Overview
Banks

TOMONY Holdings,Inc.

Tomoni Holdings is a regional bank holding company headquartered in Shikoku, Japan, operating primarily through its two core banking subsidiaries, The Tokushima Taisho Bank and The Kagawa Bank. The group provides a full range of financial services including deposit-taking, lending, domestic and foreign exchange, securities investment, and registered financial institution services to retail and corporate customers across Tokushima and Kagawa prefectures. Complementary businesses include leasing, credit card, venture capital, and GX/regional revitalization-related services operated through eight additional consolidated subsidiaries.

Market Cap
¥196B
US$1.25B
EV
¥—B
Stock¥1,018▼-2.02%
US$1 = ¥156.80 (2026-10-23)
ROE
5.8%
* LTM NI / end-of-period equity
PBR
0.6
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+28.8%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Aug 7, 26Quarterly earnings announced
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Performance & Balance
Revenue 5Y (¥B)
70.3US$449M'22/379.9US$509M'23/387.8US$560M'24/395.1US$607M'25/3105US$668M'26/3
Net Income 5Y (¥B)
13.1US$83.3M'22/314.2US$90.4M'23/314.0US$89.3M'24/315.8US$101M'25/316.2US$103M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
533US$3.40B'22/3366US$2.34B'23/3458US$2.92B'24/3505US$3.22B0.01US$0.03M'25/3481US$3.07B0.00US$0.02M'26/3
Shareholders
Top 10 hold 36.1%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.63%
2
Custody Bank of Japan, Ltd. (Trust Account)
5.28%
3
TOMONY Holdings,Inc. Employee Stock Ownership Association
3.58%
4
MURAKAMI TAKATERU (Standing Proxy: Mita Securities Co., Ltd.)
3.41%
5
Nichia Corporation
3.03%
6
ACN Wind Co., Ltd.
2.47%
7
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
2.31%
8
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.29%
9
NH Foods Ltd.
1.06%
10
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.05%
Management
12 officers
Takeshi NAKAMURA
Representative Director, President and CEO
Apr 1986 Joined Bank of Japan May 1998 Research Officer, Secretariat, Policy Board Office, Bank of Japan Apr 2004 Planning Officer, General Affairs Division, Management Planning Office, Bank of Japan Apr 2007 Counselor, Document Bureau, Bank of Japan Jul 2009 Branch Manager, Takamatsu Branch, Bank of Japan Jul 2010 Counselor, Financial Institutions Bureau, Bank of Japan May 2012 Councillor, Operations Bureau, Bank of Japan May 2013 Director-General, Operations Bureau, Bank of Japan Jun 2015 Director-General, Document Bureau, Bank of Japan Apr 2017 Retired from Bank of Japan Jun 2017 Representative Director, Senior Managing Director, Tomoni Holdings Co., Ltd. Jun 2018 Representative Director, President and CEO, Tomoni Holdings Co., Ltd. (current) Aug 2024 Representative Director, President, Tomoni System Service Co., Ltd. (current)
1963-07-23
Toyohiko BANDO
Representative Director, Vice President
Apr 1993 Joined The Tokushima Bank, Ltd. (now Tokushima Taisho Bank, Ltd.) Feb 2005 Branch Manager, Sumoto Branch, Tokushima Bank Aug 2007 Branch Manager, Tokyo Branch and Head of Tokyo Office, Tokushima Bank Apr 2009 General Manager, Human Resources Department, Tokushima Bank Jun 2010 Executive Officer, General Manager, Human Resources Department, Tokushima Bank Jun 2011 Director and Executive Officer, General Manager, Human Resources Department, Tokushima Bank Jun 2012 Director and Executive Officer, General Manager, Corporate Planning Headquarters and Risk Management Headquarters, Tokushima Bank Jun 2013 