Overview
Banks

The Yamagata Bank,Ltd.

The Yamagata Bank is a regional financial institution headquartered in Yamagata Prefecture, Japan, providing core banking services including deposit-taking, lending, and foreign exchange to retail and corporate customers across the region. Through its group of 7 consolidated subsidiaries, the Bank offers a comprehensive suite of financial services encompassing leasing, credit guarantee, card services, and capital investment. The Bank operates 84 branches and serves as a key financial intermediary supporting the local economy of Yamagata Prefecture.

Market Cap
¥131B
US$837M
EV
¥—B
Stock¥4,230▼-0.94%
US$1 = ¥156.80 (2026-10-23)
ROE
4.9%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+139.8%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
44.0US$281M'22/351.2US$326M'23/355.1US$351M'24/352.9US$337M'25/363.3US$404M'26/3
Net Income 5Y (¥B)
3.40US$21.7M'22/33.44US$21.9M'23/32.08US$13.3M'24/34.41US$28.1M'25/36.53US$41.6M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
636US$4.06B'22/3241US$1.54B'23/3189US$1.20B'24/3201US$1.28B0.02US$0.10M'25/3186US$1.19B0.00US$0.01M'26/3
Shareholders
Top 10 hold 27.3%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
8.13%
2
Meiji Yasuda Life Insurance Company (Standing Proxy: Custody Bank of Japan, Ltd.)
3.88%
3
Ryowa Kyowa Co., Ltd.
3.84%
4
Sumitomo Life Insurance Company (Standing Proxy: Custody Bank of Japan, Ltd.)
2.25%
5
Sumitomo Realty & Development Co.,Ltd.
1.92%
6
Custody Bank of Japan, Ltd. (Trust Account)
1.92%
7
Nippon Life Insurance Company (Standing Proxy: The Master Trust Bank of Japan, Ltd.)
1.58%
8
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.34%
9
Godo Shigen Co., Ltd.
1.31%
10
The Yamagata Bank,Ltd. Employee Stock Ownership Association
1.11%
Management
10 officers
Eiji SATO
Representative Director, President
Apr 1987 Joined The Yamagata Bank, Ltd. Jun 2009 General Manager, Corporate Banking Department, Sakata Branch Apr 2012 Deputy General Manager, Business Planning Department Jun 2014 General Manager, Sales Support Department Jun 2017 Director; General Manager, Yonezawa Branch and Yonezawa-Kita Branch (additional) Jun 2020 Managing Director Jun 2022 Senior Managing Director Jun 2023 Director, President (current)
1964-06-05
Shinichiro MIURA
Representative Director, Senior Managing Director
Apr 1994 Joined The Mitsubishi Bank, Ltd. (now MUFG Bank, Ltd.) Jun 2005 Managing Director, The Yamagata Bank, Ltd. Jun 2014 Senior Managing Director Jun 2020 Senior Managing Director; General Manager, Corporate Management Headquarters (additional) Jun 2022 Senior Managing Director (current)
1971-12-27
Yutaka FUJIYAMA
Director, Managing Executive Officer
Apr 1988 Joined The Yamagata Bank, Ltd. Jul 2010 General Manager, Karikawa Branch Jul 2012 Deputy General Manager, Loan Department Sep 2015 General Manager, Kotobukicho Branch Jun 2017 General Manager, Loan Department Jun 2019 Director; General Manager, Loan Department (additional) Jun 2021 Managing Director Jun 2024 Director, Managing Executive Officer (current)
1965-11-14
Hiroyuki SASA
Director, Managing Executive Officer
Apr 1990 Joined The Yamagata Bank, Ltd. Oct 2014 General Manager, Kamimachi Branch Oct 2015 Deputy General Manager, Loan Department Jun 2018 General Manager, Human Resources and General Affairs Department Oct 2019 General Manager, Corporate Planning Department Jun 2022 Director; General Manager, Corporate Planning Department (additional) Jun 2023 Director, Full-time Audit and Supervisory Committee Member Jun 2024 Managing Executive Officer Jun 2025 Director, Managing Executive Officer (current)
1967-06-09
Yumiko INOUE
Director
Feb 1996 Joined Takashima Denki Co., Ltd. as Director Feb 2001 Managing Director, Takashima Denki Co., Ltd. Jul 2003 Representative Director, President, Takashima Denki Co., Ltd. Aug 2009 Chairperson, Miyagi-Yamagata Women's Exchange Organization Feb 2011 Representative Director, Chairman, Takashima Denki Co., Ltd. Jun 2012 Vice President, Yamagata Chamber of Commerce and Industry Jun 2015 Director, The Yamagata Bank, Ltd. (current) Apr 2017 Member, Management Council, Yamagata University (national university corporation) Feb 2022 Representative Director, Chairman and President, Takashima Denki Co., Ltd. Feb 2025 Chairman, Takashima Denki Co., Ltd. (current)
1947-07-27
Takuji ISHIZAWA
Director, Managing Executive Officer
