# The Chikuho 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102期(2025/04/01－2026/03/31) (S100YE9H)
> Page: https://vizora.meequs.com/en/company/chikuho-bank
> Retrieved: 2026-09-30T20:31:38.273Z

## Company

The Chikuho Bank, founded in 1952, is a company in Regional Banks listed on Fukuoka. It has 554 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Chikuho Bank, Ltd. |
| Ticker | 8398 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8398.T) |
| Listing | Fukuoka |
| Head office | 福岡県久留米市諏訪野町2456番地の1 |
| Representative (per filing) | 取締役頭取 鶴久博幸 |
| Founded | Dec 1952 |
| Employees (consolidated) | 554 |
| Average salary (parent only) | ¥5.5M |
| Fiscal year end | March |
| Website | www.chikugin.co.jp (https://www.chikugin.co.jp/) |
| Corporate number | 6290001049168 |
| EDINET | E03592 |
| Industries (Vizora) | Regional Banks, Leasing |

> Profile source: annual securities report (S100YE9H, filed 2026-06-22). As of filing

## Key points (generated from figures)

- About 73% of The Chikuho 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 ¥6 is left as ordinary profit.
- Ordinary revenue changed +34.3% from the prior year, ordinary profit +29.1%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥25.8B |  |
| Ordinary income | ¥1.49B | Margin 5.8% |
| Net income | ¥1.15B | Margin 4.5% |
| Employees (consolidated) | 554 |  |
| EPS | ¥186.63 |  |
| Book value per share | ¥5924.06 |  |
| Equity ratio | 4.0% |  |
| Shares outstanding | 6,249,000 |  |
| Treasury shares | 261,600 |  |
| Shareholders | 3,160 |  |
| Average salary (parent only) | ¥5.5M | Filing company only |

## Notable figures

- FY2026, operating cash flow is 16.0× net income
- FY2026, buybacks were 1.2× dividends

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥17658000000 | ¥25754000000 | +45.8% |
| Employees | 549 people | 554 people | +0.9% |
| Cash and equivalents | ¥67961000000 | ¥82235000000 | +21.0% |

### 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 | 65.4% |
| リース業 → リース業 | 26.3% |
| リース業 → 事業再編・廃止 | 7.9% |
| その他 → その他 | 0.4% |
| 新設・再編 → 銀行業 | 7.9% |
| 新設・再編 → その他 | 0.0% |

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 | +10.3% | ¥18864000000 | 7.1% | 2 |
| Leasing | 5 years | +2.3% | ¥6773000000 | 2.2% | 2 |
| Other | 5 years | +9.4% | ¥116000000 | 89.7% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 25,754 | 100.0% | S100YE9H |
| Ordinary expenses | 24,266 | 94.2% | S100YE9H |
| Ordinary income | 1,487 | 5.8% | S100YE9H |
| Extraordinary income | 101 | 0.4% | S100YE9H |
| Extraordinary loss | 4 | 0.0% | S100YE9H |
| Pretax income | 1,585 | 6.2% | S100YE9H |
| Income tax | 396 | 1.5% | S100YE9H |
| Net income | 1,189 | 4.6% | S100YE9H |
| Net income attributable to owners | 1,151 | 4.5% | S100YE9H |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 94 |
| Ordinary income | 6 |
| (Ref.) Net income | 4 |

