Overview
Banks

CCI Group,Inc.

CCI Group is a regional financial services group centered on banking operations, complemented by leasing, consumer finance credit guarantees, credit card services, and EC mall operations. The group also provides debt collection management, system development and operations, investment advisory, consulting, administrative outsourcing, and fund management services. Its competitive strength lies in deep regional roots and the combined capabilities of its group companies to deliver seven categories of value to local communities.

Market Cap
¥240B
US$1.53B
EV
¥—B
Stock¥1,084▼-3.47%
US$1 = ¥156.80 (2026-10-23)
ROE
5.5%
* LTM NI / end-of-period equity
PBR
0.9
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+42.9%pt
10012
Oct 24, 25 – Oct 23, 26StockTOPIX
1Mar 4, 26Market-wide: Stock market correction (TOPIX-3.7%)
2Mar 9, 26Market-wide: Stock market correction (TOPIX-3.8%)
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Performance & Balance
Revenue 5Y (¥B)
84.7US$540M'22/384.7US$540M'23/390.8US$579M'24/389.6US$571M'25/3167US$1.07B'26/3
Net Income 5Y (¥B)
9.39US$59.9M'22/38.74US$55.7M'23/39.06US$57.7M'24/38.12US$51.8M'25/312.6US$80.6M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
1,605US$10.2B20.0US$128M'22/31,348US$8.60B20.0US$128M'23/31,571US$10.0B20.0US$128M'24/31,642US$10.5B20.0US$128M'25/31,368US$8.72B'26/3
Shareholders
Top 10 hold 39.4%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
13.18%
2
Custody Bank of Japan, Ltd. (Trust Account)
11.50%
3
Hokuriku Electric Power Company
2.98%
4
CCI Group,Inc. Employee Stock Ownership Association
2.41%
5
DFA INTL SMALL CAP VALUE PORTFOLIO (Standing Proxy: Citibank Japan Ltd.)
1.72%
6
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.66%
7
DAIDO KOGYO CO.,LTD.
1.65%
8
Hokkoku Shimbun Co., Ltd.
1.63%
9
Sawade Shoji Co., Ltd.
1.44%
10
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.26%
Management
9 officers
Shuji TSUEMURA
Representative Director, President
Apr 1985 Joined The Hokuriku Bank, Ltd. Jun 2008 Executive Officer, General Manager of General Planning Department and Systems Department, The Hokuriku Bank Jun 2009 Director and Executive Officer, General Manager of General Planning Department and General Affairs Department, The Hokuriku Bank Jun 2010 Managing Director and Executive Officer, General Manager of General Planning Department and General Affairs Department, The Hokuriku Bank Apr 2011 Managing Director and Executive Officer, General Manager of General Planning Department, The Hokuriku Bank Apr 2013 Managing Director and Executive Officer, The Hokuriku Bank Jun 2013 Senior Managing Director (Representative Director), The Hokuriku Bank Jun 2020 Director and President (Representative Director), The Hokuriku Bank Oct 2021 Representative Director, President, the Company (current)
1961-07-06
Takeshi IKAWA
Representative Director, Managing Executive Officer, General Manager of Systems Division
Apr 1988 Joined The Hokuriku Bank, Ltd. Apr 2017 Executive Officer, General Manager of General Affairs Department and Systems Department, The Hokuriku Bank Nov 2019 Representative Director, President, Digital Value Co., Ltd. Mar 2021 Managing Executive Officer, General Manager of Systems Department, The Hokuriku Bank Mar 2022 Managing Executive Officer, General Manager of General Planning Department, the Company Mar 2023 Director and Managing Executive Officer, Digital Value Co., Ltd. Mar 2025 Managing Executive Officer, General Manager of Systems Division, the Company Jun 2025 Representative Director, Managing Executive Officer, General Manager of Systems Division, the Company (current)
1965-05-28
Tomohiko KIKUZAWA
Director, Managing Executive Officer
