Company profile

THE HOWA BANK,LTD.

EDINET
E03673
Securities
8559
Industry
Banks
Latest annual securities report
2026-06-19 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 8% 5-year trend Deteriorating
Financial strength Below average Based on Equity ratio Current Bottom 41% 5-year trend Deteriorating
Growth Weak Current Bottom 5% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Standalone · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Standalone Japanese GAAP

Revenue reached ¥1.21 billion, down 10.2% year over year. Net income was ¥819 million, down 21.0% year over year. ROE was 2.9%; equity ratio was 4.7%; free cash flow was -¥7.11 billion.

Revenue ¥1.21B down 10.2% year over year
Operating income —
Net income ¥819M down 21.0% year over year
Total assets¥596.13B
Total equity—
Operating cash flow-¥5.78B
Free cash flow-¥7.11B

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 94%

Financial strength Below average
Based on Equity ratio

Equity ratio Bottom 61%

Growth Weak

Revenue growth Bottom 97% / 3-year revenue CAGR Bottom 98%

Profitability Industry position history Deteriorating
2026 Bottom 8% 2025 Bottom 15% 2024 Bottom 20% 2023 Top 33% 2022 Bottom 24%
Financial strength Industry position history Deteriorating
2026 Bottom 41% 2025 Top 16% 2024 Top 14% 2023 Top 24% 2022 Top 25%
Growth Industry position history Deteriorating
2026 Bottom 5% 2025 Top 25% 2024 Bottom 9% 2023 Top 4% 2022 Bottom 34%
Profitability ROE 2.9% Industry median 5.6% Bottom 94% Comparison sample 83
Financial strength Equity ratio 4.7% Industry median 4.9% Bottom 61% Comparison sample 83
Growth Revenue growth -10.2% Industry median +32.7% Bottom 97% Comparison sample 83
Growth 3-year revenue CAGR -6.1% Industry median +21.3% Bottom 98% 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 Standalone Japanese GAAP 1207000000 1207000000 819000000 596133000000 568328000000 27804000000 28224000000 27804000000 -5775000000 -1333000000 -7533000000 -7108000000 35722000000 69.27 7.07 489.7389 922.3 10.0 0.0466405987 0.0466 0.0294561934 0.0013738545 1.0 0.6785418393 -4.7845898923 -5.8889809445 0.1443626389 -0.1019345238 -0.1019345238 -0.2102217936 -0.0056146883 -0.1835799859 0.7084658489 0.7507013278 -2.6656934307 0.7174431547 -0.2907235327 -0.3510399101 0.0 0.0119284294 0.0395783612 509 5227000
FY2025 Standalone Japanese GAAP 1344000000 1344000000 1037000000 599499000000 565443000000 34056000000 34912000000 34056000000 -19809000000 -5347000000 -2055000000 -25156000000 50364000000 106.74 4.54 484.5996 788.57 10.0 0.0568074342 0.0568 0.0304498473 0.0017297777 1.0 0.771577381 -14.7388392857 -18.7172619048 0.0936855912 0.9706744868 0.9706744868 0.1824401368 -0.0343277331 -0.0837032852 -2.4777036517 -5.1099154497 -1.6669912366 -4.7237770193 -0.3507869601 0.2725321888 0.0 -0.0156555773 0.0178137652 503 5028000
FY2024 Standalone Japanese GAAP 682000000 682000000 877000000 620810000000 583642000000 37167000000 35783000000 37167000000 -5696000000 1301000000 3081000000 -4395000000 77577000000 83.88 5.87 492.3756 1051.52 10.0 0.0598685588 0.0598 0.0235962009 0.0014126705 1.0 1.2859237537 -8.3519061584 -6.4442815249 0.1192179304 -0.5315934066 -0.5315934066 -0.3264208909 0.001741078 0.1557621743 0.7699515347 2.0046189376 7.8314855876 0.8193365396 -0.0166558923 -0.4745019421 0.0 0.0059055118 0.0170887379 511 4940000
