Company profile

THE BANK OF KOCHI,LTD

EDINET
E03664
Securities
8416
Industry
Banks
Latest annual securities report
2026-06-25 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-07-01 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Weak Based on ROE Current Bottom 3% 5-year trend Deteriorating
Financial strength Weak Based on Equity ratio Current Bottom 26% 5-year trend Deteriorating
Growth Weak Current Bottom 10% 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 ¥1.38 billion, up 12.7% year over year. Net income was ¥596 million, down 30.7% year over year. ROE was 1.2%; equity ratio was 4.0%; free cash flow was ¥3.99 billion.

Revenue ¥1.38B up 12.7% year over year
Operating income —
Net income ¥596M down 30.7% year over year
Total assets¥1.16T
Total equity—
Operating cash flow¥22.89B
Free cash flow¥3.99B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Weak
Based on ROE

ROE Bottom 99%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 76%

Growth Weak

Revenue growth Bottom 85% / 3-year revenue CAGR Bottom 99%

Profitability Industry position history Deteriorating
2026 Bottom 3% 2025 Bottom 5% 2024 Bottom 11% 2023 Bottom 14% 2022 Bottom 15%
Financial strength Industry position history Deteriorating
2026 Bottom 26% 2025 Bottom 41% 2024 Top 35% 2023 Top 10% 2022 Top 14%
Growth Industry position history Deteriorating
2026 Bottom 10% 2025 Bottom 5% 2024 Bottom 29% 2023 Bottom 49% 2022 Top 32%
Profitability ROE 1.2% Industry median 5.6% Bottom 99% Comparison sample 83
Financial strength Equity ratio 4.0% Industry median 4.9% Bottom 76% Comparison sample 83
Growth Revenue growth +12.7% Industry median +32.7% Bottom 85% Comparison sample 83
Growth 3-year revenue CAGR -18.5% Industry median +21.3% Bottom 99% 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 1380000000 1380000000 596000000 596000000 -4342000000 1156604000000 1107129000000 49474000000 56406000000 49474000000 22893000000 -18907000000 -342000000 3986000000 97950000000 47.2 21.77 1027.544 11225712691.200 3850.18 10924800 0.0427752282 0.0396 0.0120467316 0.0005153017 1.0 0.431884058 16.5891304348 2.8884057971 0.1274509804 0.1274509804 -0.3069767442 0.0026978947 -0.0864876842 -0.1147331787 -4.011148272 0.1719128329 -0.8759762283 0.0386401714 -0.3572109492 0.0 0.0041608877 724
FY2025 Consolidated Japanese GAAP 1224000000 1224000000 860000000 860000000 -7388000000 1153492000000 1099333000000 54158000000 56111000000 54158000000 25860000000 6279000000 -413000000 32139000000 94306000000 73.43 10.86 797.4498 8711979575.0400 4347.89 10924800 0.0469513443 0.0439 0.0158794638 0.0007455622 1.0 0.7026143791 21.1274509804 26.2573529412 -0.3729508197 -0.3729508197 -0.31254996 0.0097907044 -0.1259340553 2.1716732364 2.0577830189 0.9766758909 2.1475345449 0.5069670821 -0.3441407646 0.0 -0.0068870523 721
FY2024 Consolidated Japanese GAAP 1952000000 1952000000 1251000000 1251000000 2638000000 1142308000000 1080347000000 61961000000 55648000000 61961000000 -22071000000 -5936000000 -17707000000 -28007000000 62580000000 111.96 9.43 1055.7828 11534215933.4400 5115.28 10924800 0.0542419383 0.0513 0.0201901196 0.0010951512 1.0 0.6408811475 -11.3068647541 -14.3478483607 -0.2348098785 -0.2348098785 -0.2186133666 -0.0363465956 -0.1956250811 0.3097635727 -1.97088649 -3.7867485049 -0.0829402212 -0.4221286498 -0.1962093474 -0.4070600495 -0.0268096515 726
