Overview
Banks

The Ehime Bank,Ltd.

Ehime Bank is a regional bank headquartered in Matsuyama, Ehime Prefecture, operating under the 'Himegин Group' brand with a network of 1 head office, 98 branches, and 12 sub-branches across the region. The Bank provides a full range of banking services including deposit-taking, lending, domestic and foreign exchange, investment trusts, insurance, and internet banking, serving retail and corporate customers primarily in Ehime Prefecture. Its group companies extend into leasing (Himegин Lease), credit card processing (Ehime JCB), IT services (Himegин Soft), and ship finance support (Nishiseto Marine Partners), as well as venture and agricultural investment funds targeting regional economic development.

Market Cap
¥133B
US$847M
EV
¥—B
Stock¥3,405▼-1.45%
US$1 = ¥157.05 (2026-10-22)
ROE
5.0%
* LTM NI / end-of-period equity
PBR
0.9
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+152.9%pt
10012
Oct 22, 25 – Oct 22, 26StockTOPIX
1Mar 9, 26Market-wide: Rate hike concern adjustment
2Oct 19, 26Ariake Capital, Inc. filed large shareholding report
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Performance & Balance
Revenue 5Y (¥B)
42.2US$269M'22/352.1US$332M'23/365.2US$415M'24/366.1US$421M'25/368.5US$436M'26/3
Net Income 5Y (¥B)
5.78US$36.8M'22/35.39US$34.3M'23/35.06US$32.2M'24/35.72US$36.4M'25/37.21US$45.9M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
339US$2.16B'22/3218US$1.39B'23/3204US$1.30B'24/3268US$1.71B0.00US$0.02M'25/3344US$2.19B0.00US$0.01M'26/3
Shareholders
Top 10 hold 27.7%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
7.66%
2
Custody Bank of Japan, Ltd. (Trust Account)
3.66%
3
The Ehime Bank,Ltd. Stock Ownership Association
3.18%
4
IYOTETSU Group Co., Ltd.
2.87%
5
Daio Kaiun Co., Ltd.
2.55%
6
Daio Paper Corporation
1.91%
7
Tokyo Paper Pulp Trading Co., Ltd.
1.90%
8
Sumitomo Life Insurance Company
1.52%
9
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.27%
10
Daiwa Securities Group Inc.
1.16%
Management
15 officers
Yoshinori NISHIKAWA
President, Representative Director
Apr 1985 Joined the Bank Feb 2002 Manager, Morimatsu Branch Aug 2004 Manager, Ozu Branch Mar 2006 Manager, Mishima Branch Aug 2008 Deputy General Manager, Head Office Sales Department Feb 2012 Deputy General Manager, Head Office Sales Department and General Manager, Corporate Promotion Department Jun 2012 Director, General Manager, Head Office Sales Department and Head, Prefectural Central Hospital Branch Office Jul 2015 Director, General Manager, Tokyo Branch Feb 2017 Managing Director Jun 2017 Senior Managing Director (Representative Director) Jun 2018 President (Representative Director) (current)
1962-08-04
Masamitsu TOYODA
Deputy President, Representative Director
Apr 1985 Joined the Bank Aug 2003 Manager, Furukawa Branch Mar 2006 Manager, Dogo Branch Feb 2011 Deputy General Manager, Sales Management Department Jun 2012 General Manager, Human Resources and Education Department Jun 2016 Director, Manager, Uwajima Branch and Uwajima Shinmachi Branch Office Aug 2018 Director, General Manager, Operations and Systems Department Jun 2019 Managing Director Jun 2023 Senior Managing Director (Representative Director) Jun 2025 Deputy President (Representative Director) (current)
1962-01-26
Noriyuki YANO
Senior Managing Director
Apr 1986 Joined the Bank Mar 2006 Manager, Furukawa Branch Feb 2011 Deputy General Manager, Planning and Public Relations Department Feb 2013 General Manager, Planning and Public Relations Department Feb 2015 General Manager, General Affairs Department Jun 2018 Director, General Manager, General Affairs Department Jun 2019 Managing Executive Officer, General Manager, General Affairs Department Feb 2020 Managing Executive Officer, General Manager, Management Planning Department and General Manager, General Affairs Department Jun 2020 Managing Director Jun 2025 Senior Managing Director (current)
1963-02-13
Tsuyoshi AKIYAMA
Managing Director
