# The Fukui 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206期(2025/04/01－2026/03/31) (S100YFJC)
> Page: https://vizora.meequs.com/en/company/fukui-bank
> Retrieved: 2026-09-30T20:27:03.231Z

## Company

The Fukui Bank, founded in 1899, is a company in Regional Banks listed on TSE Prime. It has 1,732 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Fukui Bank, Ltd. |
| Ticker | 8362 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8362.T) |
| Listing | TSE Prime |
| Head office | 福井市順化1丁目1番1号 |
| Representative (per filing) | 代表執行役頭取 長谷川英一 |
| Founded | Dec 1899 |
| Employees (consolidated) | 1,732 |
| Average salary (parent only) | ¥6M |
| Fiscal year end | March |
| Website | www.fukuibank.co.jp (https://www.fukuibank.co.jp/) |
| Corporate number | 9210001003641 |
| EDINET | E03567 |
| Industries (Vizora) | Regional Banks |

> Profile source: annual securities report (S100YFJC, filed 2026-06-23). As of filing

## Key points (generated from figures)

- The Fukui Bank brought in ¥79.1B in ordinary revenue.
- Out of every ¥100 of ordinary revenue, about ¥17 is left as ordinary profit.
- Ordinary revenue changed +22.9% from the prior year, ordinary profit +54.4%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥79.1B |  |
| Ordinary income | ¥13.4B | Margin 17.0% |
| Net income | ¥8.6B | Margin 10.9% |
| Employees (consolidated) | 1,732 |  |
| EPS | ¥445.4 |  |
| Book value per share | ¥5791.28 |  |
| Equity ratio | 3.5% |  |
| Shares outstanding | 24,144,000 |  |
| Treasury shares | 54,200 |  |
| Shareholders | 10,102 |  |
| Average salary (parent only) | ¥6M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥41883000000 | ¥79101000000 | +88.9% |
| Employees | 1,448 people | 1,732 people | +19.6% |
| Cash and equivalents | ¥903247000000 | ¥799949000000 | -11.4% |

### 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 → 事業再編・廃止 | 82.5% |
| リース業 → 事業再編・廃止 | 16.7% |
| その他 → 事業再編・廃止 | 0.7% |

Segment revenue source references: 3 (derived)

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 79,101 | 100.0% | S100YFJC |
| Ordinary expenses | 65,666 | 83.0% | S100YFJC |
| Ordinary income | 13,434 | 17.0% | S100YFJC |
| Extraordinary income | 31 | 0.0% | S100YFJC |
| Extraordinary loss | 429 | 0.5% | S100YFJC |
| Pretax income | 13,036 | 16.5% | S100YFJC |
| Income tax | 4,419 | 5.6% | S100YFJC |
| Net income | 8,616 | 10.9% | S100YFJC |
| Net income attributable to owners | 8,601 | 10.9% | S100YFJC |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 83 |
| Ordinary income | 17 |
| (Ref.) Net income | 11 |

### Margin funnel

Ordinary margin 17.0% → Net margin 10.9%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +22.9%; Core profit growth: +54.4%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 2.38×
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 | 64,366 | 79,101 | 14,735 | +22.9% |
| Net income attributable to owners | 7,166 | 8,601 | 1,435 | +20.0% |
| Operating cash flow | 112,072 | -50,592 | -162,664 | -145.1% |
| Free cash flow | 110,846 | -51,749 | -162,595 | -146.7% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 44,683 | — | — | 4,184 | 139,793 | — | S100LYWY |
| FY ending Mar 2018 | 43,982 | — | — | 3,927 | 27,855 | — | S100PBO5 |
| FY ending Mar 2019 | 41,599 | — | — | 3,158 | 87,125 | — | S100R357 |
| FY ending Mar 2020 | 40,729 | — | — | 2,140 | 99,866 | 96,513 | S100LYWY |
| FY ending Mar 2021 | 41,883 | — | — | 2,553 | 483,845 | 479,267 | S100PBO5 |
| FY ending Mar 2022 | 45,790 | — | — | 4,440 | 186,537 | 185,696 | S100R357 |
| FY ending Mar 2023 | 54,897 | — | — | 1,803 | -258,764 | -260,247 | S100U2ZI |
| FY ending Mar 2024 | 55,423 | — | — | 3,717 | 30,377 | 28,277 | S100WQLR |
| FY ending Mar 2025 | 64,366 | — | — | 7,166 | 112,072 | 110,846 | S100YFJC |
| FY ending Mar 2026 | 79,101 | — | — | 8,601 | -50,592 | -51,749 | S100YFJC |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥45.7M |
| Net income per employee (consolidated) | ¥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) | 1,806 | 1,782 | 1,770 | 1,741 | 1,732 |
| Average salary (parent company) | ¥5.5M | ¥5.5M | ¥5.3M | ¥5.5M | ¥6M |
| Average age (parent company) | 40.4 years | 41.4 years | 41.6 years | 41.7 years | 41.6 years |
| Average tenure (parent company) | 16.1 years | 16.5 years | 16.1 years | 16.1 years | 16.0 years |

Year over year: Employees (consolidated) -0.5% · Revenue (consolidated) +22.9%

## 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 | -50,592 | -64.0% | S100YFJC |
| Capital expenditure | 1,157 | 1.5% | S100YFJC |
| Free cash flow | -51,749 | -65.4% | 算出 |
| Investing cash flow | -19,064 | -24.1% | S100YFJC |
| Financing cash flow | -1,588 | -2.0% | S100YFJC |
| Dividends paid | 1,492 | 1.9% | S100YFJC |
| Share buyback | 302 | 0.4% | S100YFJC |
| Change in cash | -71,245 | -90.1% | S100YFJC |
| Cash and equivalents | 799,949 | 1011.3% | S100YFJC |

## 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 | 8.2% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 4.1% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 3.4% | 2026-03-31 |
| 住友生命保険相互会社 | Major shareholder | 3.2% | 2026-03-31 |
| 福井銀行職員持株会 | Major shareholder | 2.6% | 2026-03-31 |
| 株式会社クスリのアオキ | Major shareholder | 2.3% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 2.3% | 2026-03-31 |
| ＱＲファンド投資事業有限責任組合 | Major shareholder | 2.1% | 2026-03-31 |
| 株式会社ＤＳＧ１ | Major shareholder | 1.5% | 2026-03-31 |
| 轟産業株式会社 | Major shareholder | 1.4% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第206期(2025/04/01－2026/03/31) | S100YFJC | 2026-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YFJC,, |
| 訂正有価証券報告書－第205期(2024/04/01－2025/03/31) | S100WQLR | 2025-09-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100WQLR,, |
| 訂正有価証券報告書－第204期(2023/04/01－2024/03/31) | S100U2ZI | 2024-07-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100U2ZI,, |
| 有価証券報告書－第203期(2022/04/01－2023/03/31) | S100R357 | 2023-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R357,, |
| 訂正有価証券報告書－第202期(令和3年4月1日－令和4年3月31日) | S100PBO5 | 2022-10-12 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100PBO5,, |
| 訂正有価証券報告書－第201期(令和2年4月1日－令和3年3月31日) | S100LYWY | 2021-07-09 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LYWY,, |

## 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).