Managing Director and Managing Executive Officer, General Manager, Corporate Planning Headquarters and Risk Management Headquarters, Tokushima Bank Jun 2014 Managing Director and Managing Executive Officer, General Manager, Corporate Planning Headquarters and Credit Examination Headquarters, Tokushima Bank Jun 2015 Managing Director, General Manager, Corporate Planning Headquarters and Credit Examination Headquarters, Tokushima Bank Jun 2016 Senior Managing Director, General Manager, Credit Examination Headquarters, Tokushima Bank Jun 2018 Representative Director, Senior Managing Director, General Manager, Credit Examination Headquarters, Tokushima Bank Jan 2020 Senior Managing Director, General Manager, Credit Examination Headquarters, Tokushima Bank Apr 2020 Representative Director, Senior Managing Director, Tokushima Taisho Bank, Ltd. Jun 2020 Representative Director, President, Tokushima Taisho Bank, Ltd. (current) Jun 2020 Director, Vice President, Tomoni Holdings Co., Ltd. Oct 2020 Representative Director, Vice President, Tomoni Holdings Co., Ltd. (current)
1969-09-29
Hiroshi ARIKI
Representative Director, Vice President
Apr 1989 Joined The Kagawa Bank, Ltd. Aug 2004 Branch Manager, Kokubunji Branch, Kagawa Bank Feb 2006 Branch Manager, Iiyama Branch and Ayauta Branch, Kagawa Bank Apr 2009 Branch Manager, Kotoura Branch, Kagawa Bank Feb 2011 Branch Manager, Okayama Minami Branch, Kagawa Bank Aug 2013 Branch Manager, Matsuyama Branch, Kagawa Bank Apr 2014 Executive Officer, Branch Manager, Matsuyama Branch, Kagawa Bank Jun 2015 Branch Manager, Matsuyama Branch, Kagawa Bank Jun 2016 Branch Manager, Marugame Branch, Marugame Nishi Branch and Tsuchiki-machi Sub-branch, Kagawa Bank Jun 2018 Executive Officer, Branch Manager, Marugame Branch, Marugame Nishi Branch and Tsuchiki-machi Sub-branch, Kagawa Bank Jun 2019 Director, Branch Manager, Okayama Branch, Kagawa Bank Jun 2020 Managing Director, General Manager, Sales Headquarters, Kagawa Bank Jun 2021 Managing Director, General Manager, Lending Headquarters, Kagawa Bank Jun 2022 Managing Director, General Manager, Administration Headquarters, Kagawa Bank Jun 2023 Senior Managing Director, General Manager, Planning Headquarters, Kagawa Bank Jun 2025 Director, President (Representative Director), Kagawa Bank, Ltd. (current) Jun 2025 Representative Director, Vice President, Tomoni Holdings Co., Ltd. (current)
1965-07-18
Jinzo FUJII
Managing Director, General Manager, Corporate Planning Department
Apr 1987 Joined The Dai-Ichi Kangyo Bank, Ltd. (now Mizuho Bank, Ltd.) Aug 1997 Joined The Tokushima Bank, Ltd. Feb 2002 Deputy General Manager, Planning Department, Tokushima Bank Jul 2006 Deputy Head, Planning Department, Tokushima Bank Feb 2009 General Manager, Planning Department, Tokushima Bank Apr 2010 Deputy General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. Jun 2012 Director and Executive Officer, General Manager, Planning Department, Tokushima Bank Aug 2015 Director, Head of Human Resources Department, Tokushima Bank Aug 2015 General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. Jun 2016 Director, Tokushima Bank Jun 2016 Director, General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. Mar 2017 Managing Director, General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. (current)
1964-04-11
Hitoshi KIOKA
Managing Director, General Manager, Risk & Compliance Department
