Overview
Banks

Juroku Financial Group,Inc.

Juroku Financial Group is a regional financial holding company centered on Juroku Bank, which operates 159 branches (including head office) primarily in Gifu and Aichi prefectures, providing deposit-taking, lending, domestic and foreign exchange, derivatives, and securities services. Beyond core banking, the Group offers leasing (Juroku Lease), credit card services, settlement and digital solutions, M&A advisory, and regional revitalization consulting through its subsidiaries. The Group positions itself as a comprehensive financial partner for local individuals and corporates, with growing emphasis on ESG-integrated business assessment and digital banking services.

Market Cap
¥400B
US$2.55B
EV
¥—B
Stock¥2,261▼-3.33%
US$1 = ¥156.80 (2026-10-23)
ROE
5.6%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+82.8%pt
1001234
Oct 24, 25 – Oct 23, 26StockTOPIX
1Feb 13, 26Profit-taking before quarterly results
2Mar 4, 26Market-wide: inflation concerns resurge
3Mar 9, 26Market-wide: following US stock decline
4Apr 1, 26Stock split implemented (1:5 split)
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Generating insights…
Performance & Balance
Revenue 5Y (¥B)
117US$748M'22/3113US$719M'23/3129US$822M'24/3136US$869M'25/3169US$1.08B'26/3
Net Income 5Y (¥B)
17.2US$110M'22/318.6US$119M'23/319.3US$123M'24/320.8US$133M'25/327.4US$175M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
2,131US$13.6B'22/3747US$4.77B'23/3968US$6.18B'24/31,070US$6.82B'25/31,095US$6.98B'26/3
Shareholders
Top 10 hold 30.8%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
10.52%
2
Custody Bank of Japan, Ltd. (Trust Account)
5.52%
3
Fujipan Group Headquarters Co., Ltd.
2.70%
4
Juroku Financial Group,Inc. Employee Stock Ownership Association
2.36%
5
Meiji Yasuda Life Insurance Company
2.09%
6
JPMorgan Securities Japan Co., Ltd.
1.93%
7
STATE STREET BANK AND TRUST COMPANY505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.57%
8
SEINO HOLDINGS CO.,LTD.
1.44%
9
STATE STREET BANK AND TRUST COMPANY505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.36%
10
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.28%
Management
10 officers
Naoki IKEDA
Representative Director, President and Group CEO
Apr 1980: Joined The Juroku Bank, Ltd. Apr 2005: Branch Manager, Takayama Branch, The Juroku Bank Jun 2008: Director, Nagoya Branch Manager, The Juroku Bank Apr 2012: Director, General Manager, Nagoya Sales Department, The Juroku Bank Jun 2013: Managing Director, General Manager, Administration Department, The Juroku Bank Sep 2013: Managing Director, The Juroku Bank Jun 2014: Director, Deputy President (Representative Director), The Juroku Bank Oct 2021: President (Representative Director), Juroku Financial Group, Inc. (current) Oct 2021: Director, The Juroku Bank (current) Jun 2026: Scheduled to assume office as Representative Director, President and Group CEO, Juroku Financial Group, Inc.
1957-04-04
Yukihiro SHIRAKI
Representative Director, Vice President, Group COO and Group CSO
Apr 1985: Joined The Juroku Bank, Ltd. Jun 2016: Managing Executive Officer, General Manager, Aichi Sales Division, The Juroku Bank Jun 2017: Director, Managing Executive Officer, General Manager, Aichi Sales Division and Deputy General Manager, Sales Management Division, The Juroku Bank Apr 2019: Director, Managing Executive Officer, General Manager, Sales Management Division, The Juroku Bank Apr 2021: Director, Managing Executive Officer, General Manager, Sales Support Division, The Juroku Bank Oct 2021: Director, Senior Managing Executive Officer, General Manager, Group Sales Management Division, Juroku Financial Group, Inc. Oct 2021: President (Representative Director), Juroku Lease Co., Ltd. (current) Mar 2025: President (Representative Director), Juroku Credit Guarantee Co., Ltd. Apr 2026: Director, Senior Managing Executive Officer, General Manager, Group Strategy Division, Juroku Financial Group, Inc. (current) Jun 2026: Scheduled to assume office as Representative Director, Vice President, Group COO and Group CSO, Juroku Financial Group, Inc.
1963-01-07
Kyohei TANEMURA
Director, Executive Officer (Assistant to Group CEO, Group CAO)
Apr 1996: Joined The Juroku Bank, Ltd. Jun 2023: Executive Officer, Deputy General Manager, Group Planning Division, Juroku Financial Group, Inc. Jun 2023: Executive Officer, General Manager, Management Planning Department, The Juroku Bank Jun 2025: Executive Officer, General Manager, Group Planning Division, Juroku Financial Group, Inc. Jun 2025: Managing Executive Officer, The Juroku Bank (current) Apr 2026: Executive Officer, General Manager, Group Planning Department, Juroku Financial Group, Inc. (current) Jun 2026: Scheduled to assume office as Director, Executive Officer (Assistant to Group CEO, Group CAO), Juroku Financial Group, Inc. Jun 2026: Scheduled to assume office as Representative Director, President, The Juroku Bank
1974-03-27
Tomoko SHIOZAKI
Director, Executive Officer (Group CRO, Group CSuO)
Apr 1995: Joined The Juroku Bank, Ltd. Jun 2023: Executive Officer, General Manager, Sustainability Division, Juroku Financial Group, Inc. Jun 2023: Executive Officer, General Manager, Sustainability Promotion Department, The Juroku Bank Jun 2024: Director, Executive Officer, General Manager, Sustainability Division, Juroku Financial Group, Inc. Jun 2025: Director, Executive Officer, General Manager, Group Risk Management Division and General Manager, Sustainability Division, Juroku Financial Group, Inc. Jun 2025: Managing Executive Officer, General Manager, Sustainability Promotion Department, The Juroku Bank (current) Apr 2026: Director, Executive Officer, General Manager, Group Risk Management Department and General Manager, Group Sustainability Promotion Department, Juroku Financial Group, Inc. (current) Jun 2026: Scheduled to assume office as Director, Executive Officer (Group CRO, Group CSuO), Juroku Financial Group, Inc. Jun 2026: Scheduled to assume office as Senior Managing Executive Officer (Representative Director), The Juroku Bank
