# THE AKITA BANK,LTD.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第123期(2025/04/01－2026/03/31) (S100YATN)
> Page: https://vizora.meequs.com/en/company/akita-bank
> Retrieved: 2026-09-30T21:12:59.672Z

## Company

THE Akita Bank, founded in 1941, is a company in Regional Banks listed on TSE Prime. It has 1,175 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE AKITA BANK, LTD. |
| Ticker | 8343 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8343.T) |
| Listing | TSE Prime |
| Head office | 秋田市山王三丁目2番1号 |
| Representative (per filing) | 取締役頭取 芦田 晃輔 |
| Founded | Oct 1941 |
| Employees (consolidated) | 1,175 |
| Average salary (parent only) | ¥6.8M |
| Fiscal year end | March |
| Website | www.akita-bank.co.jp (https://www.akita-bank.co.jp/) |
| Corporate number | 1410001000221 |
| EDINET | E03546 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YATN, filed 2026-06-15). As of filing

## Key points (generated from figures)

- About 90% of THE Akita Bank's ordinary revenue comes from Banking, with Leasing and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥18 is left as ordinary profit.
- Ordinary revenue changed +16.9% from the prior year, ordinary profit +23.3%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥61.1B |  |
| Ordinary income | ¥11.2B | Margin 18.4% |
| Net income | ¥7.69B | Margin 12.6% |
| Employees (consolidated) | 1,175 |  |
| EPS | ¥441.27 |  |
| Book value per share | ¥9067.48 |  |
| Equity ratio | 4.9% |  |
| Shares outstanding | 18,093,000 |  |
| Treasury shares | 114,100 |  |
| Shareholders | 9,559 |  |
| Average salary (parent only) | ¥6.8M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥43517000000 | ¥61062000000 | +40.3% |
| Employees | 1,337 people | 1,175 people | -12.1% |
| Cash and equivalents | ¥781978000000 | ¥366718000000 | -53.1% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業務 → 銀行業務 | 87.5% |
| リース業務 → リース業務 | 8.7% |
| リース業務 → 事業再編・廃止 | 2.0% |
| その他の業務 → 事業再編・廃止 | 1.8% |
| 新設・再編 → 銀行業務 | 2.2% |
| 新設・再編 → その他 | 1.6% |

Segment revenue source references: 6 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking | 5 years | +7.6% | ¥54901000000 | 20.6% | 2 |
| Leasing | 5 years | +2.7% | ¥5321000000 | 3.5% | 2 |
| Other | 4 years | +5.1% | ¥963000000 | 19.3% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 61,062 | 100.0% | S100YATN |
| Ordinary expenses | 49,815 | 81.6% | S100YATN |
| Ordinary income | 11,246 | 18.4% | S100YATN |
| Extraordinary income | 1 | 0.0% | S100YATN |
| Extraordinary loss | 546 | 0.9% | S100YATN |
| Pretax income | 10,702 | 17.5% | S100YATN |
| Income tax | 2,987 | 4.9% | S100YATN |
| Net income | 7,714 | 12.6% | S100YATN |
| Net income attributable to owners | 7,692 | 12.6% | S100YATN |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 82 |
| Ordinary income | 18 |
| (Ref.) Net income | 13 |

