Overview
Banks

Iyogin Holdings,Inc.

Iyo Gin Holdings is the holding company of Iyogin Group, centered on Iyo Bank, a regional bank headquartered in Ehime Prefecture, Japan, operating 142 branches and 8 sub-branches. The Group provides a comprehensive range of financial services including banking (deposits, loans, securities investment, and foreign exchange), leasing, credit guarantees, credit card services, securities brokerage, and IT services. The Group is deeply embedded in the local economy of the Ehime/Shikoku region, supporting regional revitalization through community-focused banking and investment fund operations.

Market Cap
¥910B
US$5.80B
EV
¥—B
Stock¥3,168▼-2.31%
US$1 = ¥156.80 (2026-10-23)
ROE
7.3%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+23.4%pt
10012345
Oct 24, 25 – Oct 23, 26StockTOPIX
1Oct 27, 25Strong interim results, strategic holdings reduction
2Nov 7, 25Activist investor selling pressure
3Feb 12, 26Q3 earnings beat, dividend hike hints
4Feb 24, 26Institutional profit-taking
5Aug 7, 26Q1 FY2027/03 earnings announced; Board approved share buyback
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Performance & Balance
Revenue 5Y (¥B)
173US$1.10B'23/3193US$1.23B'24/3232US$1.48B'25/3266US$1.70B'26/3
Net Income 5Y (¥B)
27.9US$178M'23/339.5US$252M'24/353.3US$340M'25/374.3US$474M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
1,365US$8.70B'23/31,169US$7.45B'24/31,120US$7.14B2.25US$14.3M'25/31,163US$7.42B1.62US$10.4M'26/3
Shareholders
Top 10 hold 35.9%
1
The Master Trust Bank of Japan, Ltd.
11.97%
2
Custody Bank of Japan, Ltd.
6.79%
3
Nippon Life Insurance Company
3.06%
4
IYOTETSU Group Co., Ltd.
2.44%
5
Meiji Yasuda Life Insurance Company
2.14%
6
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
2.10%
7
Daio Kaiun Co., Ltd.
2.07%
8
Sumitomo Forestry Co.,Ltd.
2.04%
9
Sumitomo Life Insurance Company
1.86%
10
Employee Stock Ownership Association
1.39%
Management
7 officers
Kenji MIYOSHI
Representative Director, President (Group CEO)
Apr 1982 Joined The Iyo Bank, Ltd. Jun 2014 Executive Officer; General Manager, General Planning Department; concurrently Manager, Related Business Division and Manager, ICT Strategy Office, General Planning Department, The Iyo Bank Jun 2015 Managing Executive Officer; General Manager, General Planning Department; concurrently Manager, Related Business Division and Manager, ICT Strategy Office, General Planning Department, The Iyo Bank Jun 2016 Managing Executive Officer; Deputy General Manager, Sales Headquarters, The Iyo Bank Jun 2017 Managing Director, The Iyo Bank Jun 2019 Senior Managing Director (Representative Director), The Iyo Bank Apr 2020 Director, President (Representative Director), The Iyo Bank Oct 2022 Representative Director, President of the Company (current)
1959-12-18
Hiroshi OSADA
Representative Director, Senior Managing Executive Officer (Group CFO)
Apr 1987 Joined The Iyo Bank, Ltd. Jun 2017 Executive Officer; General Manager, General Planning Department; concurrently Manager, Related Business Division, The Iyo Bank Jun 2019 Managing Executive Officer; General Manager, General Planning Department; concurrently Manager, Related Business Division, The Iyo Bank Jun 2021 Managing Director, The Iyo Bank Jun 2022 Senior Managing Director (Representative Director), The Iyo Bank Oct 2022 Representative Director, Senior Managing Executive Officer of the Company (current) Jun 2025 Deputy President (Representative Director), The Iyo Bank (current)
1963-01-22
Hirohisa SENBA
Director, Managing Executive Officer
Apr 1988 Joined The Iyo Bank, Ltd. Jun 2019 Executive Officer; General Manager, Tokyo Branch; concurrently Manager, Market Sales Division, The Iyo Bank Jun 2020 Managing Executive Officer; General Manager, Tokyo Branch; concurrently Manager, Market Sales Division, The Iyo Bank Jun 2021 Managing Director; General Manager, Sales Headquarters, The Iyo Bank Jun 2022 Managing Director; General Manager, Corporate Sales Department, The Iyo Bank Oct 2022 Managing Executive Officer of the Company Jun 2023 Managing Director, The Iyo Bank Jun 2024 Director, Managing Executive Officer of the Company (current) Jun 2025 Senior Managing Director, The Iyo Bank (current)
