Overview
Banks

Tsukuba Bank,Ltd.

Tsukuba Bank is a regional bank headquartered in Ibaraki Prefecture, Japan, providing comprehensive banking services including deposit-taking, lending, domestic and foreign exchange, investment trust sales, insurance sales, and securities intermediary services through its network of 141 branches and offices. The Bank focuses on deepening relationships with local retail and corporate customers in the Ibaraki/Tsukuba region, complemented by subsidiaries engaged in IT system development, consulting, and investment activities. The group comprises the Bank and three consolidated subsidiaries, and its shares are listed on the Tokyo Stock Exchange Prime Market.

Market Cap
¥50.8B
US$324M
EV
¥—B
Stock¥617▼-2.83%
US$1 = ¥156.80 (2026-10-23)
ROE
6.3%
* LTM NI / end-of-period equity
PBR
0.5
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+83.7%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Feb 5, 26Earnings: Full-year guidance raised
AI Briefing
Generating insights…
Performance & Balance
Revenue 5Y (¥B)
36.7US$234M'22/337.1US$237M'23/341.1US$262M'24/341.1US$262M'25/350.3US$321M'26/3
Net Income 5Y (¥B)
4.23US$27.0M'22/32.10US$13.4M'23/32.20US$14.0M'24/34.10US$26.2M'25/36.67US$42.5M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
520US$3.32B'22/3317US$2.02B'23/3342US$2.18B'24/3304US$1.94B'25/3161US$1.03B'26/3
Shareholders
Top 10 hold 60.9%
1
The Resolution and Collection Corporation
45.92%
2
The Master Trust Bank of Japan, Ltd. (Trust Account)
5.65%
3
Tsukuba Bank,Ltd. Stock Ownership Association
3.01%
4
Custody Bank of Japan, Ltd. (Trust Account)
1.61%
5
Hirosawa Seisakusho Co., Ltd.
1.04%
6
Mitsubishi UFJ eSmart Securities Co., Ltd.
0.92%
7
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
0.74%
8
DIMENSIONAL ETF TRUST-DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF (Standing Proxy: Citibank, N.A., Tokyo Branch)
0.73%
9
SBI SECURITIES Co., Ltd.
0.67%
10
Satoshi TAKAHASHI
0.62%
Management
12 officers
Masahiko IKUTA
Representative Director, President
Apr 1984 Joined Kanto Bank Apr 2006 Ishioka Branch Manager, Kanto Tsukuba Bank Jul 2007 Deputy General Manager, General Planning Department, the same bank Mar 2010 Deputy General Manager, General Planning Department, and Manager, Cooperation Promotion Office, the Bank Aug 2010 Kamisu Branch Manager and Senior Chief Investigator, Sales Headquarters, the same bank Jul 2012 Executive Officer and General Manager, General Planning Department, the same bank Apr 2014 Senior Executive Officer and General Manager, General Planning Department, the same bank Apr 2015 Senior Executive Officer and General Manager, Sales Headquarters, the same bank Jun 2015 Director and General Manager, Sales Headquarters, the same bank Apr 2016 Managing Director, the same bank Jun 2018 Director and Deputy President, the same bank Jun 2019 Director and President, the same bank (current)
1960-10-12
Satoshi SHINOHARA
Representative Director, Senior Managing Director
Apr 1985 Joined Kanto Bank Apr 2005 Yatsubeb Branch Manager, Kanto Tsukuba Bank Oct 2007 Deputy General Manager, Corporate Banking Department, the same bank Mar 2010 Deputy General Manager, Sales Planning Division, and Manager, Asset Management Promotion Office, the Bank Oct 2010 Chikusei Branch Manager, the same bank Jul 2012 Executive Officer and Chikusei Branch Manager, and Shimodate Branch Manager, the same bank Nov 2012 Executive Officer and Deputy General Manager, Sales Headquarters, the same bank Apr 2014 Senior Executive Officer and Deputy General Manager, Sales Headquarters, the same bank Apr 2015 Senior Executive Officer, General Manager, Sales Promotion Department, and Regional Headquarters General Manager, the