# THE DAITO 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121期(2025/04/01－2026/03/31) (S100YHKN)
> Page: https://vizora.meequs.com/en/company/daito-bank
> Retrieved: 2026-09-30T22:21:08.051Z

## Company

THE Daito Bank, founded in 1942, is a company in Regional Banks listed on TSE Standard. It has 413 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE DAITO BANK, LTD. |
| Ticker | 8563 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8563.T) |
| Listing | TSE Standard |
| Head office | 福島県郡山市中町19番1号 |
| Representative (per filing) | 取締役会長兼社長 鈴木孝雄 |
| Founded | Aug 1942 |
| Employees (consolidated) | 413 |
| Average salary (parent only) | ¥5.7M |
| Fiscal year end | March |
| Corporate number | 7380001005689 |
| EDINET | E03674 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YHKN, filed 2026-06-23). As of filing

## Key points (generated from figures)

- About 91% of THE Daito Bank's ordinary revenue comes from Banking business, with Leasing business and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥16 is left as ordinary profit.
- Ordinary revenue changed +17.1% from the prior year, ordinary profit +23.6%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥15.5B |  |
| Ordinary income | ¥2.49B | Margin 16.1% |
| Net income | ¥1.68B | Margin 10.8% |
| Employees (consolidated) | 413 |  |
| EPS | ¥129.74 |  |
| Book value per share | ¥2184.42 |  |
| Equity ratio | 3.3% |  |
| Shares outstanding | 12,701,000 |  |
| Treasury shares | 28,200 |  |
| Shareholders | 7,986 |  |
| Average salary (parent only) | ¥5.7M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥13067000000 | ¥15499000000 | +18.6% |
| Employees | 496 people | 413 people | -16.7% |
| Cash and equivalents | ¥163511000000 | ¥34099000000 | -79.1% |

### 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 | 91.2% |
| 銀行業務 → 事業再編・廃止 | 0.3% |
| リース業務 → リース業務 | 6.2% |
| その他 → その他 | 1.8% |
| その他 → 事業再編・廃止 | 0.4% |
| 新設・再編 → リース業務 | 0.7% |

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 business | 5 years | +3.4% | ¥14146000000 | 17.1% | 2 |
| Leasing business | 5 years | +5.9% | ¥1074000000 | 4.4% | 2 |
| Other | 5 years | -0.8% | ¥284000000 | 8.5% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 15,499 | 100.0% | S100YHKN |
| Ordinary expenses | 13,006 | 83.9% | S100YHKN |
| Ordinary income | 2,493 | 16.1% | S100YHKN |
| Extraordinary income | 1 | 0.0% | S100YHKN |
| Extraordinary loss | 0 | 0.0% | S100YHKN |
| Pretax income | 2,493 | 16.1% | S100YHKN |
| Income tax | 800 | 5.2% | S100YHKN |
| Net income | 1,693 | 10.9% | S100YHKN |
| Net income attributable to owners | 1,680 | 10.8% | S100YHKN |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 84 |
| Ordinary income | 16 |
| (Ref.) Net income | 11 |