Apr 1989 Joined Nippon Credit Bank, Ltd. (now Aozora Bank, Ltd.) Feb 2007 Joined The Kagawa Bank, Ltd. Aug 2007 Deputy Manager, Management Strategy Department, Kagawa Bank Oct 2007 Deputy Manager, Business Support Department, Kagawa Bank Apr 2009 Deputy Manager, Branch Management Department, Kagawa Bank Aug 2011 Deputy Manager, Market & Finance Department, Kagawa Bank Apr 2012 Branch Manager, Tokyo Branch and Head of Tokyo Office, Kagawa Bank Jun 2015 Executive Officer, General Manager, Corporate Planning Department, Kagawa Bank Jun 2015 Deputy General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. Jun 2018 Executive Officer, General Manager, Branch Management Department, Kagawa Bank Jun 2018 Deputy General Manager, Group Strategy Department, Tomoni Holdings Co., Ltd. Jun 2019 Executive Officer, General Manager, Branch Management Department and Personal Business Planning Department, Kagawa Bank Jun 2020 Director, General Manager, Branch Management Department and Personal Consulting Promotion Department, Kagawa Bank Jun 2022 Director, General Manager, Lending Department, Kagawa Bank Jun 2023 Managing Director, General Manager, Lending Headquarters, Kagawa Bank Jun 2024 Managing Director, General Manager, Risk & Compliance Department, Tomoni Holdings Co., Ltd. (current)
1966-07-15
Noriyoshi KANEOKA
Managing Director, General Manager, Internal Audit Department
Apr 1992 Joined The Kagawa Bank, Ltd. Oct 2009 Branch Manager, Fushiishi Branch, Kagawa Bank Jul 2011 Branch Manager, Osaka Kita Branch, Kagawa Bank Apr 2014 Chief Promotion Officer, Branch Management Department, Kagawa Bank Apr 2015 Branch Manager, Niihama Branch, Kagawa Bank Jun 2018 Executive Officer, General Manager, Lending Department and Loan Management Department, Kagawa Bank Feb 2020 Executive Officer, General Manager, Head Office Sales Department, Branch Manager, Hyogomachi Branch and Miyawaki-machi Sub-branch, Kagawa Bank Jun 2020 Director, General Manager, Head Office Sales Department, Branch Manager, Hyogomachi Branch and Miyawaki-machi Sub-branch, Kagawa Bank Feb 2021 Director, General Manager, Head Office Sales Department, Branch Manager, Hyogomachi Branch, Minamishinmachi Sub-branch and Miyawaki-machi Sub-branch, Kagawa Bank Jun 2022 Director, General Manager, Administration Systems Department, Kagawa Bank Jun 2022 Deputy General Manager, Corporate Planning Department, Tomoni Holdings Co., Ltd. Jun 2023 Managing Director, Deputy Head of Administration Headquarters, General Manager, Administration Systems Department, Kagawa Bank Jun 2024 Managing Director, Head of Administration Headquarters and Head of Branch Inspection Office, Kagawa Bank Jun 2025 Managing Director, General Manager, Internal Audit Department, Tomoni Holdings Co., Ltd. (current)
1969-06-16
Jun NAGAO
Director, General Manager, Group Strategy Department, in charge of regional trading-company-type financial functions
Apr 1991 Joined The Tokushima Bank, Ltd. (now Tokushima Taisho Bank, Ltd.) Feb 2005 Deputy General Manager, Credit Examination Department, Tokushima Bank Jul 2009 Branch Manager, Higashi-Osaka Branch, Tokushima Bank Jul 2012 Deputy General Manager, Head Office Sales Department, Tokushima Bank Feb 2015 Branch Manager, Imabari Branch, Tokushima Bank May 2017 General Manager, Head Office Sales Department, Branch Manager, Nikenya Branch and Tokushima-Ekimae Branch, Tokushima Bank Jun 2019 Executive Officer, General Manager, Head Office Sales Department, Branch Manager, Nikenya Branch and Tokushima-Ekimae Branch, Tokushima Bank Apr 2020 Executive Officer, General Manager, Credit Examination Department II, Tokushima Bank Sep 2023 Executive Officer, General Manager, Credit Examination Department I, Tokushima Bank Jun 2024 Managing Executive Officer, General Manager, Credit Examination Department I, Tokushima Bank Jun 2025 Director, General Manager, Group Strategy Department, in charge of regional trading-company-type financial functions, Tomoni Holdings Co., Ltd. (current)