Apr 1992 Joined The Yamagata Bank, Ltd. Oct 2016 General Manager, Yonezawa-Ekimae Branch Apr 2018 General Manager, Systems Planning Department Oct 2019 General Manager, Human Resources and General Affairs Department Jun 2023 General Manager, Corporate Planning Department Jun 2024 Executive Officer; General Manager, Corporate Planning Department Jun 2025 Managing Executive Officer (current) In charge of Risk Management Division
Hiroki TAKAHASHI
Director
Apr 1981 Joined Yamagata Prefectural Government Apr 2008 Deputy Director, Tokyo Office Apr 2009 Director, Information Planning Division, General Affairs Department Apr 2011 Director, Planning Coordination Division, Planning and Promotion Department Apr 2012 Director, Personnel Division, General Affairs Department Apr 2013 Deputy Director-General, General Affairs Department Apr 2014 Director-General, Planning and Promotion Department Apr 2017 Chief Administrator, Enterprise Bureau, Yamagata Prefectural Government Apr 2022 Superintendent of Education, Yamagata Prefectural Board of Education Mar 2025 Retired
Naoto HIROTA
Director, Audit and Supervisory Committee Member
Apr 1981 Joined The Mitsubishi Bank, Ltd. (now MUFG Bank, Ltd.) Jun 2009 Executive Officer, MUFG Bank, Ltd. Apr 2011 Vice President and Director, Mitsubishi UFJ Morgan Stanley Securities Co., Ltd. Jun 2014 Managing Director, MUFG Bank, Ltd. Jun 2015 Senior Managing Director, MUFG Bank, Ltd. Jun 2017 Director, Audit and Supervisory Committee Member, MUFG Bank, Ltd. Jun 2021 Chairman, Chitose Corporation; Outside Director (Audit and Supervisory Committee Member), Simplex Holdings, Inc. (current) Jun 2023 Outside Director, Omikenshi Co., Ltd. (current) Jun 2025 Director, Audit and Supervisory Committee Member, The Yamagata Bank, Ltd. (current)
1958-06-04
Akiko OKAMOTO
Director, Audit and Supervisory Committee Member
Dec 2008 Registered with Tokyo Bar Association; joined Matsuda Sogo Law Office Aug 2015 Seconded to PricewaterhouseCoopers Co., Ltd. (now PwC Advisory LLC) (until Aug 2016) Nov 2015 Special Lecturer, Chiba University of Commerce Mar 2018 Director, Audit and Supervisory Committee Member, Global Dining Inc. Jun 2018 Registered as Certified Social Insurance and Labor Consultant Jan 2021 Partner Attorney, Matsuda Sogo Law Office (current) Jun 2024 Director, Audit and Supervisory Committee Member, The Yamagata Bank, Ltd. (current) May 2025 Outside Audit & Supervisory Board Member, Rise Consulting Group, Inc. (current)
1980-10-28
Kiyohiko TAKASHIMA
Director, Audit and Supervisory Committee Member
Mar 1991 Registered as Certified Public Accountant Jul 2011 Senior Partner, Shin Nihon LLC (now EY ShinNihon LLC) Jul 2014 Head, Yamagata Office, Shin Nihon LLC (now EY ShinNihon LLC) Feb 2021 Head, Fukushima Office and Yamagata Office, EY ShinNihon LLC Jul 2022 Director, Japanese Institute of Certified Public Accountants (current) Jun 2025 Chairman, Tohoku Chapter, Japanese Institute of Certified Public Accountants (current) Dec 2025 Withdrew as partner, EY ShinNihon LLC Jan 2026 Head, Kiyohiko Takashima CPA Office (current)
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-03
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-06-01
株主総会招集通知
TDnet
2026-02-09
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-26
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-24
Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2025-02-06
Amended Securities Registration Statement
EDINET
2025-02-05
Securities Registration Statement
TDnet
2025-02-03
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-26
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-31
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-21
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-06
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-21
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-08
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-23
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-07
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-22
Quarterly Securities Report
EDINET
2022-08-09
Quarterly Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-08
Quarterly Securities Report
EDINET
2021-11-16
Quarterly Securities Report
EDINETAmended
2021-08-11
Amended Annual Securities Report
EDINET
2021-08-10
Quarterly Securities Report
EDINET
2021-06-24
Annual Securities Report
EDINET
2021-02-09
Quarterly Securities Report
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