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The San-in Godo Bank,Ltd.

山陰合同銀行 Yahoo Finance

Recent & upcoming events

Jul 31
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 23
Shareholder meeting 21:00
Shareholders' meeting
Venue: 島根県松江市魚町10番地 山陰合同銀行本店（３階大ホール） Details
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May 15
Earnings 2:00
FY earnings announcement (scheduled)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Oct 16
Est.
Earnings 2:00 approx.
Q2 earnings
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2027
Jan 1
Est.
Earnings 1:00 approx.
Q3 earnings
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Mar 19
Est.
Earnings 2:00 approx.
Q3 earnings
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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Jun 4
Est.
Earnings 2:00 approx.
Full-year earnings
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KPI highlights

FY26
Revenue —
Operating income —
Net income ¥22.70B YoY +21.1%
EPS ¥150 YoY +22.1%
P/E —
ROE 7.2% Equity ratio 4% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2027/03 Company-issued full-year guidance (from earnings report) / %=vs prior FY
Revenue ¥197.60B —
Operating income — —
Net income ¥25.50B +12.3%
EPS ¥170 +13.1%

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q2FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY25 Q2
Revenue ¥26.51B¥25.27B¥28.52B¥28.70B——
Operating income ——————
Net income ¥2.31B¥4.33B¥3.79B¥6.38B——
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

国内機関 24.8%海外機関 3.9%未開示 68%202120222023202420252026
事業法人国内機関海外機関個人未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

日本マスタートラスト信託銀行株式会社 12.1%日本マスタートラスト信託銀行株式会社（信託口）株式会社日本カストディ銀行（信託口） 6%株式会社日本カストディ銀行（信託口）日本生命保険相互会社 2.7%日本生命保険相互会社山陰合同銀行従業員持株会 2.3%山陰合同銀行従業員持株会明治安田生命保険相互会社 2%明治安田生命保険相互会社住友生命保険相互会社 2%住友生命保険相互会社JP MORGAN CHASE BA 1.4%JP MORGAN CHASE BANK 385781（常任代理人　株式会社みずほ銀行決済営業部）STATE STREET BANK 1.3%STATE STREET BANK AND TRUST COMPANY 505001（常任代理人　株式会社みずほ銀行決済営業部）DFA INTL SMALL CAP 1.2%DFA INTL SMALL CAP VALUE PORTFOLIO（常任代理人　シティバンク、エヌ・エイ東京支店）グッドヒル株式会社 1%グッドヒル株式会社202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行株式会社（信託口） 18,443,000 12.1% Yuho (EDINET)
株式会社日本カストディ銀行（信託口） 9,107,000 6.0% Yuho (EDINET)
日本生命保険相互会社 4,076,000 2.7% Yuho (EDINET)
山陰合同銀行従業員持株会 3,514,000 2.3% Yuho (EDINET)
明治安田生命保険相互会社 3,050,000 2.0% Yuho (EDINET)
住友生命保険相互会社 3,006,000 2.0% Yuho (EDINET)
JP MORGAN CHASE BANK 385781 2,120,000 1.4% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505001 1,966,000 1.3% Yuho (EDINET)
DFA INTL SMALL CAP VALUE PORTFOLIO 1,786,000 1.2% Yuho (EDINET)
グッドヒル株式会社 1,568,000 1.0% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY26
Equity ratio 3.5%
Current ratio —
Years of positive operating CF 6 of last 10 yrs
Payout ratio 41%
Latest fiscal year result Profit (net income ¥22.70B)

Performance history

Last 10 years
0億円285億円570億円855億円1,139億円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue ———8218308891,0331,0901,139—
Operating income ——————————
Ordinary income 206199193163144208217247267323
Net income 13413713210596.8145155168187227
Total assets 54,11555,48655,99656,91563,70367,75268,77573,60685,49490,407
Equity 3,5283,6243,7253,6173,7993,5323,1323,2513,1263,213

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ¥85¥88¥85¥67¥62¥93¥99¥109¥123¥150
ROE 3.8%3.8%3.6%2.9%2.6%4.0%4.6%5.3%5.9%7.2%
Operating CF 712-275-633-1,0734,391762-2,5656358,7221,363
Investing CF -9054282,700-859-1,330-1,6973,09783.0-5,2812,833
Financing CF -150-27.4-41.9-40.7-32.4-34.5-69.6-64.3-90.0-94.4
FCF -1931532,066-1,9323,061-9355317183,4404,196

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

Is this information incorrect?

Data provided by Twelve Data