same bank Jul 2015 Managing Executive Officer, General Manager, Sales Promotion Department, and Regional Headquarters General Manager, the same bank Oct 2015 Managing Executive Officer and General Manager, Sales Promotion Department, the same bank Apr 2016 Managing Executive Officer and General Manager, Sales Headquarters, the same bank Jun 2016 Director and General Manager, Sales Headquarters, the same bank Jun 2017 Managing Director and General Manager, Sales Headquarters, the same bank Jun 2018 Senior Managing Director and General Manager, Sales Headquarters, the same bank Apr 2019 Senior Managing Director, the same bank Apr 2025 Senior Managing Director and General Manager, Sales Headquarters, the same bank Jun 2026 Senior Managing Director, the same bank (current)
1961-04-22
Tsuyoshi OKANO
Managing Director
Apr 1988 Joined Ibaraki Sogo Bank Mar 2010 Deputy Manager, Personnel Department, the Bank Apr 2011 Deputy General Manager, Personnel Department, the same bank Oct 2011 Omika Branch Manager and Omika Ekimae Branch Manager, the same bank Jul 2013 Senior Chief Investigator, General Planning Department, the same bank Apr 2014 Manager, Public Relations Office, General Planning Department, the same bank Apr 2016 Deputy General Manager, General Planning Department, the same bank Apr 2017 General Manager, General Planning Department, the same bank Jul 2018 Executive Officer and General Manager, General Planning Department, the same bank Jul 2020 Senior Executive Officer and General Manager, General Planning Department, the same bank Jun 2022 Director and General Manager, General Planning Department, the same bank Jul 2022 Director, the same bank Jun 2023 Managing Director, the same bank (current)
1966-02-21
Hiroshi KOHATA
Managing Director
Mar 1987 Joined Toyo Sogo Bank Jan 2010 Secretary, Secretariat Office, Kanto Tsukuba Bank Mar 2010 Secretary, Secretariat Office, the Bank Oct 2011 Mitsukaidou Branch Manager, the same bank Jul 2014 Shimotsuma Sales Department Manager, the same bank Apr 2017 Chikusei Branch Manager, the same bank Apr 2019 Executive Officer, Tsukuba Sales Department Area Manager, Tsukuba Sales Department Manager, and Matsushiro Branch Manager, the same bank Aug 2019 Executive Officer, Tsukuba Sales Department Area Manager, Tsukuba Sales Department Manager, Matsushiro Branch Manager, and Gakuen Namiki Branch Manager, the same bank Nov 2020 Executive Officer, Tsukuba Sales Department Area Manager, Tsukuba Sales Department Manager, Matsushiro Branch Manager, Gakuen Namiki Branch Manager, and Tsukuba Kita Branch Manager, the same bank Jul 2022 Executive Officer and General Manager, General Planning Department, the same bank Jul 2023 Senior Executive Officer and General Manager, General Planning Department, the same bank Oct 2023 Senior Executive Officer, General Manager, General Planning Department, and Manager, Future Creation Office, the same bank Jun 2024 Director, the same bank Jun 2025 Managing Director, the same bank (current)
1968-10-16
Nobuhiro OKANO
Managing Director
Apr 1995 Joined Ibaraki Bank Jan 2010 Hitachino-Ushiku Branch Manager, the same bank Mar 2010 Hitachino-Ushiku Branch Manager, Kanto Tsukuba Bank Feb 2013 Choshi Branch Manager, the same bank Sep 2013 Hasaki Branch Manager and Choshi Branch Manager, the same bank Jul 2015 Hasaki Branch Manager, Choshi Branch Manager, and Asahi Branch Manager, the same bank Apr 2016 Manager, Sales Strategy Office, Business Planning Department, the same bank Oct 2019 Deputy General Manager, Business Planning Department, and Manager, Sales Strategy Office, the same bank Apr 2020 Deputy General Manager, General Planning Department, the same bank Jul 2024 Executive Officer and General Manager, General Planning Department, and Manager, Future Creation Office, the same bank Apr 2025 Executive Officer and General Manager, General Planning Department, the same bank Jun 2025 Director and General Manager, General Planning Department, the same bank Apr 2026 Director, the same bank Jun 2026 Managing Director, the same bank (current)