Apr 1991 Joined the Bank Feb 2009 Manager, Kume Branch Feb 2011 Assistant General Manager, Head Office Sales Department Feb 2014 Deputy Manager, Tokyo Branch and Deputy Head, Tokyo Office Aug 2017 Deputy General Manager, Head Office Sales Department Aug 2018 Manager, Uwajima Branch, Uwajima Shinmachi Branch Office and Uwajima Regional Center Jun 2019 Executive Officer, Manager, Uwajima Branch, Uwajima Shinmachi Branch Office and Uwajima Regional Center Aug 2020 Executive Officer, General Manager, Human Resources and Education Department Jun 2021 Managing Executive Officer, General Manager, Human Resources and Education Department Jun 2022 Managing Director (current)
1968-12-01
Hiroharu MATSUI
Managing Director
Apr 1991 Joined the Bank Aug 2008 Assistant Manager, Furusato Revitalization Department Feb 2009 Manager, Secretariat Office Aug 2012 Manager, Dogo Branch Feb 2014 Assistant General Manager, Human Resources and Education Department Feb 2017 Deputy General Manager, Human Resources and Education Department Aug 2017 Deputy Manager, Tokyo Branch and Deputy Head, Tokyo Office Feb 2020 Head, Tokyo Office Jun 2021 Executive Officer, Manager, Tokyo Branch and Head, Tokyo Office Jun 2024 Managing Executive Officer, General Manager, General Affairs Department Jun 2025 Managing Director (current)
1968-12-29
Masatomo MUKAI
Managing Director
Apr 1995 Joined the Bank Feb 2010 Corporate Business Promotion Officer, Head Office Sales Department Feb 2012 Manager, Kuko-dori Branch Nov 2013 Assistant Manager, Human Resources and Education Department Feb 2017 Assistant General Manager, Human Resources and Education Department Aug 2018 Assistant General Manager, Head Office Sales Department Feb 2020 Deputy General Manager, Head Office Sales Department Jun 2023 Executive Officer, Manager, Imabari Branch and Imabari Loan Center Jun 2024 Managing Executive Officer, Manager, Imabari Branch and Imabari Loan Center Jun 2025 Managing Director (current)
1973-02-17
Tetsuya NAKAMURA
Managing Director
Apr 1990 Joined the Bank Aug 2010 Manager, Ōkaidō Branch Feb 2011 Assistant General Manager, Credit Examination Department No. 1 Aug 2013 Manager, Asahimachi Branch Aug 2016 Manager, Onomichi Branch Feb 2019 Manager, Suehirocho Branch Jun 2021 Executive Officer, Manager, Imabari Branch and Imabari Loan Center Jun 2023 Executive Officer, General Manager, Human Resources and Education Department Jun 2025 Managing Executive Officer, General Manager, Human Resources and Education Department (current) Jun 2026 Managing Director
1967-06-29
Ryuichi INABA
Director
Apr 1974 Joined Nikko Securities Co., Ltd. Aug 1975 Left Nikko Securities Co., Ltd. Oct 1975 Joined Daiichi Gas Co., Ltd. Oct 1985 Managing Director, Daiichi Gas Co., Ltd. Aug 1989 President and Representative Director, Daiichi Gas Co., Ltd. Aug 2021 Chairman and Representative Director, Daiichi Gas Co., Ltd. (current) Jun 2023 Director (current)
1949-11-22
Katsuhisa KUROKAWA
Full-time Audit & Supervisory Board Member
Apr 1987 Joined the Bank Feb 2009 Manager, Unomachi Branch Jan 2010 Assistant Manager, Sales Management Department May 2012 Inspector, Audit Department Aug 2016 Assistant General Manager, Audit Department Feb 2021 Deputy General Manager, Audit Department Jun 2022 Executive Officer, General Manager, Audit Department and Head, Management Audit Group Jun 2024 General Manager, Audit Department Jun 2025 Full-time Audit & Supervisory Board Member (current)
1964-08-03
Tetsuya SASAKI
Full-time Audit & Supervisory Board Member
Apr 1989 Joined the Bank Feb 2008 Assistant Manager, Planning and Public Relations Department Aug 2014 Assistant General Manager, Planning and Public Relations Department Feb 2021 Senior Manager, Planning and Public Relations Department Jun 2024 Executive Officer, Head of Finance, Planning and Public Relations Department and Head, Finance Group Jun 2025 Managing Executive Officer, Head of Finance, Planning and Public Relations Department (current) Jun 2026 Full-time Audit & Supervisory Board Member
1966-04-30
Chika TADOKORO
Director
Dec 2017 Registered with Ehime Bar Association Dec 2017 Joined Tadokoro Law Office Jan 2018 Head, Tadokoro Law Office (current) Jun 2024 Director (current)
1989-08-19
Morichika HATTORI
Director