Apr 1991 Joined The Hokuriku Bank, Ltd. Apr 2020 Executive Officer, General Manager of Marketing Department, The Hokuriku Bank Mar 2021 Executive Officer, General Manager of General Planning Department, The Hokuriku Bank Mar 2022 Executive Officer, General Manager of General Planning Department, the Company Mar 2023 Managing Executive Officer, General Manager of General Planning Department, the Company; Managing Executive Officer, General Manager of General Planning Department, The Hokuriku Bank Mar 2024 Representative Director, President, CC Innovation Co., Ltd. May 2024 Outside Director, Audit and Supervisory Committee Member, Daiwa Co., Ltd. (current) Jun 2025 Director, Managing Executive Officer, the Company (current) Dec 2025 Chairman of the Board, CC Innovation Co., Ltd. (current)
1967-10-31
Sakon UDA
Director
Apr 1981 Joined Nippon Kokan K.K. (now JFE Holdings, Inc.) Jul 1989 Joined McKinsey & Company, Inc. Dec 1995 Principal (Partner), McKinsey & Company, Inc. Feb 2006 Executive Officer, Japan Post Holdings Co., Ltd. Oct 2007 Senior Managing Executive Officer, Japan Post Holdings Co., Ltd. May 2010 Professor, Graduate School, Business Breakthrough University Jul 2010 Executive Officer, Chief Operating Officer (COO), Tokyo Star Bank, Limited Jun 2011 Outside Director, Ebara Corporation Jun 2014 Director, Business Breakthrough, Inc. Apr 2016 Vice President, Business Breakthrough University Nov 2017 Member, Tokyo Metropolitan City Planning Council Mar 2019 Independent Outside Director, Chairman of the Board, Ebara Corporation Jun 2021 Outside Director, CC Innovation Co., Ltd. Jun 2022 Outside Director, Audit and Supervisory Committee Member, Dream Incubator Inc. (current) Jun 2022 Vice Chairman, Director, Strategy Advisors Co., Ltd. Dec 2022 Outside Director, Audit and Supervisory Committee Member, Pacific Consultants Holdings Co., Ltd. (current) May 2023 Outside Director, Ichigo Inc. (current) Jun 2023 Outside Director, Audit and Supervisory Committee Member, the Company Jun 2025 Outside Director, the Company (current)
1955-05-22
Fumihiko HAGA
Director
Apr 1985 Joined IBM Japan, Ltd. Jan 2015 Director, General Manager of Financial Services 5th Business Division, Industry Business Unit, IBM Japan, Ltd. Jun 2016 Executive Officer, General Manager of Financial Services 5th Business Division, Industry Business Unit, IBM Japan, Ltd. Sep 2018 Executive Officer, General Manager of Financial Services 2nd Sales Division, GTS Business Unit, IBM Japan, Ltd. Jan 2020 Executive Officer, General Manager of Financial Services 2nd Business Division, GTS Business Unit, IBM Japan, Ltd. Sep 2021 Senior Executive Officer, General Manager of Financial Services Business, Kyndryl Japan G.K. Feb 2022 Senior Executive Officer, General Manager of Financial Services Business, Kyndryl Japan K.K. Aug 2022 Senior Executive Officer, General Manager of Financial Services Business, in charge of Business Transformation Promotion, Kyndryl Japan K.K. Jan 2023 Senior Executive, Kyndryl Japan K.K. Jun 2023 Outside Director, Audit and Supervisory Committee Member, the Company Jun 2023 Representative Director, President, Miyagin Digital Solutions Co., Ltd. (current) Jun 2025 Outside Director, the Company (current)
1963-02-04
Aki YOKOKOSHI
Director, Audit and Supervisory Committee Member
Apr 1994 Joined The Hokuriku Bank, Ltd. Mar 2022 Executive Officer, General Manager of Human Resources Development Department, The Hokuriku Bank; Executive Officer, General Manager of Human Resources Development Department, the Company Mar 2023 Managing Executive Officer, General Manager of Human Resources Development Department, the Company; Managing Executive Officer, General Manager of Human Resources Development Department, The Hokuriku Bank Mar 2025 Managing Executive Officer, the Company Jun 2025 Director, Audit and Supervisory Committee Member, the Company (current) Auditor, The Hokuriku Bank (current) Outside Director, Audit and Supervisory Committee Member, Komatsu Matere Co., Ltd. (current)
1971-09-04
Kimie HARADA
Director, Audit and Supervisory Committee Member