FY2023 Standalone Japanese GAAP 1456000000 1456000000 1302000000 619731000000 587573000000 32158000000 31738000000 32158000000 -24760000000 433000000 -451000000 -24327000000 78891000000 159.62 3.5 558.670 814.03 10.0 0.0518902556 0.0518 0.0404875925 0.0021009115 1.0 0.8942307692 -17.0054945055 -16.7081043956 0.0626487909 0.5182481752 0.5182481752 0.5353773585 -0.0360847432 0.0045921714 -2.8761839812 1.0647137946 0.0280172414 -4.7391638488 -0.239018038 0.9294089206 0.0 -0.0230769231 0.0356076759 508 4857000
FY2022 Standalone Japanese GAAP 959000000 959000000 848000000 642931000000 610920000000 32011000000 30831000000 32011000000 13197000000 -6691000000 -464000000 6506000000 103670000000 82.73 6.96 575.8008 789.13 10.0 0.0497891687 0.0497 0.0264908938 0.0013189596 1.0 0.8842544317 13.7612095933 6.7841501564 0.120875136 0.1942714819 0.1942714819 -0.1477386935 0.0146500896 0.0035425419 -0.6566768126 -0.9541471963 0.0169491525 -0.8141939169 0.0618771062 -0.2335556791 0.0 0.015625 0.0353200883 520 4690000
FY2021 Standalone Japanese GAAP 803000000 803000000 995000000 633648000000 601750000000 31898000000 30359000000 31898000000 38439000000 -3424000000 -472000000 35015000000 97629000000 107.94 5.92 639.0048 770.17 10.0 0.050340252 0.0503 0.0311931783 0.0015702725 1.0 1.2391033624 47.8692403487 43.6052303861 0.0926440615 2.2379032258 2.2379032258 2.2200647249 0.0954315528 0.0552118826 4.5773360418 -0.722334004 0.0042194093 6.1400897227 0.5475541325 14.2931034483 0.0 0.0 -0.0184182015 512 4530000
FY2020 Standalone Japanese GAAP 248000000 248000000 309000000 578446000000 548216000000 30229000000 29774000000 30229000000 6892000000 -1988000000 -474000000 4904000000 63086000000 -8.12 487.44 10.0 0.0522589836 0.0522 0.0102219723 0.0005341899 1.0 1.2459677419 27.7903225806 19.7741935484 -1.2315270936 -0.7785714286 -0.7785714286 -0.727753304 -0.0001227276 -0.0284437874 1.9483968625 -1.6105651106 -0.0106609808 2.2226377462 0.0755250955 -1.0616038237 0.0 -0.007751938 0.0039155971 512 4615000
FY2019 Standalone Japanese GAAP 1120000000 1120000000 1135000000 578517000000 547402000000 31114000000 29763000000 31114000000 -7267000000 3256000000 -469000000 -4011000000 58656000000 131.81 5.13 676.1853 637.44 10.0 0.0537823435 0.0537 0.0364787555 0.001961913 1.0 1.0133928571 -6.4883928571 -3.58125 0.0758667779 0.1290322581 0.1290322581 0.7301829268 -0.0043507818 0.0121665582 -1.7493297587 0.1192849777 -1.3330965909 -1.3181565797 -0.0709579321 24.0113851992 9.0 0.0382293763 516 4597000
FY2018 Standalone Japanese GAAP 992000000 992000000 656000000 581045000000 550305000000 30740000000 28517000000 30740000000 9698000000 2909000000 1408000000 12607000000 63136000000 5.27 15.18 79.9986 57.59 1.0 0.0529046804 0.0529 0.0213402733 0.0011290003 1.0 0.6612903226 9.7762096774 12.7086693548 0.1897533207 0.2477987421 0.2477987421 -0.0352941176 0.0220111129 0.0910381544 -0.0147312811 1.241390756 3.5930018416 6.709692029 0.2853420195 0.1737193764 0.0 0.018442623 497
FY2017 Standalone Japanese GAAP 795000000 795000000 680000000 568531000000 540356000000 28175000000 26339000000 28175000000 9843000000 -12051000000 -543000000 -2208000000 49120000000 4.49 17.14 76.9586 46.76 1.0 0.0495575439 0.0495 0.0241348713 0.0011960649 1.0 0.8553459119 12.3811320755 -2.7773584906 0.2227171492 -0.3456790123 -0.3456790123 -0.2648648649 0.015808949 0.0050296069 2.5530135689 -3.5944025834 -0.014953271 -0.3041937389 -0.0530536706 -0.4635603345 0.0 -0.0141414141 488

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