FY2023 Consolidated Japanese GAAP 2551000000 2551000000 1601000000 1601000000 -3858000000 1185393000000 1108362000000 77030000000 72100000000 77030000000 -31976000000 6114000000 6354000000 -25862000000 108294000000 139.29 4.86 676.9494 12472657305.1200 5129.67 18424800 0.0649826682 0.0622 0.0207841101 0.0013506069 1.0 0.6275970208 -12.5346922775 -10.1379851039 0.1024200519 0.1024200519 -0.003113325 -0.0216050427 0.0335019387 0.0672928273 1.4573954984 14.7532467532 0.1866016669 -0.1526423687 -0.0062780909 0.0383210856 -0.0311688312 746
FY2022 Consolidated Japanese GAAP 2314000000 2314000000 1606000000 1606000000 -746000000 1211569000000 1137035000000 74533000000 64127000000 74533000000 -34283000000 2488000000 -462000000 -31795000000 127802000000 140.17 5.4 756.918 13431358526.400 5560.26 17744800 0.0615177509 0.0588 0.0215475024 0.0013255539 1.0 0.6940363008 -14.8154710458 -13.7402765774 0.4248768473 0.4248768473 0.8312428734 -0.0267998358 -0.0158321449 -1.4259075211 5.8499025341 -0.0452488688 -1.3975319138 -0.2015369237 1.051968965 0.0 -0.0399002494 770
FY2021 Consolidated Japanese GAAP 1624000000 1624000000 877000000 877000000 6363000000 1244933000000 1169200000000 75732000000 62827000000 75732000000 80494000000 -513000000 -442000000 79981000000 160060000000 68.31 12.44 849.7764 15079112262.7200 5675.68 17744800 0.0608321894 0.0582 0.0115803095 0.0007044556 1.0 0.5400246305 49.565270936 49.2493842365 -0.3799159985 -0.3799159985 -0.3522895126 0.1082078558 0.084814714 3.4242057821 0.8308047493 0.0111856823 4.2750956338 0.9878044237 -0.4088273475 0.0 -0.0395209581 802
FY2020 Consolidated Japanese GAAP 2619000000 2619000000 1354000000 1354000000 -3393000000 1123375000000 1053563000000 69811000000 62213000000 69811000000 18194000000 -3032000000 -447000000 15162000000 80521000000 115.55 5.48 633.2140 11236255787.2000 5106.05 17744800 0.0621439858 0.0594 0.0193952242 0.0012052965 1.0 0.516991218 6.9469263078 5.7892325315 0.3762480294 0.3762480294 0.4045643154 0.0248163609 -0.0521635235 1.8955943884 -1.2946263726 -0.0113122172 2.5125698324 0.2236118287 0.5002596728 0.0 -0.0346820809 835
FY2019 Consolidated Japanese GAAP 1903000000 1903000000 964000000 964000000 227000000 1096172000000 1022519000000 73653000000 61209000000 73653000000 -20315000000 10291000000 -442000000 -10024000000 65806000000 77.02 10.51 809.4802 14364064252.9600 5492.97 17744800 0.0671910977 0.0644 0.013088401 0.000879424 1.0 0.5065685759 -10.6752496059 -5.267472412 -0.361409396 -0.361409396 -0.448196909 -0.0168040922 -0.0028970988 -2.0587898056 3.5198334966 0.1247524752 -1.6637091968 -0.1372194252 -0.5008425146 -0.0280898876 865
FY2018 Consolidated Japanese GAAP 2980000000 2980000000 1747000000 1747000000 2400000000 1114907000000 1041040000000 73867000000 60576000000 73867000000 19187000000 -4084000000 -505000000 15103000000 76272000000 154.3 8.43 1300.749 5521.73 0.0662539566 0.0636 0.0236506153 0.0015669468 1.0 0.5862416107 6.438590604 5.0681208054 -0.0557667934 -0.0557667934 -0.208068903 0.020578034 0.0264009893 -0.2860385503 0.4510014787 -0.1026200873 -0.2228968356 0.2366761248 6.7811396873 -0.0230515917 890
FY2017 Consolidated Japanese GAAP 3156000000 3156000000 2206000000 2206000000 1551000000 1092427000000 1020459000000 71967000000 59324000000 71967000000 26874000000 -7439000000 -458000000 19435000000 61675000000 19.83 6.6 130.878 532.32 0.0658780861 0.0633 0.0306529382 0.0020193569 1.0 0.6989860583 8.5152091255 6.1581115336 -0.1247920133 -0.1247920133 -0.2675962815 0.0347843384 0.0155793574 27.6079207921 -2.7009950249 0.0192719486 7.4354304636 0.4444470467 -0.2825615051 -0.0032822757 911

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