# THE BANK OF KOCHI,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146期(2025/04/01－2026/03/31) (S100YJZJ)
> Page: https://vizora.meequs.com/en/company/bank-of-kochi
> Retrieved: 2026-09-30T21:23:08.900Z

## Company

THE Bank of Kochi, founded in 1930, is a company in Regional Banks listed on TSE Standard. It has 724 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE BANK OF KOCHI,LTD. |
| Ticker | 8416 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8416.T) |
| Listing | TSE Standard |
| Head office | 高知県高知市堺町2番24号 |
| Representative (per filing) | 取締役頭取 河合 祐子 |
| Founded | Jan 1930 |
| Employees (consolidated) | 724 |
| Average salary (parent only) | ¥5.8M |
| Fiscal year end | March |
| Website | www.kochi-bank.co.jp (https://www.kochi-bank.co.jp/) |
| Corporate number | 4490001000608 |
| EDINET | E03664 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YJZJ, filed 2026-06-25). As of filing

## Key points (generated from figures)

- About 77% of THE Bank of Kochi's ordinary revenue comes from Banking, with Leasing industry and Credit card business making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥5 is left as ordinary profit.
- Ordinary revenue changed +20.9% from the prior year, ordinary profit +12.7%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥28.4B |  |
| Ordinary income | ¥1.38B | Margin 4.9% |
| Net income | ¥596M | Margin 2.1% |
| Employees (consolidated) | 724 |  |
| EPS | ¥37.93 |  |
| Diluted EPS | ¥26.96 |  |
| Book value per share | ¥3587.77 |  |
| Equity ratio | 4.0% |  |
| Shares outstanding | 10,244,000 |  |
| Treasury shares | 52,000 |  |
| Shareholders | 5,399 |  |
| Average salary (parent only) | ¥5.8M | Filing company only |

## Notable figures

- FY2026, operating cash flow is 38.4× net income

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥22904000000 | ¥28379000000 | +23.9% |
| Employees | 802 people | 724 people | -9.7% |
| Cash and equivalents | ¥160060000000 | ¥97950000000 | -38.8% |

### 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 → 銀行業 | 76.6% |
| 銀行業 → 事業再編・廃止 | 2.1% |
| リース業 → リース業 | 19.8% |
| クレジットカード業 → クレジットカード業 | 1.4% |
| クレジットカード業 → 事業再編・廃止 | 0.0% |
| 新設・再編 → リース業 | 2.2% |

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 | +3.8% | ¥21743000000 | 5.2% | 2 |
| Leasing industry | 5 years | +6.6% | ¥6248000000 | 3.9% | 2 |
| Credit card business | 5 years | +4.0% | ¥386000000 | 3.4% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 28,379 | 100.0% | S100YJZJ |
| Ordinary expenses | 26,998 | 95.1% | S100YJZJ |
| Ordinary income | 1,380 | 4.9% | S100YJZJ |
| Extraordinary income | 0 | 0.0% | S100YJZJ |
| Extraordinary loss | 100 | 0.4% | S100YJZJ |
| Pretax income | 1,280 | 4.5% | S100YJZJ |
| Income tax | 575 | 2.0% | S100YJZJ |
| Net income | 704 | 2.5% | S100YJZJ |
| Net income attributable to owners | 596 | 2.1% | S100YJZJ |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 95 |
| Ordinary income | 5 |
| (Ref.) Net income | 2 |

