Company profile

The San-in Godo Bank,Ltd.

EDINET
E03583
Securities
8381
Industry
Banks
Latest annual securities report
2026-06-16 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-01 Treasury Share Repurchase Status Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Strong Based on ROE Current Top 29% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 14% 5-year trend Deteriorating
Growth Weak Current Bottom 28% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥32.34 billion, up 21.0% year over year. Net income was ¥22.7 billion, up 21.1% year over year. ROE was 7.1%; equity ratio was 3.5%; free cash flow was ¥419.63 billion.

Revenue ¥32.34B up 21.0% year over year
Operating income —
Net income ¥22.7B up 21.1% year over year
Total assets¥9.04T
Total equity—
Operating cash flow¥136.28B
Free cash flow¥419.63B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Strong
Based on ROE

ROE Top 31%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 88%

Growth Weak

Revenue growth Bottom 78% / 3-year revenue CAGR Bottom 72%

Profitability Industry position history Broadly stable
2026 Top 29% 2025 Top 28% 2024 Top 19% 2023 Top 20% 2022 Top 37%
Financial strength Industry position history Deteriorating
2026 Bottom 14% 2025 Bottom 20% 2024 Bottom 35% 2023 Top 47% 2022 Top 20%
Growth Industry position history Deteriorating
2026 Bottom 28% 2025 Bottom 35% 2024 Top 30% 2023 Top 42% 2022 Top 40%
Profitability ROE 7.1% Industry median 5.6% Top 31% Comparison sample 83
Financial strength Equity ratio 3.5% Industry median 4.9% Bottom 88% Comparison sample 83
Growth Revenue growth +21.0% Industry median +32.7% Bottom 78% Comparison sample 83
Growth 3-year revenue CAGR +14.2% Industry median +21.3% Bottom 72% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 32335000000 32335000000 22698000000 22698000000 19328000000 9040715000000 8719452000000 321263000000 384518000000 321263000000 136276000000 283349000000 -9444000000 419625000000 1630209000000 150.01 11.52 1728.1152 271275155420.7744 2136.37 156977472 0.0355351319 0.035 0.0706523938 0.0025106421 1.0 0.7019638163 4.214504407 12.9774238441 0.2103234017 0.2103234017 0.2113999039 0.0574630754 0.0278179468 -0.8437508241 1.5364984995 -0.0499166203 0.219747926 0.3362073134 0.2206851656 0.0 0.0127523911 1906
FY2025 Consolidated Japanese GAAP 26716000000 26716000000 18737000000 18737000000 -3602000000 8549438000000 8236870000000 312568000000 372410000000 312568000000 872171000000 -528145000000 -8995000000 344026000000 1220027000000 122.89 10.55 1296.4895 203519644184.5440 2053.29 156977472 0.0365600639 0.036 0.0599453559 0.002191606 1.0 0.701340021 32.6460173679 12.8771522683 0.0804383872 0.0804383872 0.115297619 0.1615194162 -0.0385156065 12.7408189309 -64.61659841 -0.4 3.7931173807 0.3785678127 0.1245424597 0.0 -0.0015915119 1882
FY2024 Consolidated Japanese GAAP 24727000000 24727000000 16800000000 16800000000 18217000000 7360564000000 7035474000000 325089000000 362155000000 325089000000 63473000000 8302000000 -6425000000 71775000000 884996000000 109.28 11.04 1206.4512 189385659467.3664 2114.72 156977472 0.0441663166 0.044 0.0516781558 0.0022824338 1.0 0.6794192583 2.5669511061 2.9026974562 0.1383390111 0.1383390111 0.0864644636 0.0702400251 0.0379332584 1.2474127548 -0.9731895174 0.0768678161 0.3514913007 0.0797295418 0.1007252216 0.0 -0.0358056266 1885
