# THE FUKUSHIMA 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160期(2025/04/01－2026/03/31) (S100YCO6)
> Page: https://vizora.meequs.com/en/company/fukushima-bank
> Retrieved: 2026-09-30T21:55:53.882Z

## Company

THE Fukushima Bank, founded in 1922, is a company in Regional Banks listed on TSE Standard. It has 460 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE FUKUSHIMA BANK, LTD. |
| Ticker | 8562 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8562.T) |
| Listing | TSE Standard |
| Head office | 福島県福島市万世町2番5号 |
| Representative (per filing) | 取締役社長 鈴木岳伯 |
| Founded | Nov 1922 |
| Employees (consolidated) | 460 |
| Average salary (parent only) | ¥5.3M |
| Fiscal year end | March |
| Website | www.fukushimabank.co.jp (https://www.fukushimabank.co.jp/) |
| Corporate number | 4380001001393 |
| EDINET | E03637 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YCO6, filed 2026-06-18). As of filing

## Key points (generated from figures)

- About 84% of THE Fukushima Bank's ordinary revenue comes from Banking, with Leasing and Credit card,credit guarantee making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥5 is left as ordinary profit.
- Ordinary revenue changed +13.1% from the prior year, and it swung back to an ordinary profit.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥15.2B |  |
| Ordinary income | ¥687M | Margin 4.5% |
| Net income | ¥736M | Margin 4.9% |
| Employees (consolidated) | 460 |  |
| EPS | ¥21.97 |  |
| Book value per share | ¥633.11 |  |
| Equity ratio | 3.0% |  |
| Shares outstanding | 34,900,000 |  |
| Treasury shares | 27,900 |  |
| Shareholders | 13,854 |  |
| Average salary (parent only) | ¥5.3M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥13314000000 | ¥15175000000 | +14.0% |
| Employees | 528 people | 460 people | -12.9% |
| Cash and equivalents | ¥90436000000 | ¥31012000000 | -65.7% |

### 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 | 83.6% |
| リース業 → リース業 | 14.9% |
| リース業 → 事業再編・廃止 | 0.4% |
| クレジットカード業・信用保証業 → クレジットカード業・信用保証業 | 0.8% |
| クレジットカード業・信用保証業 → 事業再編・廃止 | 0.4% |
| 新設・再編 → 銀行業 | 0.8% |

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 | +2.8% | ¥12799000000 | 4.8% | 2 |
| Leasing | 5 years | +2.1% | ¥2260000000 | 3.1% | 2 |
| Credit card,credit guarantee | 5 years | -5.3% | ¥116000000 | 0.0% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 15,175 | 100.0% | S100YCO6 |
| Ordinary expenses | 14,488 | 95.5% | S100YCO6 |
| Ordinary income | 687 | 4.5% | S100YCO6 |
| Extraordinary income | 78 | 0.5% | S100YCO6 |
| Extraordinary loss | 52 | 0.3% | S100YCO6 |
| Pretax income | 713 | 4.7% | S100YCO6 |
| Income tax | -29 | -0.2% | S100YCO6 |
| Net income | 742 | 4.9% | S100YCO6 |
| Net income attributable to owners | 736 | 4.9% | S100YCO6 |

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

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

### Margin funnel

Ordinary margin 4.5% → Net margin 4.9%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Turned profitable
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 | 13,417 | 15,175 | 1,758 | +13.1% |
| Net income attributable to owners | -1,252 | 736 | 1,988 | — |
| Operating cash flow | -15,199 | -23,138 | -7,939 | — |
| Free cash flow | -16,548 | -23,354 | -6,806 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 14,497 | — | — | 1,264 | -11,859 | — | S100LKBI |
| FY ending Mar 2018 | 13,618 | — | — | -3,120 | -19,942 | — | S100OAGX |
| FY ending Mar 2019 | 12,823 | — | — | 521 | 25,292 | — | S100QYW8 |
| FY ending Mar 2020 | 13,475 | — | — | 409 | -39,120 | -39,471 | S100LKBI |
| FY ending Mar 2021 | 13,314 | — | — | -1,724 | 39,072 | 38,689 | S100OAGX |
| FY ending Mar 2022 | 13,179 | — | — | 826 | 13,184 | 12,789 | S100QYW8 |
| FY ending Mar 2023 | 13,290 | — | — | 868 | -7,431 | -7,669 | S100TODH |
| FY ending Mar 2024 | 13,303 | — | — | 866 | 1,184 | 430 | S100W0W6 |
| FY ending Mar 2025 | 13,417 | — | — | -1,252 | -15,199 | -16,548 | S100YCO6 |
| FY ending Mar 2026 | 15,175 | — | — | 736 | -23,138 | -23,354 | S100YCO6 |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥33M |
| Net income per employee (consolidated) | ¥1.6M |