### Margin funnel

Ordinary margin 16.1% → Net margin 10.8%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +17.1%; Core profit growth: +23.6%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.38×
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 | 13,233 | 15,499 | 2,266 | +17.1% |
| Net income attributable to owners | 1,330 | 1,680 | 350 | +26.3% |
| Operating cash flow | -31,239 | -5,287 | 25,952 | — |
| Free cash flow | -31,493 | -5,869 | 25,624 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 13,948 | — | — | 1,462 | -3,266 | — | S100LNZJ |
| FY ending Mar 2018 | 13,576 | — | — | 1,298 | -15,481 | — | S100OFN6 |
| FY ending Mar 2019 | 12,564 | — | — | 1,246 | -21,118 | — | S100R2UI |
| FY ending Mar 2020 | 12,452 | — | — | 1,062 | -2,256 | -2,490 | S100LNZJ |
| FY ending Mar 2021 | 13,067 | — | — | 990 | 113,437 | 113,180 | S100OFN6 |
| FY ending Mar 2022 | 12,887 | — | — | 1,201 | -33,868 | -34,142 | S100R2UI |
| FY ending Mar 2023 | 13,023 | — | — | 1,283 | -92,826 | -93,416 | S100TONB |
| FY ending Mar 2024 | 13,579 | — | — | 1,255 | -9,113 | -10,176 | S100VYPZ |
| FY ending Mar 2025 | 13,233 | — | — | 1,330 | -31,239 | -31,493 | S100YHKN |
| FY ending Mar 2026 | 15,499 | — | — | 1,680 | -5,287 | -5,869 | S100YHKN |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥37.5M |
| Net income per employee (consolidated) | ¥4.1M |

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) | 473 | 445 | 428 | 419 | 413 |
| Average salary (parent company) | ¥4.9M | ¥5M | ¥5.1M | ¥5.3M | ¥5.7M |
| Average age (parent company) | 39.4 years | 39.4 years | 40.0 years | 40.6 years | 40.1 years |
| Average tenure (parent company) | 16.8 years | 16.7 years | 17.3 years | 17.8 years | 17.3 years |

Year over year: Employees (consolidated) -1.4% · Revenue (consolidated) +17.1%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking business | 14,146 | 91.2% | 2,420 | 17.1% |
| Leasing business | 1,074 | 6.9% | 47 | 4.4% |
| Other | 284 | 1.8% | 24 | 8.5% |

### 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 business | 91.2% |
| Leasing business | 6.9% |
| Other | 1.8% |

Segment → industry: Banking business → Regional Banks / Other → Credit Cards & Consumer Credit / Leasing business → 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 | -5,287 | -34.1% | S100YHKN |
| Capital expenditure | 582 | 3.8% | S100YHKN |
| Free cash flow | -5,869 | -37.9% | 算出 |
| Investing cash flow | 4,744 | 30.6% | S100YHKN |
| Financing cash flow | -387 | -2.5% | S100YHKN |
| Dividends paid | 401 | 2.6% | S100YHKN |
| Share buyback | 0 | 0.0% | S100YHKN |
| Change in cash | -930 | -6.0% | S100YHKN |
| Cash and equivalents | 34,099 | 220.0% | S100YHKN |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 株式会社東邦銀行 | Major shareholder | 19.6% | 2026-03-31 |
| 大東銀行行員持株会 | Major shareholder | 4.3% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 2.7% | 2026-03-31 |
| 日本証券金融株式会社 | Major shareholder | 1.8% | 2026-03-31 |
| THE BANK OF NEW YORK MELLON 140044 （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 |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 1.3% | 2026-03-31 |
| さわやか商事株式会社 | Major shareholder | 1.3% | 2026-03-31 |
| 損害保険ジャパン株式会社 | Major shareholder | 1.2% | 2026-03-31 |
| 野村信託銀行株式会社（投信口） | Major shareholder | 1.2% | 2026-03-31 |
| バリューアップ２号ファンド投資事業有限責任組合 | Major shareholder | 1.1% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第121期(2025/04/01－2026/03/31) | S100YHKN | 2026-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YHKN,, |
| 有価証券報告書－第120期(2024/04/01－2025/03/31) | S100VYPZ | 2025-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100VYPZ,, |
| 有価証券報告書－第119期(2023/04/01－2024/03/31) | S100TONB | 2024-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TONB,, |
| 有価証券報告書－第118期(2022/04/01－2023/03/31) | S100R2UI | 2023-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R2UI,, |
| 有価証券報告書－第117期(令和3年4月1日－令和4年3月31日) | S100OFN6 | 2022-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OFN6,, |
| 有価証券報告書－第116期(令和2年4月1日－令和3年3月31日) | S100LNZJ | 2021-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LNZJ,, |

## 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).