1969-02-22
Yoshiaki INOUE
Director
Apr 1986 Joined Osaka Gas Co., Ltd. Apr 2011 General Manager, Kyoto-Shiga Living Sales Department, Living Business Division, Osaka Gas Co., Ltd. Apr 2013 Executive Officer, General Manager, Living Planning Department and Compliance Supervisor, Living Business Division, Osaka Gas Co., Ltd. Apr 2015 Executive Officer, Osaka Gas Co., Ltd. Apr 2015 Director and Vice President, Liquid Gas Co., Ltd. (now Osaka Gas Liquid Co., Ltd.) Apr 2015 President, Osaka Gas LPG Co., Ltd. (now Enearc Kansai Co., Ltd.) Apr 2015 Director, Nisshou LP Gas Co., Ltd. Apr 2017 Executive Officer, Hyogo-Himeji Regional Division Manager and Hyogo Area Manager, Osaka Gas Co., Ltd. Apr 2018 Executive Officer, Hyogo-Himeji Regional Division Manager and Hyogo Area Manager, Osaka Gas Co., Ltd. Mar 2021 Retired as Executive Officer, Osaka Gas Co., Ltd. Jun 2021 Full-time Audit & Supervisory Board Member, Sakura Information Systems Co., Ltd. Jun 2021 Audit & Supervisory Board Member, Agni Consulting Co., Ltd. Jun 2021 Audit & Supervisory Board Member, JOE Co., Ltd. Jun 2021 Auditor, SIS Techno Service Co., Ltd. Jun 2023 Full-time Audit & Supervisory Board Member, Osaka Gas Chemicals Co., Ltd. (current) Jun 2023 Auditor, JO Carbon Co., Ltd. (current) Jun 2023 Auditor, Fullfine Co., Ltd. (current) Jun 2023 Supervisor, Osaka Gas Chemical (Shanghai) Co., Ltd. (current) Jun 2023 Auditor, Minabe Kako Co., Ltd. (current) Jun 2023 Auditor, Mizusawa Chemical Industries Co., Ltd. (current) Jun 2023 Supervisor, Taiwan Osaka Gas Chemical Co., Ltd. (current) Jun 2023 Auditor, Adol Co., Ltd. (current) Jun 2023 Director, Tomoni Holdings Co., Ltd. (current)
1960-08-20
Hitoshi TADA
Director (Audit and Supervisory Committee Member)
Apr 1982 Joined Shikoku Finance Bureau, Ministry of Finance Jul 2012 Public Relations and Consultation Officer, General Affairs Department, Shikoku Finance Bureau Jul 2013 Chief, Second Financial Supervision Division, Finance Department, Shikoku Finance Bureau Jul 2015 Chief, Accounts Division, Finance Department, Shikoku Finance Bureau Jul 2016 Chief, General Affairs Division, General Affairs Department, Shikoku Finance Bureau Jul 2018 Financial Supervisor, Finance Department, Kinki Finance Bureau Jul 2019 Director, Matsuyama Finance Office, Shikoku Finance Bureau Jul 2021 Director, Property Management Department, Shikoku Finance Bureau Jul 2022 Retired from Shikoku Finance Bureau Jun 2023 Director (Audit and Supervisory Committee Member), Tomoni Holdings Co., Ltd. (current)
1963-12-05
Sayaka TOMIIE
Director (Audit and Supervisory Committee Member)
Nov 2003 Passed the National Bar Examination Apr 2004 Completed training, Legal Training and Research Institute of the Supreme Court Oct 2005 Registered as attorney-at-law Oct 2005 Joined Arrows Law Office Oct 2013 Joined Yagi Sogo Law Office Apr 2014 Opened Aomi Sogo Law Office (current) Apr 2014 Vice President, Kagawa Bar Association Apr 2016 Member, Takamatsu City Administrative Appeal Review Board (current) Jan 2018 Member, Takamatsu City Bid Monitoring Committee (current) Jul 2018 Member, Takamatsu City Board of Education (current) Apr 2021 Member, Kagawa Prefecture Infectious Disease Review Council (current) Jun 2023 Director (Audit and Supervisory Committee Member), Tomoni Holdings Co., Ltd. (current) Oct 2023 Member, Kagawa Dispute Coordination Committee (current)