1971-08-29
Kunihiro MASHIKO
Director, General Manager of Sales Headquarters
Apr 1991 Joined Kanto Bank Nov 2008 Naka Branch Manager, Kanto Tsukuba Bank Mar 2010 Naka Branch Manager, the Bank Apr 2014 Deputy General Manager, General Planning Department, the same bank Apr 2016 Ushiku Branch Manager, the same bank Jun 2018 General Manager, Administrative Centralization Department, the same bank Apr 2019 Hitachi Branch Manager, the same bank Apr 2020 General Manager, Sales Promotion Department, the same bank Jul 2020 Executive Officer and General Manager, Sales Promotion Department, the same bank Apr 2022 Executive Officer and General Manager, Retail Solutions Department, the same bank Jul 2022 Executive Officer and Regional Headquarters General Manager, Sales Headquarters, the same bank Apr 2026 Executive Officer and Deputy General Manager, Sales Headquarters, the same bank Jun 2026 Director and General Manager, Sales Headquarters, the same bank (current)
1967-06-01
Hitoshi SAITO
Director
Apr 1985 Joined Kōa Fire & Marine Insurance Co., Ltd. Apr 2009 Hamamatsu Branch Manager, Nipponkoa Insurance Co., Ltd. Apr 2012 Ibaraki Branch Manager, the same company Apr 2014 Yokohama Bayside Branch Manager, the same company Sep 2014 Yokohama Bayside Branch Manager, Sompo Japan Nipponkoa Insurance Inc. (now Sompo Japan Insurance Inc.) Apr 2016 Director and Yokohama Bayside Branch Manager, the same company Apr 2017 Executive Officer and Nishi-Tokyo Branch Manager, the same company Mar 2019 Representative Director and Senior Vice President, Nagoya Hilton Co., Ltd. Jun 2023 Outside Audit & Supervisory Board Member, Mysurance Co., Ltd. (current) Jun 2023 Outside Director, Audit and Supervisory Committee Member, the Bank Jun 2023 Senior Managing Director, SOMPO Welfare Foundation (public interest foundation) (current) Jun 2024 Outside Director, the Bank (current)
1961-05-27
Satoshi OZAKI
Director, Full-time Audit and Supervisory Committee Member
Apr 1984 Joined Kanto Bank Jul 2007 Deputy General Manager, Loan Department, Kanto Tsukuba Bank Mar 2010 Deputy General Manager, Loan Department, the Bank Aug 2010 Ushiku Branch Manager, the same bank Oct 2011 General Manager, Loan Administration Department, the same bank Jul 2012 General Manager, Loan Department, the same bank Apr 2013 Executive Officer and Deputy General Manager, Loan Headquarters, the same bank Jul 2013 Executive Officer and General Manager, Loan Headquarters, the same bank Apr 2014 Senior Executive Officer and General Manager, Loan Headquarters, the same bank Jun 2015 Director and General Manager, Loan Headquarters, the same bank Apr 2016 Director, the same bank Jun 2017 Full-time Audit & Supervisory Board Member, the same bank Jun 2021 Director, Full-time Audit and Supervisory Committee Member, the same bank (current)
1962-03-24
Norie YOKOI
Director, Audit and Supervisory Committee Member
Mar 1998 Joined Andersen Consulting Jul 2000 Joined Talks Co., Ltd. Jul 2003 Joined Logistics Research Institute Foundation Apr 2011 Full-time Lecturer, Faculty of Logistics and Information, Ryutsu Keizai University Apr 2014 Associate Professor, Faculty of Logistics and Information, Ryutsu Keizai University Jun 2016 Outside Director, the Bank Apr 2019 Associate Professor, Faculty of Economics, Nihon University Apr 2019 Part-time Lecturer, Faculty of Logistics and Information, Ryutsu Keizai University Jun 2021 Outside Director, Audit and Supervisory Committee Member, the Bank (current) Apr 2022 Professor, Faculty of Economics, Nihon University (current)