### Margin funnel

Ordinary margin 18.4% → Net margin 12.6%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +16.9%; Core profit growth: +23.3%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.37×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 52,214 | 61,062 | 8,848 | +16.9% |
| Net income attributable to owners | 5,662 | 7,692 | 2,030 | +35.9% |
| Operating cash flow | -130,487 | -63,397 | 67,090 | — |
| Free cash flow | -131,755 | -64,424 | 67,331 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 47,450 | — | — | 4,741 | -48,953 | — | S100LQ3C |
| FY ending Mar 2018 | 47,489 | — | — | 4,733 | 98,620 | — | S100OGFE |
| FY ending Mar 2019 | 45,163 | — | — | 4,142 | -94,679 | — | S100R5AR |
| FY ending Mar 2020 | 46,388 | — | — | 3,128 | 79,333 | 77,608 | S100LQ3C |
| FY ending Mar 2021 | 43,517 | — | — | 2,716 | 210,896 | 210,313 | S100OGFE |
| FY ending Mar 2022 | 39,730 | — | — | 3,184 | 203,306 | 201,388 | S100R5AR |
| FY ending Mar 2023 | 46,861 | — | — | 3,295 | -167,139 | -168,112 | S100TP2X |
| FY ending Mar 2024 | 42,734 | — | — | 4,541 | -52,386 | -53,549 | S100W1T2 |
| FY ending Mar 2025 | 52,214 | — | — | 5,662 | -130,487 | -131,755 | S100YATN |
| FY ending Mar 2026 | 61,062 | — | — | 7,692 | -63,397 | -64,424 | S100YATN |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥52M |
| Net income per employee (consolidated) | ¥6.5M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 1,327 | 1,267 | 1,234 | 1,222 | 1,175 |
| Average salary (parent company) | ¥6.2M | ¥6.2M | ¥6.2M | ¥6.4M | ¥6.8M |
| Average age (parent company) | 39.7 years | 40.2 years | 40.5 years | 40.7 years | 41.2 years |
| Average tenure (parent company) | 17.0 years | 17.6 years | 17.8 years | 17.8 years | 18.3 years |

Year over year: Employees (consolidated) -3.8% · Revenue (consolidated) +16.9%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 54,901 | 89.7% | 11,284 | 20.6% |
| Leasing | 5,321 | 8.7% | 188 | 3.5% |
| Other | 963 | 1.6% | 186 | 19.3% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking | 89.7% |
| Leasing | 8.7% |
| Other | 1.6% |

Segment → industry: Banking → Regional Banks / Other → Credit Cards & Consumer Credit / Leasing → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -63,397 | -103.8% | S100YATN |
| Capital expenditure | 1,027 | 1.7% | S100YATN |
| Free cash flow | -64,424 | -105.5% | 算出 |
| Investing cash flow | -31,402 | -51.4% | S100YATN |
| Financing cash flow | -2,331 | -3.8% | S100YATN |
| Dividends paid | 2,425 | 4.0% | S100YATN |
| Share buyback | 122 | 0.2% | S100YATN |
| Change in cash | -97,131 | -159.1% | S100YATN |
| Cash and equivalents | 366,718 | 600.6% | S100YATN |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 8.5% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 4.6% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 4.5% | 2026-03-31 |
| 秋田銀行職員持株会 | Major shareholder | 4.3% | 2026-03-31 |
| モルガン・スタンレーＭＵＦＧ証券株式会社 | Major shareholder | 2.5% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 2.4% | 2026-03-31 |
| 住友生命保険相互会社 | Major shareholder | 1.9% | 2026-03-31 |
| JP MORGAN CHASE BANK 385781 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.3% | 2026-03-31 |
| 株式会社十文字チキンカンパニー | Major shareholder | 1.2% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505001 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.0% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第123期(2025/04/01－2026/03/31) | S100YATN | 2026-06-15 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YATN,, |
| 有価証券報告書－第122期(2024/04/01－2025/03/31) | S100W1T2 | 2025-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W1T2,, |
| 有価証券報告書－第121期(2023/04/01－2024/03/31) | S100TP2X | 2024-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TP2X,, |
| 有価証券報告書－第120期(2022/04/01－2023/03/31) | S100R5AR | 2023-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R5AR,, |
| 有価証券報告書－第119期(令和3年4月1日－令和4年3月31日) | S100OGFE | 2022-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OGFE,, |
| 有価証券報告書－第118期(令和2年4月1日－令和3年3月31日) | S100LQ3C | 2021-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LQ3C,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).