### Margin funnel

Ordinary margin 4.9% → Net margin 2.1%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +20.9%; Core profit growth: +12.7%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.61×
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 | 23,479 | 28,379 | 4,900 | +20.9% |
| Net income attributable to owners | 860 | 596 | -264 | -30.7% |
| Operating cash flow | 25,860 | 22,893 | -2,967 | -11.5% |
| Free cash flow | 25,314 | 21,625 | -3,689 | -14.6% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 24,155 | — | — | 2,206 | 26,874 | — | S100LRBW |
| FY ending Mar 2018 | 23,551 | — | — | 1,747 | 19,187 | — | S100OKEM |
| FY ending Mar 2019 | 23,185 | — | — | 964 | -20,315 | — | S100R698 |
| FY ending Mar 2020 | 22,985 | — | — | 1,354 | 18,194 | 17,734 | S100LRBW |
| FY ending Mar 2021 | 22,904 | — | — | 877 | 80,494 | 79,322 | S100OKEM |
| FY ending Mar 2022 | 22,099 | — | — | 1,606 | -34,283 | -35,055 | S100R698 |
| FY ending Mar 2023 | 23,080 | — | — | 1,601 | -31,976 | -32,967 | S100TSXI |
| FY ending Mar 2024 | 22,990 | — | — | 1,251 | -22,071 | -23,696 | S100W2YX |
| FY ending Mar 2025 | 23,479 | — | — | 860 | 25,860 | 25,314 | S100YJZJ |
| FY ending Mar 2026 | 28,379 | — | — | 596 | 22,893 | 21,625 | S100YJZJ |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥39.2M |
| Net income per employee (consolidated) | ¥823.2K |

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) | 770 | 746 | 726 | 721 | 724 |
| Average salary (parent company) | ¥5.4M | ¥5.4M | ¥5.7M | ¥5.9M | ¥5.8M |
| Average age (parent company) | 41.0 years | 41.0 years | 40.9 years | 40.7 years | 40.0 years |
| Average tenure (parent company) | 18.0 years | 17.8 years | 17.5 years | 17.1 years | 16.4 years |

Year over year: Employees (consolidated) +0.4% · Revenue (consolidated) +20.9%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 21,743 | 76.6% | 1,123 | 5.2% |
| Leasing industry | 6,248 | 22.0% | 246 | 3.9% |
| Credit card business | 386 | 1.4% | 13 | 3.4% |

### 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 | 76.6% |
| Leasing industry | 22.0% |
| Credit card business | 1.4% |

Segment → industry: Banking → Regional Banks / Credit card business → Credit Cards & Consumer Credit / Leasing industry → 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 | 22,893 | 80.7% | S100YJZJ |
| Capital expenditure | 1,268 | 4.5% | S100YJZJ |
| Free cash flow | 21,625 | 76.2% | 算出 |
| Investing cash flow | -18,907 | -66.6% | S100YJZJ |
| Financing cash flow | -342 | -1.2% | S100YJZJ |
| Dividends paid | 373 | 1.3% | S100YJZJ |
| Share buyback | 0 | 0.0% | S100YJZJ |
| Change in cash | 3,643 | 12.8% | S100YJZJ |
| Cash and equivalents | 97,950 | 345.1% | S100YJZJ |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 技研ホールディングス株式会社 | Major shareholder | 14.9% | 2026-03-31 |
| 高知銀行持株会 | Major shareholder | 4.0% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 2.5% | 2026-03-31 |
| 信和建設株式会社 | Major shareholder | 2.2% | 2026-03-31 |
| 株式会社ヨンキュウ | Major shareholder | 1.9% | 2026-03-31 |
| 四国総合信用株式会社 | Major shareholder | 1.9% | 2026-03-31 |
| 株式会社技研製作所 | Major shareholder | 1.8% | 2026-03-31 |
| ＤＯＳＯ株式会社 | Major shareholder | 1.2% | 2026-03-31 |
| 株式会社豊和銀行 | Major shareholder | 0.9% | 2026-03-31 |
| 損害保険ジャパン株式会社 | Major shareholder | 0.9% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第146期(2025/04/01－2026/03/31) | S100YJZJ | 2026-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YJZJ,, |
| 有価証券報告書－第145期(2024/04/01－2025/03/31) | S100W2YX | 2025-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W2YX,, |
| 有価証券報告書－第144期(2023/04/01－2024/03/31) | S100TSXI | 2024-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TSXI,, |
| 有価証券報告書－第143期(2022/04/01－2023/03/31) | S100R698 | 2023-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R698,, |
| 有価証券報告書－第142期(令和3年4月1日－令和4年3月31日) | S100OKEM | 2022-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OKEM,, |
| 有価証券報告書－第141期(令和2年4月1日－令和3年3月31日) | S100LRBW | 2021-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LRBW,, |

## 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).