FY2023 Consolidated Japanese GAAP 21722000000 21722000000 15463000000 15463000000 -32798000000 6877489000000 6564281000000 313208000000 351535000000 313208000000 -256547000000 309655000000 -6960000000 53108000000 819646000000 99.28 7.44 738.6432 115950342245.9904 2023.95 156977472 0.0455410398 0.045 0.0493697479 0.0022483497 1.0 0.7118589448 -11.8104686493 2.4448945769 0.0447789909 0.0447789909 0.0675181222 0.0151038544 -0.1132050364 -4.3668027139 2.8245050672 -1.0168067227 1.5678724565 0.0596600642 0.0689061154 0.0 -0.0345679012 1955
FY2022 Consolidated Japanese GAAP 20791000000 20791000000 14485000000 14485000000 -23125000000 6775158000000 6421967000000 353191000000 343217000000 353191000000 76199000000 -169720000000 -3451000000 -93521000000 773499000000 92.88 6.75 626.9400 98415456295.6800 2260.27 156977472 0.0521302972 0.052 0.0410118038 0.0021379575 1.0 0.6966956856 3.6649992785 -4.4981482372 0.439919662 0.439919662 0.4965388986 0.0635564971 -0.0701878626 -0.8264556169 -0.2760326602 -0.0664400494 -1.3055552833 -0.1114017584 0.494689411 0.0 -0.0506329114 2025
FY2021 Consolidated Japanese GAAP 14439000000 14439000000 9679000000 9679000000 21365000000 6370285000000 5990432000000 379852000000 332056000000 379852000000 439075000000 -133006000000 -3236000000 306069000000 870471000000 62.14 9.02 560.5028 87986312592.9216 2433.02 156977472 0.0596287293 0.059 0.0254809768 0.0015193983 1.0 0.670337281 30.4089618395 21.1973820902 -0.1117741142 -0.1117741142 -0.0752842266 0.1192708022 0.05033043 5.0939012224 -0.5478953065 0.2053045187 2.5843884914 0.5334994019 -0.073505293 0.0 -0.0220082531 2133
FY2020 Consolidated Japanese GAAP 16256000000 16256000000 10467000000 10467000000 -6545000000 5691460000000 5329809000000 361650000000 324637000000 361650000000 -107251000000 -85927000000 -4072000000 -193178000000 567637000000 67.07 8.15 546.6205 85807104233.3760 2314.51 156977472 0.0635425708 0.063 0.0289423476 0.0018390712 1.0 0.6438853346 -6.5976254921 -11.8834891732 -0.1574582772 -0.1574582772 -0.2073457024 0.0164052877 -0.029122304 -0.6930180429 -1.3183047357 0.0288576198 -1.9350203046 -0.25788317 -0.2070229369 0.0 -0.0180099054 2181
FY2019 Consolidated Japanese GAAP 19294000000 19294000000 13205000000 13205000000 14251000000 5599597000000 5227098000000 372498000000 318162000000 372498000000 -63349000000 269952000000 -4193000000 206603000000 764889000000 84.58 9.38 793.3604 124539709976.9088 2377.12 156977472 0.0665222872 0.066 0.0354498548 0.0023582054 1.0 0.684409661 -3.2833523375 10.7081476107 -0.028841798 -0.028841798 -0.035568215 0.0091902396 0.0278216961 -1.3021768361 5.302724662 -0.5297336738 12.4911192373 0.3598558521 -0.0362351869 0.0296708391 2221
FY2018 Consolidated Japanese GAAP 19867000000 19867000000 13692000000 13692000000 12291000000 5548604000000 5186189000000 362415000000 308993000000 362415000000 -27517000000 42831000000 -2741000000 15314000000 562478000000 87.76 10.73 941.6648 2311.15 0.0653164291 0.065 0.0377798932 0.0024676477 1.0 0.6891830674 -1.3850606533 0.7708259929 -0.033800214 -0.033800214 0.0218673035 0.0253409793 0.0271194799 -1.3865941724 1.4731661511 0.8169738248 1.7917485265 0.0228602291 0.0292013604 0.0051258155 2157
FY2017 Consolidated Japanese GAAP 20562000000 20562000000 13399000000 13399000000 -5514000000 5411472000000 5058625000000 352846000000 297825000000 352846000000 71178000000 -90520000000 -14976000000 -19342000000 549907000000 85.27 10.46 891.9242 2252.53 0.065203331 0.064 0.0379740737 0.0024760361 1.0 0.6516389456 3.4616282463 -0.9406672503 -0.0855643512 -0.0855643512 0.0377972272 0.0486218927 -0.0558748609 -0.7510623341 0.1559591966 -3.1267566823 -1.1082487785 -0.0587410672 0.0516773557 0.0004662005 2146

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp