Miyazaki Taiyo Bank Ltd

Miyazaki Taiyo Bank Ltd has a total equity of ¥45.28 billion and a debt-to-equity ratio of 0.0, indicating a strong capital structure with no long-term debt obligations. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 0.66%, and the return on assets (ROA) is 0.04%, both of which are below the typical performance metrics for banks.

The bank's profitability is modest, with a net income of ¥297 million on total assets of ¥807.34 billion. The ROE and ROA figures suggest that the bank is not generating strong returns relative to its equity and asset base. The operating cash flow is negative at ¥16.79 billion, which may indicate challenges in generating sufficient cash from operations to support its activities.

Miyazaki Taiyo Bank Ltd's revenue is concentrated in Japan, as it is a regional bank with no disclosed international operations. The bank's revenue of ¥2.36 billion is relatively small compared to global peers like JPMorgan Chase and Bank of America, which suggests a limited geographic and market diversification.

The bank's growth trajectory is not clearly defined, as there are no specific numeric deltas provided for the current or next fiscal year. However, the negative operating cash flow and modest net income suggest that the bank may face challenges in sustaining growth. The capital expenditure of ¥530 million indicates some investment in infrastructure or operations, but the scale is relatively small.

The risk assessment for Miyazaki Taiyo Bank Ltd highlights a medium liquidity risk and a low dilution risk. The bank has no long-term debt, which reduces its exposure to interest rate fluctuations and refinancing risks. However, the negative net cash position raises concerns about its ability to meet short-term obligations. There are no recent events or filings mentioned that would significantly impact the bank's operations or financial position.

The company eliminated long-term debt by FY2025, achieving a zero debt-to-equity ratio that significantly reduces financial leverage risk.

Total assets grew 0.9% year-over-year in FY2025, indicating modest balance sheet expansion despite broader equity contraction trends.

Revenue demonstrated stability with a 0.7% four-year CAGR, maintaining top-line consistency despite recent annual volatility.

Return on equity of 0.66% ranks in the bottom quartile, drastically underperforming the 6.16% cohort median.

Total equity declined 4.4% year-over-year in FY2025, reflecting a shrinking capital base amid falling profitability.

Revenue ¥2.70B, +10,5% YoY; Net income +105,7% YoY.

• ▍Revenue ¥2.70B, +10,5% YoY
• ▍Net income +105,7% YoY
• ▍Net margin 40.2%

Revenue ¥2.45B, +5,2% YoY; Net income −45,6% YoY.

• ▍Revenue ¥2.45B, +5,2% YoY
• ▍Net income −45,6% YoY
• ▍Net margin 7.1%

Revenue ¥2.62B, +1,6% YoY; Net income −23,1% YoY.

• ▍Revenue ¥2.62B, +1,6% YoY
• ▍Net income −23,1% YoY
• ▍Net margin 16.2%

Revenue ¥2.34B, −0,8% YoY; Net income −122,2% YoY.

• ▍Revenue ¥2.34B, −0,8% YoY
• ▍Net income −122,2% YoY
• ▍Net margin -2.8%

Revenue ¥2.45B; Net margin 21.6%.

• ▍Revenue ¥2.45B
• ▍Net margin 21.6%

Revenue ¥2.33B; Net margin 13.7%.

• ▍Revenue ¥2.33B
• ▍Net margin 13.7%

Revenue ¥2.58B; Net margin 21.4%.

• ▍Revenue ¥2.58B
• ▍Net margin 21.4%

Revenue ¥2.36B; Net margin 12.6%.

• ▍Revenue ¥2.36B
• ▍Net margin 12.6%

Revenue ¥9.70B, −2,2% YoY; Net income −24,4% YoY.

• ▍Revenue ¥9.70B, −2,2% YoY
• ▍Net income −24,4% YoY
• ▍Free cash flow −55,8% YoY
• ▍Net margin 13.7%

Revenue ¥9.91B, +2,3% YoY; Net income +13,7% YoY.

• ▍Revenue ¥9.91B, +2,3% YoY
• ▍Net income +13,7% YoY
• ▍Free cash flow +26,4% YoY
• ▍Net margin 17.8%

Revenue ¥9.69B, +0,2% YoY; Net income −4,8% YoY.

• ▍Revenue ¥9.69B, +0,2% YoY
• ▍Net income −4,8% YoY
• ▍Free cash flow −1,7% YoY
• ▍Net margin 16.0%

Revenue ¥9.68B, +2,5% YoY; Net income +31,1% YoY.

• ▍Revenue ¥9.68B, +2,5% YoY
• ▍Net income +31,1% YoY
• ▍Free cash flow +290,5% YoY
• ▍Net margin 16.8%