Apr 1987 Joined Bank of Japan Jul 2011 Manager, Kitakyushu Branch, Bank of Japan Apr 2013 Manager, Shizuoka Branch, Bank of Japan Nov 2015 Senior Examiner, Financial System and Bank Examination Department, Bank of Japan Mar 2016 Deputy Director, Financial System and Bank Examination Department, Bank of Japan (in charge of examination coordination) Apr 2017 Head, Inspection Office, Bank of Japan May 2018 Left Bank of Japan Jun 2018 Managing Director, The Second Association of Regional Banks Jul 2018 Steering Committee Member, Agriculture, Forestry and Fisheries Credit Fund Jul 2022 Senior Adviser, Planning Department, Seven Bank, Ltd. (current) Nov 2022 Partner, Digital Base Capital Co., Ltd. Jul 2023 Advisor, Linkers Co., Ltd. (current) Jun 2025 Director (current)
1963-02-26
Fumiaki MATSUBARA
Director
Apr 1989 Joined NEC Corporation Apr 2004 General Manager, First Financial Solutions Business Division, NEC Corporation Apr 2016 Executive Officer, NEC Corporation Jun 2017 Director, The Center for Financial Industry Information Systems (FISC) Apr 2021 Managing Executive Officer, NEC Corporation Apr 2023 Corporate EVP, NEC Corporation Apr 2025 Corporate Senior Adviser, NEC Corporation Mar 2026 Left NEC Corporation Apr 2026 Executive Officer, Comchure Co., Ltd. (current) Jun 2026 Director
1965-08-05
Masahisa KATAYAMA
Audit & Supervisory Board Member
Apr 1981 Joined Matsuyama City Office Oct 2012 Director, Sakanoue no Kumo Town Development, General Policy Department, Matsuyama City Apr 2014 Director General, Citizens Department, Matsuyama City Apr 2015 Director General, Finance Department, Matsuyama City Apr 2017 Director General, General Affairs Department, Matsuyama City Mar 2018 Retired from Matsuyama City Apr 2018 Managing Director and Secretary General, Matsuyama City Culture and Sports Promotion Foundation Mar 2024 Retired from Matsuyama City Culture and Sports Promotion Foundation Jun 2024 Audit & Supervisory Board Member (current)
1957-10-14
Mitsunori KODAMA
Audit & Supervisory Board Member
Apr 1988 Joined Ministry of Finance (Kanto Finance Bureau) Jul 2016 Director, Shizuoka Finance Office, Tokai Finance Bureau, Ministry of Finance Jul 2018 Director General, Finance Department, Hokkaido Finance Bureau, Ministry of Finance Jul 2019 Director General, General Affairs Department, Hokkaido Finance Bureau, Ministry of Finance Jul 2020 Director General, General Affairs Department, Kinki Finance Bureau, Ministry of Finance Jul 2023 Director General, Shikoku Finance Bureau, Ministry of Finance Jul 2024 Retired from Ministry of Finance Sep 2024 Special Advisor, Business Development Division, FinTech Global Co., Ltd. (current) Apr 2025 Director, Public Management Consulting Co., Ltd. Jun 2025 Audit & Supervisory Board Member (current) Aug 2025 Director, GeoPlan NamTec Co., Ltd. (current) Jan 2026 President and Representative Director, Public Management Consulting Co., Ltd. (current)
1963-07-07
Large Shareholding Reports
Ariake Capital Co., Ltd.
2026-10-19
5.19%
Disclosures
No disclosures
Primary Source Filings
EDINET
2026-10-19
Large Shareholding Report
TDnet
2026-08-03
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-02
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-21
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-04
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-26
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-03
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-25
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-05
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-27
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-07
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-24
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-07
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-06
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-09
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-07
Quarterly Securities Report
EDINET
2021-11-26
Quarterly Securities Report
EDINET
2021-08-10
Quarterly Securities Report
EDINET
2021-06-29
Annual Securities Report
EDINET
2021-02-10
Quarterly Securities Report
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