1978-01-12
Mayumi TAKEDA
Director (Audit and Supervisory Committee Member)
Oct 2002 Joined Chuo Aoyama Audit Corporation May 2006 Registered as Certified Public Accountant Sep 2006 Joined Arata Audit Corporation (now PwC Japan LLC) Apr 2011 Opened Mayumi Takeda CPA Office (current) Jun 2011 Director, Takeda Construction Co., Ltd. Feb 2014 Joined Ishikawa Office Accounting Tax Corporation Aug 2014 Member, Kagawa Prefecture Private School Promotion Council (current) Sep 2014 Registered as Certified Tax Accountant Jun 2015 Auditor, Sailor Advertising Co., Ltd. Apr 2016 Member, Kagawa Prefecture Administrative Appeal Review Board (current) Jun 2020 Joined Hirouki Hashikawa Office Tax Corporation (current) Jul 2020 Director, Takeda Construction Co., Ltd. (current) Jun 2021 Director (Audit and Supervisory Committee Member), Sailor Advertising Co., Ltd. (current) Jun 2024 Director (Audit and Supervisory Committee Member), The Kagawa Bank, Ltd. Jun 2025 Director (Audit and Supervisory Committee Member), Tomoni Holdings Co., Ltd. (current) Mar 2026 Member, Kagawa Prefecture Board of Education (current)
1979-04-05
Yasuyo YOSHIZAWA
Director (Audit and Supervisory Committee Member)
Apr 1996 Joined Human Renaissance Institute Co., Ltd. Apr 2006 Joined Corporate University Platform Co., Ltd. Jun 2010 Special Lecturer, Graduate School of Media and Governance, Keio University Apr 2011 Specially Appointed Lecturer, Graduate School of Media and Governance, Keio University Dec 2013 Full-time Lecturer, Graduate School of Regional Management, Kagawa University Apr 2017 Associate Professor, Graduate School of Regional Management, Kagawa University Dec 2019 Vice Chairperson, Kagawa Prefecture Fiscal Reform Promotion Council (now Administrative Management Promotion Council) (current) Apr 2020 Member, Takamatsu City Autonomy Promotion Council (current) Apr 2021 Regional Employment Revitalization Advisor, Regional Employment Revitalization Project, Ministry of Health, Labour and Welfare (current) Apr 2024 Professor, Graduate School of Regional Management, Kagawa University (current) Jun 2025 Director (Audit and Supervisory Committee Member), Tomoni Holdings Co., Ltd. (current) Apr 2026 Associate Dean, Graduate School of Regional Management, Kagawa University (current)
1970-02-17
Large Shareholding Reports
Nomura Asset Management Co., Ltd.
2025-09-22
3.85%→3.46%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-07
Q1 Earnings Flash
EDINET
2026-06-17
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-10
Q3 Earnings Flash
EDINET
2025-11-18
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-09-22
Large Shareholding Report
TDnet
2025-08-08
Q1 Earnings Flash
EDINET
2025-06-24
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-10
Q3 Earnings Flash
EDINET
2024-11-19
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-09
Q1 Earnings Flash
EDINET
2024-06-26
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-21
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-27
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-22
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINET
2022-06-28
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
EDINET
2021-11-25
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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