1965-10-07
Masamichi ITO
Director, Audit and Supervisory Committee Member
Apr 1985 Joined The Iyo Bank, Ltd. Jun 2017 Executive Officer; General Manager, Hiroshima Branch, The Iyo Bank Jun 2019 Managing Executive Officer; General Manager, Ship Finance Department, The Iyo Bank Jun 2021 Managing Director, The Iyo Bank Oct 2022 Managing Executive Officer of the Company Jun 2023 Director, Managing Executive Officer of the Company Jun 2024 Director, Audit and Supervisory Committee Member of the Company (current)
1961-12-13
Keiji JOKO
Director, Audit and Supervisory Committee Member
Apr 1968 Joined Ehime Prefectural Government Apr 2006 Director-General, Department of Economy and Labor, Ehime Prefectural Government Apr 2008 Director-General, Department of Agriculture, Forestry and Fisheries, Ehime Prefectural Government Apr 2010 Senior Advisor, Ehime Prefectural Government Dec 2010 Special Assistant to the Governor, Ehime Prefectural Government Apr 2012 Vice Governor, Ehime Prefectural Government Aug 2014 Special Advisor, Ehime Prefectural Government Jun 2015 Chairman, Ehime Credit Guarantee Association Jun 2019 Director, Audit and Supervisory Committee Member, The Iyo Bank Oct 2022 Director, Audit and Supervisory Committee Member of the Company (current)
1950-02-03
Yoriko NOMA
Director, Audit and Supervisory Committee Member
Apr 1986 Registered as Attorney-at-Law Apr 1986 Joined Hayakawa Sogo Law Office (now Tokyo Hirakawa Law Office / Cosmo Law Office) Nov 1992 Joined Sakura Kyodo Law Office Jan 1995 Joined Oshima Sogo Law Office Feb 1999 Partner, Miyakezaka Sogo Law Office (current) Jun 2002 Corporate Auditor, Oracle Corporation Japan Apr 2017 Director-General, Japan Intellectual Property Arbitration Center Sep 2020 Corporate Auditor, Axis Consulting Co., Ltd. Jun 2021 Director, Audit and Supervisory Committee Member, The Iyo Bank Jun 2021 Corporate Auditor, Ages Co., Ltd. (current) Sep 2021 Director, Audit and Supervisory Committee Member, Axis Consulting Co., Ltd. Jan 2022 Director, Wilco Holdings Co., Ltd. Oct 2022 Director, Audit and Supervisory Committee Member of the Company (current) May 2025 Director, Shochiku Co., Ltd. (current)
1959-05-27
Hiroshi TAWA
Director, Audit and Supervisory Committee Member
Apr 1984 Joined Economic Planning Agency Dec 2012 Deputy Director-General, Japan Economic Revitalization Secretariat, Cabinet Secretariat Jul 2014 Director-General for Economic and Fiscal Analysis, Cabinet Office Jun 2016 Director-General for Economic and Social Systems; concurrently Director, Regulatory Reform Promotion Office, Cabinet Office Jul 2019 Senior Vice Minister, Cabinet Office Sep 2021 Administrative Vice Minister, Cabinet Office Oct 2021 Administrative Vice Minister, Cabinet Office; concurrently Deputy Secretary-General, Headquarters for Realizing New Capitalism Jul 2024 Advisor, Cabinet Office Jan 2025 Advisor, Japan Research Institute, Ltd. (current) Jun 2025 Director, Audit and Supervisory Committee Member of the Company (current)
1959-10-02
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-07
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-16
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-06-02
株主総会招集通知
TDnet
2026-02-10
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-12
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-08
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-26
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINETAmended
2024-12-20
Amended Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINET
2024-11-12
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2024-11-12
Amended Securities Registration Statement
EDINET
2024-11-08
Securities Registration Statement
TDnet
2024-08-09
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-28
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-15
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-14
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-30
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-13
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
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