### Margin funnel

Ordinary margin 5.8% → Net margin 4.5%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +34.3%; Core profit growth: +29.1%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.85×
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 | 19,173 | 25,754 | 6,581 | +34.3% |
| Net income attributable to owners | 980 | 1,151 | 171 | +17.4% |
| Operating cash flow | 11,390 | 18,411 | 7,021 | +61.6% |
| Free cash flow | 10,229 | 18,127 | 7,898 | +77.2% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 17,934 | — | — | 986 | 2,762 | — | S100LR36 |
| FY ending Mar 2018 | 19,115 | — | — | 1,226 | -8,902 | — | S100OJ2B |
| FY ending Mar 2019 | 18,107 | — | — | 835 | -3,102 | — | S100R79O |
| FY ending Mar 2020 | 18,389 | — | — | 800 | -18,394 | -18,785 | S100LR36 |
| FY ending Mar 2021 | 17,658 | — | — | 1,169 | 48,558 | 48,250 | S100OJ2B |
| FY ending Mar 2022 | 17,268 | — | — | 563 | 29,298 | 28,745 | S100R79O |
| FY ending Mar 2023 | 17,290 | — | — | 603 | -51,682 | -52,519 | S100TU37 |
| FY ending Mar 2024 | 18,023 | — | — | 1,056 | 8,662 | 8,137 | S100W12M |
| FY ending Mar 2025 | 19,173 | — | — | 980 | 11,390 | 10,229 | S100YE9H |
| FY ending Mar 2026 | 25,754 | — | — | 1,151 | 18,411 | 18,127 | S100YE9H |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥46.5M |
| Net income per employee (consolidated) | ¥2.1M |

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) | 553 | 565 | 566 | 551 | 554 |
| Average salary (parent company) | ¥5.2M | ¥5.3M | ¥5.3M | ¥5.3M | ¥5.5M |
| Average age (parent company) | 37.9 years | 37.8 years | 38.0 years | 38.2 years | 37.7 years |
| Average tenure (parent company) | 15.6 years | 15.5 years | 15.8 years | 16.0 years | 15.3 years |

Year over year: Employees (consolidated) +0.5% · Revenue (consolidated) +34.3%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 18,864 | 73.2% | 1,332 | 7.1% |
| Leasing | 6,773 | 26.3% | 152 | 2.2% |
| Other | 116 | 0.5% | 104 | 89.7% |

### 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 | 73.2% |
| Leasing | 26.3% |
| Other | 0.5% |

Segment → industry: Banking → Regional Banks / 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 | 18,411 | 71.5% | S100YE9H |
| Capital expenditure | 284 | 1.1% | S100YE9H |
| Free cash flow | 18,127 | 70.4% | 算出 |
| Investing cash flow | 839 | 3.3% | S100YE9H |
| Financing cash flow | -634 | -2.5% | S100YE9H |
| Dividends paid | 303 | 1.2% | S100YE9H |
| Share buyback | 358 | 1.4% | S100YE9H |
| Change in cash | 18,616 | 72.3% | S100YE9H |
| Cash and equivalents | 82,235 | 319.3% | S100YE9H |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 筑邦銀行従業員持株会 | Major shareholder | 4.5% | 2026-03-31 |
| みずほ信託銀行株式会社 退職給付信託 九州電力口及び九州電力送配電口 再信託受託者 株式会社日本カストディ銀行 | Major shareholder | 2.7% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託Ｅ口) | Major shareholder | 2.4% | 2026-03-31 |
| 久光製薬株式会社 | Major shareholder | 2.4% | 2026-03-31 |
| 西日本鉄道株式会社 | Major shareholder | 2.3% | 2026-03-31 |
| 株式会社安川電機 | Major shareholder | 2.3% | 2026-03-31 |
| 株式会社クラフティア | Major shareholder | 2.2% | 2026-03-31 |
| Ｋ. ホールディングス株式会社 | Major shareholder | 2.0% | 2026-03-31 |
| 福岡ひびき信用金庫 | Major shareholder | 1.5% | 2026-03-31 |
| 米城ビルディング株式会社 | Major shareholder | 1.5% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第102期(2025/04/01－2026/03/31) | S100YE9H | 2026-06-22 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YE9H,, |
| 有価証券報告書－第101期(2024/04/01－2025/03/31) | S100W12M | 2025-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W12M,, |
| 有価証券報告書－第100期(2023/04/01－2024/03/31) | S100TU37 | 2024-06-27 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TU37,, |
| 有価証券報告書－第99期(2022/04/01－2023/03/31) | S100R79O | 2023-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R79O,, |
| 有価証券報告書－第98期(令和3年4月1日－令和4年3月31日) | S100OJ2B | 2022-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OJ2B,, |
| 有価証券報告書－第97期(令和2年4月1日－令和3年3月31日) | S100LR36 | 2021-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LR36,, |

## 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).