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The San-in Godo Bank, Ltd. (8381.T)
Matsue, JP
Established in Matsue, Japan, in 1878, The San-in Godo Bank, Ltd. is a well-established financial institution delivering a broad spectrum of banking and financial services to both individual and business clients throughout Japan. Its operations are organized into two main divisions: Banking and Leasing. The core banking offerings include traditional deposits and lending products, alongside foreign exchange services and opportunities for securities investment. Furthermore, the bank manages public funds, processes account transfers, and supports card-affiliated merchants. It extends its expertise through consulting, advising on the acquisition, preservation, and divestment of securities, as well as conducting corporate diagnostics and providing management guidance. The leasing arm provides both general and property-related leasing arrangements. Complementary services feature credit guarantees, comprehensive cash and check management (collection, distribution, sorting, secure storage), maintenance of automated teller machines (ATMs), and collection of delinquent loans. As of March 31, 2021, the bank boasted a substantial network comprising 70 branches and 79 sub-branches across Tokyo and Osaka, in addition to representative offices situated in Dalian, Shanghai, and Bangkok.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.62% | +4.52% | +0.65% | +15.31% | +48.09% | +33.09% | +58.60% | +149.81% | +254.67% | +187.29% | +250.96% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+24.0% Q1'26: +2.5% (vs Q1'25)
-
EPS growth+22.0% Q1'26: +6.9% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +17.5% (vs Q1'25)
-
ROIC— Q1'26: +6.4% (vs Q1'25)
-
Share dilution-0.7% Q1'26: -1.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 50.36× (vs Q1'25)
* 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.
| Metric |
Mar 2015 actual |
|---|---|
| Revenue |
88.52B
est: 96.24B (-8.0%)
|
| EBITDA |
25.06B
est: 22.24B (+12.7%)
|
| EBIT |
22.29B
est: 19.40B (+14.9%)
|
| Net Income |
12.16B
est: 8.99B (+35.3%)
|
| SGA |
17.52B
est: 37.46B (-53.2%)
|
| EPS |
76.00
est: 58.97 (+28.9%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-18 | C+ | 2/5 | 1/5 | 3/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-15 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-14 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-13 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-12 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.29% | 931.7K | 0.31% |
| 2 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.27% | 1.06M | 0.58% |
| 3 | Dimensional - International Small Cap Value ETF DISV | 0.19% | 8.89M | 0.42% |
| 4 | State Street SPDR S&P International Small Cap ETF GWX | 0.16% | 1.40M | 0.40% |
| 5 | iShares MSCI Japan Small-Cap ETF SCJ | 0.15% | 397.9K | 0.50% |
| 6 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.15% | 872.0K | 0.58% |
| 7 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.13% | 822.8K | 0.41% |
| 8 | Avantis International Small Cap Equity ETF AVDS | 0.11% | 354.0K | 0.30% |
| 9 | WisdomTree International SmallCap Dividend Fund DLS | 0.11% | 1.10M | 0.58% |
| 10 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.09% | 369.2K | 0.48% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hidehiro Yamauchi | Executive Officer, GM of Business Head Office & GM of Matsue Corporate Business Dept | — | — |
| Hidetoshi Kageyama | Managing Executive Officer & Chief of Tokyo Headquarters | — | male |
| Hirohisa Ikuta | Senior MEO, GM of DX Promotion Division & Director | — | male |
| Hiroshi Yoshikawa | President, Executive Officer & Representative Director | — | male |
| Jun Ishibashi | Managing Executive Officer, Chief of Kansai Sales Headquarters & Hyogo Representative | — | — |
| Jun Mishima | Executive Officer & Chief of Iwami Headquarters | — | — |
| Kazunari Takahashi | Senior Managing Executive Officer & Chief of Yonago Headquarters | — | — |
| Naoyuki Hara | General Manager of Human Resource Department | — | — |
| Sawako Yoshioka | Senior Managing Executive Officer, Chief of Tottori Headquarters & Representative Director | — | female |
| Tomoyuki Fukuda | Managing Executive Officer & GM of Hiroshima Branch | — | — |
| Yamasaki Toru | Representative Chairman | — | male |
| Yoshikazu Tanaka | Managing Executive Officer | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8381.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
