protection, health and medical, pet, and automobile. It also provides web transfer acceptance; electronic money and smartphone payment; pay-easy account transfer; ATM; foreign currency exchange; corporate internet banking; cloud deposit and withdrawal management; and bank account transfer data transmission services. In addition, the company leases and purchases construction, machining, transportation, communication, office, home electrical, and medical equipment, as well as precision machinery and others. Further, it is involved in the credit card and credit guarantee activities; development, maintenance, and contracting of computer software; sale, brokerage, and rental of computers and related equipment and consumables; operation and contracting of computer systems; acquisition, holding, and sale of securities; and consulting and business matching services for investment target companies. The company serves individual and corporate customers. The Fukushima Bank, Ltd. was incorporated in 1922 and is headquartered in Fukushima, Japan.
Price
¥343
Market Cap
¥12.0B
Ent. Value
—
Net Cash
est
—
Shares Out.
34.9M
P / E
—
EV / EBIT
—
⚠ TSE Capital Mandate
P / Book
0.50×
P / NCAV
N/M
Div. Yield
1.46%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | — | ¥805.1B | ¥829.0B | ¥839.9B | ¥842.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | — | ¥10.0B | ¥9.5B | ¥9.3B | ¥9.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥296M | ¥302M | ¥244M | ¥277M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥321M | — | ¥329M | ¥334M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | — | ¥781.0B | ¥803.9B | ¥815.6B | ¥814.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥59M | ¥64M | ¥187M | ¥112M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥28M | ¥27M | ¥36M | ¥38M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | — | ¥24.1B | ¥25.1B | ¥24.3B | ¥27.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥19.6B | ¥18.7B | ¥18.7B | ¥18.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥2.8B | ¥1.8B | ¥1.8B | ¥1.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | — | ¥8.9B | ¥10.4B | ¥9.7B | ¥9.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-20M | ¥-20M | ¥-20M | ¥-19M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥-7.4B | ¥-6.0B | ¥-6.1B | ¥-2.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | — | ¥31.3B | ¥30.9B | ¥30.2B | ¥29.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥147M | ¥143M | ¥141M | ¥131M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥898 | ¥1,105 | ¥1,079 | ¥1,053 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | — | ¥-15.2B | ¥1.2B | ¥-7.4B | ¥13.2B |
| D&A | — | ¥593M | ¥538M | ¥614M | ¥660M |
| Investing CF | — | ¥-9.5B | ¥1.5B | ¥-6.5B | ¥-14.2B |
| CapEx | — | ¥1.3B | ¥636M | ¥200M | ¥267M |
| Financing CF | — | ¥1.8B | ¥-140M | ¥-140M | ¥-1M |
| Dividends Paid | — | ¥-139M | ¥-139M | ¥-139M | — |
| Share Buybacks | — | ¥0M | ¥0M | ¥0M | ¥0M |
| Free Cash Flow | — | ¥-16.5B | ¥548M | ¥-7.6B | ¥12.9B |
| Net Change in Cash | — | ¥-22.9B | ¥2.5B | ¥-14.0B | ¥-1.0B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | — | -5.1% | 3.5% | 3.4% | 2.9% |
| ROA | — | -0.2% | 0.1% | 0.1% | 0.1% |
| EPS | — | ¥-39.26 | ¥30.98 | ¥31.05 | ¥29.56 |
| DPS | — | ¥5.00 | ¥5.00 | ¥5.00 | ¥5.00 |
| BPS | — | ¥685.63 | ¥891.63 | ¥862.71 | ¥973.11 |
| FCF/Share | — | ¥-473 | ¥20 | ¥-273 | ¥462 |
| Payout Ratio | — | — | 16.1% | 16.1% | 16.9% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 7
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 | SBI地銀ホールディングス株式会社 | 11,900 | 34.12% |
| 2 |
Giken Holdings Co., Ltd.
技研ホールディングス株式会社
|
1,867 | 5.35% |
| 3 | 田中 偉嗣 | 949 | 2.72% |
| 4 |
Employee Stock Ownership Plan
福島銀行従業員持株会
|
943 | 2.70% |
| 5 |
Japan Custody Bank
株式会社日本カストディ銀行(信託口)
|
941 | 2.69% |
| 6 | 株式会社アラジン | 538 | 1.54% |
| 7 | 双葉不動産建設株式会社 | 520 | 1.49% |
| 8 | 石田 愼一 | 264 | 0.75% |
| 9 | 酒井 一 | 231 | 0.66% |
| 10 | 株式会社第一商事 | 210 | 0.60% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
2.7%
-7.0% 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
49.9%
+15.8% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 52.6% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| SBI地銀ホールディングス | 17.87% | 17.87% | 34.12% +16.25% | |
| Giken Holdings Co., Ltd. 技研ホールディングス | 5.00% | 5.00% | 5.35% +0.35% | |
| 田中 偉嗣 ↑ | — | 2.29% | 2.72% +0.43% | |
| Employee Stock Ownership Plan 福島銀行従業員持株会 | 2.97% | 3.20% | 2.70% -0.50% | |
| Japan Custody Bank 日本カストディ銀行 | 7.86% | 6.54% | 2.69% -3.85% | |
| 式会社アラジン ↑ | 1.92% | 1.92% | 1.54% -0.38% | |
| 双葉不動産建設 NEW ENTRY | 0.82% | — | 1.49% NEW | |
| 石田 愼一 NEW ENTRY | — | — | — | 0.75% NEW |
| 酒井 一 NEW ENTRY | — | — | — | 0.66% NEW |
| 式会社第一商事 NEW ENTRY | — | — | — | 0.60% 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 | 5.75% | 3.19% | — |
| MATSUI SECURITIES CO.,LTD. 松井証券 last seen 2024 | Exited Top 10 | 3.50% | 2.64% | — |
| Nomura Securities Co., Ltd. 野村證券 last seen 2024 | Exited Top 10 | — | 1.21% | — |
| BNY Mellon last seen 2023 | Exited Top 10 | 1.08% | — | — |
| Concentration (HHI) ⓘ | 466 | 425 | 1221 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥781M
-20% since 2023
Holdings
3
4 exited
Trend
1 unwinding
vs 2023
| Held Company | FY2025 ¥781M total | FY2023 ¥978M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
The Toho Bank, Ltd.
株式会社東邦銀行
|
747 |
2,098,607
|
455 | 2,098,607 | M |
|
Cocolonet CO., LTD.
こころネット株式会社
|
34 |
-74.1%
↓
35,000
|
133 | 135,000 | M |
| 株式会社アイダ設計 | — | — | M | ||
|
Joban Kosan Co.,Ltd.
常磐興産株式会社
|
— |
−100%
Exit
—
|
17 | 13,800 | M |
|
XEBIO HOLDINGS CO.,LTD.
ゼビオホールディングス株式会社
|
— |
−100%
Exit
—
|
318 | 303,420 | M |
|
Asaka Riken Co., Ltd.
株式会社アサカ理研
|
— |
−100%
Exit
—
|
28 | 20,000 | |
|
The Minami-Nippon Bank,Ltd.
株式会社南日本銀行
|
— |
−100%
Exit
—
|
27 | 42,500 | M |
| Portfolio total | 781 | 978 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding