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The Iyo Bank, Ltd.

Recent & upcoming events

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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2027
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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KPI highlights

FY22
Revenue —
Operating income —
Net income ¥26.42B YoY +46.0%
EPS ¥83 YoY +46.0%
P/E —
ROE 3.6% Equity ratio 8% 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.

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2022）

事業法人 4.9%国内機関 30.3%未開示 63.3%20212022
事業法人国内機関個人未開示・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 11.3%日本マスタートラスト信託銀行株式会社株式会社日本カストディ銀行 10.3%株式会社日本カストディ銀行日本生命保険相互会社 2.8%日本生命保険相互会社明治安田生命保険相互会社 2.8%明治安田生命保険相互会社大王海運株式会社 1.9%大王海運株式会社住友林業株式会社 1.9%住友林業株式会社住友生命保険相互会社 1.7%住友生命保険相互会社伊予銀行従業員持株会 1.6%伊予銀行従業員持株会損害保険ジャパン株式会社 1.4%損害保険ジャパン株式会社株式会社伊予鉄グループ 1.2%株式会社伊予鉄グループ20212022

Top shareholders — actual figures (as of 2022)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行株式会社 36,008,000 11.3% Yuho (EDINET)
株式会社日本カストディ銀行 32,807,000 10.3% Yuho (EDINET)
日本生命保険相互会社 8,878,000 2.8% Yuho (EDINET)
明治安田生命保険相互会社 8,867,000 2.8% Yuho (EDINET)
大王海運株式会社 6,000,000 1.9% Yuho (EDINET)
住友林業株式会社 5,911,000 1.9% Yuho (EDINET)
住友生命保険相互会社 5,415,000 1.7% Yuho (EDINET)
伊予銀行従業員持株会 4,985,000 1.6% Yuho (EDINET)
損害保険ジャパン株式会社 4,293,000 1.4% Yuho (EDINET)
株式会社伊予鉄グループ 3,844,000 1.2% Yuho (EDINET)

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

F-Score (Piotroski)

3/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.3%
✗ Positive operating cash flow ¥-60.24B
✓ ROA improved YoY 0.2% → 0.3%
✗ Operating CF exceeds net income (accrual quality) OCF ¥-60.24B / net income ¥26.42B
✗ Equity ratio improved* Substitute for the original “decrease in long-term debt” 8.6% → 8.5%
— Current ratio improved No data
✓ No dilution (shares outstanding did not increase) 323,775,000 → 323,775,000
— Gross margin improved No data
— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY22
Equity ratio 8.5%
Current ratio —
Years of positive operating CF 3 of last 5 yrs
Payout ratio 21%
Latest fiscal year result Profit (net income ¥26.42B)

Performance history

Last 10 years

Income & assets

Unit: ¥100M
Item FY18FY19FY20FY21FY22
Revenue —————
Operating income —————
Ordinary income 361287294262382
Net income 236185189181264
Total assets 70,96671,65777,95685,50785,448
Equity 6,4636,4836,7187,4127,318

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 FY18FY19FY20FY21FY22
EPS ¥75¥59¥60¥57¥83
ROE 3.9%3.0%3.0%2.6%3.6%
Operating CF 38.7-1,5094937,787-602
Investing CF -5712,375-1,340-6981,636
Financing CF -41.1-43.5-57.4-133-47.3
FCF -532866-8487,0901,034

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

Is this information incorrect?

Data provided by Twelve Data