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Fukuoka Financial Group, Inc. (8354.T)

JPY7,596.00 +114.00 (+1.52%)
JP JPX Financial Services Banks - Regional
Address 1-8-3, Otemon 810-8693
Fukuoka City, JP
CEO Hisashi Goto
IPO 2001-01-01
ISIN JP3805010000

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Also trades on Other OTC · FKKFF (USD) Other OTC · FKKFY (USD) Tokyo Stock Exchange · 8354.T (JPY)
Description

Fukuoka Financial Group, Inc. delivers a comprehensive array of banking solutions to both individual and corporate clients. Its offerings encompass the acceptance of diverse deposits, including current, ordinary, demand, time, and negotiable certificates, alongside the provision of various loan products. Beyond core banking, the group actively participates in numerous other ventures such as securities trading, administrative agency operations, loan guarantees, system development and maintenance, credit card services, collateral appraisal, credit management and collection, consulting, insurance, research and development, investment activities, and factoring. Furthermore, the company handles movable property and leasehold arrangements, and provides information processing and communication services. Founded in 1877 and headquartered in Fukuoka, Japan, the company's extensive network as of March 31, 2021, included 428 branches throughout Japan, 8 international offices, and roughly 2,300 ATMs.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY7,596.00 +114.00 (+1.52%)
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Volume Profile
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Liquidity & share structure
Average Volume
640.7K
Beta
0.15
Float Shares
147.22M
Free Float %
77.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.19% +2.44% +1.24% -7.01% +45.81% +29.09% +61.67% +156.48% +232.83% +287.72% +171.72%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
7,596.00
DCF (Unlevered) 16,068.74 +111.5%
DCF (Levered) 61,313.49 +707.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 33% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 2 0
Hold 5 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +37.7% Q1'26: +93.4% (vs Q1'25)
  • EPS growth
    +18.5% Q1'26: +32.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +9.7% (vs Q1'25)
  • ROIC
    Q1'26: +1.5% (vs Q1'25)
  • Share dilution
    0.0% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 125.55× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.16) × ERP
WACC = 12% × Ke + 88% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 13,988.89 Current price: 7,596.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
5 Rev. Ana.
8 EPS Ana.
Mar 2027
5 Rev. Ana.
5 EPS Ana.
Mar 2028
5 Rev. Ana.
7 EPS Ana.
Mar 2029
3 Rev. Ana.
3 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
221.95B
est: 242.00B (-8.3%)
244.27B
est: 233.60B (+4.6%)
228.47B
est: 236.00B (-3.2%)
230.83B
est: 234.93B (-1.7%)
240.34B
est: 211.56B (+13.6%)
377.24B
est: 222.75B (+69.4%)
259.53B
est: 228.62B (+13.5%)
273.20B
est: 236.54B (+15.5%)
318.16B
est: 227.85B (+39.6%)
441.71B
est: 252.73B (+74.8%)
448.33B
est: 254.22B (+76.4%)
286.30B
252.14B – 301.59B
+12.6% YoY
329.25B
303.40B – 367.82B
+15.0% YoY
369.84B
334.59B – 429.00B
+12.3% YoY
387.09B
379.69B – 394.49B
+4.7% YoY
922.08B
841.53B – 1.05T
+138.2% YoY
EBITDA
78.37B
est: 64.35B (+21.8%)
86.60B
est: 62.11B (+39.4%)
77.51B
est: 62.75B (+23.5%)
80.45B
est: 62.47B (+28.8%)
83.76B
est: 56.25B (+48.9%)
120.39B
est: 59.23B (+103.3%)
71.60B
est: 60.79B (+17.8%)
87.44B
est: 62.89B (+39.0%)
57.20B
est: 60.58B (-5.6%)
90.11B
est: 62.75B (+43.6%)
117.31B
est: 63.12B (+85.9%)
71.08B
62.60B – 74.88B
+12.6% YoY
81.75B
75.33B – 91.32B
+15.0% YoY
91.82B
83.07B – 106.51B
+12.3% YoY
96.10B
94.27B – 97.94B
+4.7% YoY
228.93B
208.93B – 260.91B
+138.2% YoY
EBIT
61.40B
est: 54.59B (+12.5%)
69.37B
est: 52.70B (+31.6%)
-35.56B
est: 53.24B (-166.8%)