Apr 1997 Full-time Researcher, Japan Securities Research Institute Apr 2001 Full-time Lecturer, Faculty of Economics, Daito Bunka University Apr 2004 Associate Professor, Graduate School of International Accounting, Chuo University Apr 2007 Associate Professor, Graduate School of International Accounting, Chuo University Jan 2011 Member, Subcommittee on Fiscal Investment and Loan Program, Fiscal System Council, Ministry of Finance Apr 2011 Associate Professor, Faculty of Commerce, Chuo University Apr 2012 Professor, Faculty of Commerce, Chuo University (current) Jan 2013 Member, Financial System Council, Financial Services Agency Mar 2017 Member, Customs and Foreign Exchange Council, Ministry of Finance (current) Oct 2020 Member, Market System Working Group, Financial Services Agency Jun 2022 Outside Director, Mitsubishi UFJ Asset Management Co., Ltd. (current) Jun 2023 Outside Director, Audit and Supervisory Committee Member, the Company (current) Jun 2025 Outside Director, Keio Corporation (current)
1968-08-21
Michio KITAHARA
Director, Audit and Supervisory Committee Member
Apr 1983 Joined Bank of Japan May 2011 General Manager, Kanazawa Branch, Bank of Japan Jul 2013 Deputy Director-General, Planning Bureau, and Deputy Secretary, Policy Board, Bank of Japan Apr 2015 Director, Aioi Nissay Dowa Insurance Co., Ltd. Apr 2017 Executive Officer, Aioi Nissay Dowa Insurance Co., Ltd. Jun 2019 Director and Executive Officer, Aioi Nissay Dowa Insurance Co., Ltd. Apr 2021 Director and Managing Executive Officer, Aioi Nissay Dowa Insurance Co., Ltd. Apr 2023 Advisor, Aioi Nissay Dowa Insurance Co., Ltd. Apr 2025 Advisor, Aioi Nissay Dowa Insurance Co., Ltd. (current) Advisor, Imakurie Co., Ltd. (current) Jun 2025 Outside Director, Audit and Supervisory Committee Member, the Company (current)
1960-02-18
Sakae KOMIYAMA
Director, Audit and Supervisory Committee Member
Oct 1988 Joined Eiwa Audit Corporation (now Azusa Audit LLC) Apr 2014 Joined Imanishi Tax Accountant Corporation (current) Jul 2015 Auditor, Government Pension Investment Fund (GPIF) Oct 2017 Member of the Board of Management and Audit Committee, Government Pension Investment Fund (GPIF) Aug 2020 Outside Director, Audit and Supervisory Committee Member, Piolax, Inc. (current) Jun 2022 Auditor, Narumiya International Co., Ltd. May 2024 Outside Director, Audit and Supervisory Committee Member, Narumiya International Co., Ltd. Jun 2025 Outside Director, Audit and Supervisory Committee Member, the Company (current) Sep 2025 Auditor, Japan Agency for Medical Research and Development (AMED) (current)
1965-10-03
Large Shareholding Reports
Sumitomo Mitsui DS Asset Management Company, Limited
2026-06-03
10.70%→9.78%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-30
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-12
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-06-03
Large Shareholding Report
EDINET
2026-02-27
Securities Registration Statement
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-20
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-30
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-12
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2025-01-31
Securities Registration Statement
EDINET
2024-11-18
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-31
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-18
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINETAmended
2024-06-18
Amended Securities Registration Statement
EDINET
2024-06-14
Securities Registration Statement
EDINET
2024-02-05
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-20
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-09
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-22
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-15
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINETAmended
2022-07-08
Amended Annual Securities Report
EDINET
2022-06-15
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
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