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) | 512 | 498 | 484 | 474 | 460 |
| Average salary (parent company) | ¥4.9M | ¥5M | ¥5.1M | ¥5.2M | ¥5.3M |
| Average age (parent company) | 42.5 years | 42.5 years | 43.1 years | 42.9 years | 43.4 years |
| Average tenure (parent company) | 17.8 years | 17.9 years | 18.6 years | 18.5 years | 19.0 years |

Year over year: Employees (consolidated) -3.0% · Revenue (consolidated) +13.1%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 12,799 | 84.3% | 617 | 4.8% |
| Leasing | 2,260 | 14.9% | 71 | 3.1% |
| Credit card,credit guarantee | 116 | 0.8% | 0 | 0.0% |

### 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 | 84.3% |
| Leasing | 14.9% |
| Credit card,credit guarantee | 0.8% |

Segment → industry: Banking → Regional Banks / Credit card,credit guarantee → 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 | -23,138 | -152.5% | S100YCO6 |
| Capital expenditure | 216 | 1.4% | S100YCO6 |
| Free cash flow | -23,354 | -153.9% | 算出 |
| Investing cash flow | -635 | -4.2% | S100YCO6 |
| Financing cash flow | -175 | -1.2% | S100YCO6 |
| Dividends paid | 174 | 1.1% | S100YCO6 |
| Share buyback | 0 | 0.0% | S100YCO6 |
| Change in cash | -23,949 | -157.8% | S100YCO6 |
| Cash and equivalents | 31,012 | 204.4% | S100YCO6 |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| SBI地銀ホールディングス株式会社 | Major shareholder | 34.1% | 2026-03-31 |
| 技研ホールディングス株式会社 | Major shareholder | 5.3% | 2026-03-31 |
| 福島銀行従業員持株会 | Major shareholder | 2.9% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 2.4% | 2026-03-31 |
| 株式会社アラジン | Major shareholder | 1.5% | 2026-03-31 |
| 双葉不動産建設株式会社 | Major shareholder | 1.4% | 2026-03-31 |
| 株式会社第一商事 | Major shareholder | 1.3% | 2026-03-31 |
| BNY GCM CLIENT ACCOUNT JPRD AC ISG(FE-AC)(常任代理人株式会社三菱UFJ銀行) | Major shareholder | 0.7% | 2026-03-31 |
| 楽天証券株式会社共有口 | Major shareholder | 0.7% | 2026-03-31 |
| DOSO株式会社 | Major shareholder | 0.6% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第160期(2025/04/01－2026/03/31) | S100YCO6 | 2026-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YCO6,, |
| 有価証券報告書－第159期(2024/04/01－2025/03/31) | S100W0W6 | 2025-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W0W6,, |
| 有価証券報告書－第158期(2023/04/01－2024/03/31) | S100TODH | 2024-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TODH,, |
| 有価証券報告書－第157期(2022/04/01－2023/03/31) | S100QYW8 | 2023-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QYW8,, |
| 有価証券報告書－第156期(令和3年4月1日－令和4年3月31日) | S100OAGX | 2022-06-22 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OAGX,, |
| 有価証券報告書－第155期(令和2年4月1日－令和3年3月31日) | S100LKBI | 2021-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LKBI,, |

## 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).