70.77B
est: 53.00B (+33.5%)
73.65B
est: 47.72B (+54.3%)
108.23B
est: 50.25B (+115.4%)
59.33B
est: 51.57B (+15.0%)
75.16B
est: 53.36B (+40.9%)
45.24B
est: 51.40B (-12.0%)
77.49B
est: 53.21B (+45.6%)
103.71B
est: 53.52B (+93.8%)
60.28B
53.08B – 63.50B
+12.6% YoY
69.32B
63.88B – 77.44B
+15.0% YoY
77.86B
70.44B – 90.32B
+12.3% YoY
81.50B
79.94B – 83.05B
+4.7% YoY
194.13B
177.17B – 221.25B
+138.2% YoY
Net Income
36.60B
est: 40.70B (-10.1%)
44.72B
est: 49.46B (-9.6%)
-54.30B
est: -61.15B (+11.2%)
49.37B
est: 54.87B (-10.0%)
51.65B
est: 57.27B (-9.8%)
110.61B
est: 149.23B (-25.9%)
44.65B
est: 44.60B (+0.1%)
54.12B
est: 53.31B (+1.5%)
31.15B
est: 30.71B (+1.4%)
61.18B
est: 61.18B (+0.0%)
72.14B
est: 74.05B (-2.6%)
86.03B
84.41B – 90.02B
+16.2% YoY
95.16B
89.24B – 100.76B
+10.6% YoY
115.59B
89.68B – 139.75B
+21.5% YoY
121.00B
84.88B – 127.94B
+4.7% YoY
125.20B
110.98B – 147.93B
+3.5% YoY
SGA
48.46B
est: 115.63B (-58.1%)
47.37B
est: 111.61B (-57.6%)
52.68B
est: 112.76B (-53.3%)
50.56B
est: 112.25B (-55.0%)
46.24B
est: 101.08B (-54.3%)
56.31B
est: 106.43B (-47.1%)
59.36B
est: 109.23B (-45.7%)
56.91B
est: 113.02B (-49.6%)
54.70B
est: 108.87B (-49.8%)
56.92B
est: 43.76B (+30.1%)
57.35B
est: 44.02B (+30.3%)
49.57B
43.66B – 52.22B
+12.6% YoY
57.01B
52.54B – 63.69B
+15.0% YoY
64.04B
57.94B – 74.28B
+12.3% YoY
67.03B
65.74B – 68.31B
+4.7% YoY
159.66B
145.71B – 181.96B
+138.2% YoY
EPS
211.45
est: 215.25 (-1.8%)
258.75
est: 261.61 (-1.1%)
-316.11
est: -323.41 (+2.3%)
287.42
est: 290.24 (-1.0%)
300.71
est: 302.92 (-0.7%)
581.83
est: 789.30 (-26.3%)
234.86
est: 235.89 (-0.4%)
284.69
est: 281.99 (+1.0%)
165.54
est: 163.33 (+1.4%)
324.77
est: 328.65 (-1.2%)
381.54
est: 387.90 (-1.6%)
456.55
446.49 – 476.16
+17.7% YoY
517.43
471.99 – 532.94
+13.3% YoY
609.46
474.36 – 739.19
+17.8% YoY
596.95
448.97 – 676.68
-2.1% YoY
662.20
587.00 – 782.45
+10.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 5/5 3/5 2/5 1/5 2/5 3/5
2026-05-11 B 3/5 5/5 3/5 2/5 1/5 2/5 3/5
2026-05-08 B 3/5 5/5 3/5 2/5 1/5 2/5 3/5
2026-05-07 B 3/5 5/5 3/5 2/5 1/5 2/5 3/5
2026-05-01 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-27 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-24 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-21 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
24.32B
OE per share TTM
128.64
Owner's Yield
1.94%
Maintenance CapEx ratio
43.22%
Maint CapEx / Avg PPE
61.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 123 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Aztlan Global Stock Selection Dm SMID ETF AZTD 1.92% 625.2K 0.75%
2 iShares MSCI Japan Small-Cap ETF SCJ 0.55% 1.41M 0.50%
3 iShares MSCI Japan Small Cap UCITS ETF IDJP.L 0.54% 3.06M 0.58%
4 Innovator International Developed Managed Floor ETF IFLR 0.26% 216.1K 0.89%
5 iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ 0.20% 465.0K 0.83%
6 iShares MSCI EAFE Small-Cap ETF SCZ 0.20% 28.02M 0.40%
7 Innovator International Developed Managed 10 Buffer ETF IBFR 0.18% 27.0K 0.85%
8 iShares JPX-Nikkei 400 ETF JPXN 0.15% 204.1K 0.48%
9 Amundi Prime Japan UCITS ETF DR (D) PRJU.L 0.15% 6.61M 0.05%
10 Amundi Prime Japan UCITS ETF DR (C) PRAJ.DE 0.15% 6.60M 0.05%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
14.97M
Shares Outstanding
188.96M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Eiji Araki Executive Officer male
Hiroshi Miyoshi Deputy President, Executive Officer & Director male
Hisashi Goto President, Chief Executive Officer & Director male
Keiji Miyoshi Executive Vice President & Director male
Masahiro Hashizume Executive Officer & Director male
Mitsuo Yamanaka Executive Officer
Nagasuri Tomoya IR Contact (Investor Division) male
Nobuhiko Yamakawa Executive Officer & Director male
Takehito Naruse Executive Officer and GM of the Solutions & Business Division and Director male
Toshihiro Sakamoto Executive Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits