Fukushima Bank Ltd

Fukushima Bank Ltd maintains a conservative capital structure with a debt-to-equity ratio of 0.09, indicating a low reliance on debt financing. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. The return on equity (ROE) of 0.02 and return on assets (ROA) of 0.0006 indicate weak profitability relative to its equity and asset base.

The bank's profitability metrics fall below the typical expectations for the banking industry, where ROE and ROA are usually higher. The ROE of 0.02 is significantly lower than the industry median, suggesting that the bank is underperforming in generating returns for its shareholders. The ROA of 0.0006 also indicates that the bank is not efficiently utilizing its assets to generate profit.

Fukushima Bank Ltd's revenue is not segmented by geographic region or business line in the available data, making it difficult to assess the geographic or product concentration of its earnings. However, the bank's operations are likely concentrated in Japan, given its listing on the Tokyo Stock Exchange.

The bank's growth trajectory is not clearly defined in the available data. The most recent actual revenue of 11,617,000,000 JPY and net income of 498,000,000 JPY suggest a stable but modest performance. There is no indication of significant revenue growth or contraction in the near term.

The risk assessment for Fukushima Bank Ltd highlights a medium liquidity risk and a low dilution risk. The bank's negative net cash position after subtracting total debt is a key liquidity concern. The dilution risk is assessed as low, indicating that the bank is not expected to issue additional shares in the near future.

Recent events and disclosures for Fukushima Bank Ltd are not detailed in the available data. The bank's financial performance and risk profile suggest a stable but unremarkable operational environment. There are no notable recent filings or transcripts that provide additional insight into the bank's strategic direction or operational challenges.

Fukushima Bank maintains a conservative debt-to-equity ratio of 0.09, significantly below the bank cohort median of 0.29.

The company generated JPY 7.47 billion in revenue for FY2025, demonstrating stable top-line performance despite a slight 0.3% year-over-year increase.

Fukushima Bank exhibits strong cash conversion at 2.38, ranking above the median of 1.15 for its banking cohort.

Long-term debt decreased substantially to JPY 2.14 billion in FY2024, indicating improved leverage management compared to prior years.

Total assets declined 2.9% year-over-year to JPY 805.1 billion, reflecting a shrinking balance sheet over the five-year period.

Equity decreased 4.1% year-over-year to JPY 23.9 billion, with a negative five-year CAGR of 5.1%.

Revenue ¥2.04B, +11,6% YoY; Net income +820,0% YoY.

• ▍Revenue ¥2.04B, +11,6% YoY
• ▍Net income +820,0% YoY
• ▍Net margin 14.1%

Revenue ¥1.86B, −1,1% YoY; Net income +108,5% YoY.

• ▍Revenue ¥1.86B, −1,1% YoY
• ▍Net income +108,5% YoY
• ▍Net margin 4.9%

Revenue ¥1.75B, −4,4% YoY; Net income −48,4% YoY.

• ▍Revenue ¥1.75B, −4,4% YoY
• ▍Net income −48,4% YoY
• ▍Net margin 3.7%

Revenue ¥1.94B, +2,7% YoY; Net income −152,2% YoY.

• ▍Revenue ¥1.94B, +2,7% YoY
• ▍Net income −152,2% YoY
• ▍Net margin -13.4%

Revenue ¥1.83B; Net margin -2.2%.

• ▍Revenue ¥1.83B
• ▍Net margin -2.2%

Revenue ¥1.88B; Net margin -57.2%.

• ▍Revenue ¥1.88B
• ▍Net margin -57.2%

Revenue ¥1.83B; Net margin 6.8%.

• ▍Revenue ¥1.83B
• ▍Net margin 6.8%

Revenue ¥1.89B; Net margin 26.4%.

• ▍Revenue ¥1.89B
• ▍Net margin 26.4%

Revenue ¥7.47B, +0,3% YoY; Net income −244,5% YoY.

• ▍Revenue ¥7.47B, +0,3% YoY
• ▍Net income −244,5% YoY
• ▍Free cash flow −516,5% YoY
• ▍Net margin -16.8%

Revenue ¥7.44B, −2,4% YoY; Net income −0,5% YoY.

• ▍Revenue ¥7.44B, −2,4% YoY
• ▍Net income −0,5% YoY
• ▍Free cash flow −54,0% YoY
• ▍Net margin 11.6%

Revenue ¥7.63B, +0,9% YoY; Net income +5,3% YoY.

• ▍Revenue ¥7.63B, +0,9% YoY
• ▍Net income +5,3% YoY
• ▍Free cash flow +1,8% YoY
• ▍Net margin 11.4%

Revenue ¥7.56B, −3,3% YoY; Net income +147,9% YoY.

• ▍Revenue ¥7.56B, −3,3% YoY
• ▍Net income +147,9% YoY
• ▍Free cash flow +171,8% YoY
• ▍Net margin 10.9%