1972-06-27
Daisuke SUZUKI
Director, Audit and Supervisory Committee Member
Apr 2000 Judicial Apprentice Oct 2001 Appointed Public Prosecutor Nov 2012 Joined Minato Sogo Law Office Aug 2017 Joined Atsumi & Sakai (Gaikokuho Kyodo Jigyo) Jun 2019 Outside Audit & Supervisory Board Member, the Bank Jun 2021 Outside Director, Audit and Supervisory Committee Member, the same bank (current) Jan 2022 Partner, Atsumi & Sakai (Gaikokuho Kyodo Jigyo) (current)
1972-05-30
Junichiro SEO
Director, Audit and Supervisory Committee Member
Apr 1973 Joined Bank of Japan May 1995 Aomori Branch Manager, the same bank Oct 1998 Fukuoka Branch Manager, the same bank May 2004 Part-time Audit & Supervisory Board Member, Sanwadoh Co., Ltd. (now DCM Co., Ltd.) Apr 2005 Deputy Representative Director, CRD Association (limited liability intermediate corporation) Jun 2009 Full-time Audit & Supervisory Board Member, The Chiba Bank, Ltd. Apr 2014 Director and President, J Mortgage Bank Co., Ltd. Jun 2017 Representative Director and President, Sinkdyne Co., Ltd. (now Kashiwabara Hands Co., Ltd.) Oct 2019 Chairman, Board of Directors, Kashiwabara Hands Co., Ltd. Jun 2021 Outside Director, Audit and Supervisory Committee Member, the Bank (current)
1948-12-27
Reiko MATSUDA
Director, Audit and Supervisory Committee Member
Oct 1986 Joined Minato Audit Corporation (now EY ShinNihon LLC) Mar 1990 Registered as Certified Public Accountant Jun 2003 Joined Azsa LLC Jan 2005 Joined ShinNihon Audit Corporation (now EY ShinNihon LLC) Jun 2006 Partner, the same firm Jul 2017 Senior Reviewer, Quality Control Committee, Self-Regulation and Operations Division, Japanese Institute of Certified Public Accountants Jul 2019 Chief Reviewer, Quality Control Committee, Self-Regulation Division, Japanese Institute of Certified Public Accountants Jul 2022 Technical Director, Self-Regulation Division, Japanese Institute of Certified Public Accountants Jun 2024 Outside Audit & Supervisory Board Member, Sumitomo Riko Company Limited Jun 2024 Outside Director, Audit and Supervisory Committee Member, the Bank (current)
1961-02-19
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-06
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-05
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-27
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-07
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-05
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-25
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-02
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-26
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-05
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-16
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-03
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-22
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-06
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-28
Quarterly Securities Report
EDINET
2022-08-08
Quarterly Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-07
Quarterly Securities Report
EDINET
2021-11-25
Quarterly Securities Report
EDINET
2021-08-10
Quarterly Securities Report
EDINET
2021-06-24
Annual Securities Report
EDINET
2021-02-08
Quarterly Securities Report
Ask AI
I have this company's financials, ownership, and management on hand. Ask me anything from an M&A perspective.
End of Preview

Try the full product

Free demo (no time limit, up to 10 companies). Explore Comps, DCF, LBO, WACC on every screen. Excel export is on the paid plan.

Free Demo (No Time Limit, 10 Companies) →