1972-08-30
Sunao OKIMOTO
Director, Executive Officer (Group CFO)
Apr 1998: Joined The Juroku Bank, Ltd. Jun 2025: Executive Officer, Deputy General Manager, Group Planning Division and Deputy General Manager, Group Risk Management Division, Juroku Financial Group, Inc. Jun 2025: Executive Officer, General Manager, Management Planning Department and General Manager, Risk Management Department, The Juroku Bank (current) Apr 2026: Executive Officer, Deputy General Manager, Group Planning Department and Deputy General Manager, Group Risk Management Department, Juroku Financial Group, Inc. (current) Jun 2026: Scheduled to assume office as Director, Executive Officer (Group CFO), Juroku Financial Group, Inc.
1975-08-08
Akito YAMASHITA
Director (Audit and Supervisory Committee Member)
Apr 1988: Joined The Juroku Bank, Ltd. Jun 2019: Executive Officer, Branch Manager, Okazaki Branch, The Juroku Bank Oct 2020: President (Representative Director), Juroku Business Service Co., Ltd. Oct 2021: Full-time Audit & Supervisory Board Member, The Juroku Bank Jun 2024: Director (Audit and Supervisory Committee Member), Juroku Financial Group, Inc. (current) Jun 2026: Scheduled to assume office as Audit & Supervisory Board Member, The Juroku Bank
1965-08-30
Satoko ITO
Director
Oct 1989: Began career as a news and information program caster Apr 2010: Visiting Professor, Graduate School of Business Creation (now Kaishi Sozo University Graduate School) (current) Apr 2015: Part-time Lecturer, Niigata University (current) Jun 2020: Director, The Juroku Bank Oct 2021: Director, Juroku Financial Group, Inc. (current) Apr 2025: Representative Director, Satoko Ito Office Co., Ltd. (current)
1967-07-03
Yasushi UEDA
Director
Apr 1988: Joined Meiji Life Insurance Company (now Meiji Yasuda Life Insurance Company) Apr 2017: Executive Officer, General Manager, Profit Management Department, Meiji Yasuda Life Insurance Company Apr 2018: Executive Officer, Meiji Yasuda Life Insurance Company Apr 2019: Managing Executive Officer, Meiji Yasuda Life Insurance Company Apr 2020: Managing Executive Officer, Group Chief Actuary, Meiji Yasuda Life Insurance Company Apr 2021: Managing Executive Officer, Group CRO, Meiji Yasuda Life Insurance Company Jun 2023: Director, Juroku Financial Group, Inc. (current) Apr 2024: Senior Managing Executive Officer, Group CRO, Meiji Yasuda Life Insurance Company Apr 2026: Senior Managing Executive Officer, Group Chief Actuary and CFO, Meiji Yasuda Life Insurance Company (current)
1963-03-11
Shinji ISHIHARA
Director (Audit and Supervisory Committee Member)
Apr 1985: Registered as attorney-at-law Apr 1985: Joined Ishihara Law Office (now Ishihara Sogo Law Office) Aug 2011: Head, Ishihara Sogo Law Office (current) Jun 2018: Audit & Supervisory Board Member, The Juroku Bank Oct 2021: Director (Audit and Supervisory Committee Member), Juroku Financial Group, Inc. (current) Dec 2022: Representative Director, Aibenkyo Service Co., Ltd. (current)
1954-11-03
Rie TSUGE
Director (Audit and Supervisory Committee Member)
Apr 1990: Joined Tohmatsu Audit Corporation (now Deloitte Touche Tohmatsu LLC), Nagoya Office Apr 1995: Registered as Certified Public Accountant Jan 1999: Head, Tsuge Certified Public Accountant Office (current) Jun 2007: Representative Director, La Vida Planning Co., Ltd. (current) Oct 2021: Director (Audit and Supervisory Committee Member), Juroku Financial Group, Inc. (current)
1968-03-09
Large Shareholding Reports
Nomura Asset Management Co., Ltd.
2026-10-07
3.90%
Nomura Asset Management Co., Ltd.
2026-05-22
4.11%→4.20%
Nomura Asset Management Co., Ltd.
2026-01-08
4.11%
Disclosures
No disclosures
Primary Source Filings
EDINET
2026-10-07
Large Shareholding Report
TDnet
2026-08-04
Q1 Earnings Flash
FY ending Mar 2027
TDnet
2026-07-22
中期経営計画
EDINET
2026-06-11
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-05-22
Large Shareholding Report
TDnet
2026-01-29
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2026-01-08
Large Shareholding Report
EDINET
2025-11-26
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-29
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-12
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-29
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-26
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-26
Q1 Earnings Flash
FY ending Mar 2025
EDINETAmended
2024-07-02
Amended Securities Registration Statement
EDINETAmended
2024-06-26
Amended Securities Registration Statement
EDINETAmended
2024-06-24
Amended Securities Registration Statement
EDINETAmended
2024-06-24
Amended Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-06-20
Securities Registration Statement
EDINET
2024-06-20
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-08
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-29
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-08
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-16
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-13
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-05
Quarterly Securities Report
EDINET
2022-06-17
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
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