The Yamagata Bank, Ltd.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from The Yamagata Bank, Ltd.'s yearly results (2023–2026), compared with Financial Services companies in Japan. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Less steady than 72% of Financial Services companies in Japan.
Growth Efficiency Ratio
¥46Sales grew 15% in 3 years; of every extra ¥100 of sales, ¥46 became extra profit.
Higher than 74% of Financial Services companies in Japan.
Asset Productivity Ratio
+15% / +4%In 3 years sales changed by +15% while total assets changed by +4%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ¥100 the company owns, ¥100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 58% of Financial Services companies in Japan.
Tangible Net Worth Ratio
98%Of every ¥100 of net worth, ¥98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 55% of Financial Services companies in Japan.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
The Yamagata Bank, Ltd. owes ¥0.95 for every ¥1 it owns. Net profit rose 48% in the year to Mar 2026, and grew 24% a year on average over 3 years.
Compared with Financial Services companies in Japan · latest annual results Mar 2026.
P/E ratio
18.6Investors pay ¥18.6 for every ¥1 of The Yamagata Bank, Ltd.'s yearly profit, higher than 84% of Financial Services companies in Japan.
P/B ratio
0.95The share price is 0.95 times The Yamagata Bank, Ltd.'s book value per share, lower than 58% of Financial Services companies in Japan.
Market cap
¥143.5 BThe total market value of all of The Yamagata Bank, Ltd.'s shares at today's price (share price × number of shares), larger than 51% of Financial Services companies in Japan. PosiCap size class: Mini Cap.
Net worth (book value)
¥150.4 BWhat The Yamagata Bank, Ltd. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
¥4,892Net worth divided by the number of shares. The share price of ¥4,665 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
5.0%The Yamagata Bank, Ltd. earned 5.0% on its shareholders' money over the last year, lower than 77% of Financial Services companies in Japan.
Owes vs Owns
0.95×The Yamagata Bank, Ltd. owes ¥0.95 for every ¥1 it owns (high), higher than 81% of Financial Services companies in Japan. Banks and lenders usually show higher figures.
Dividend yield
2.21%The Yamagata Bank, Ltd. pays 2.21% of its share price as dividends a year, lower than 81% of dividend-paying Financial Services companies in Japan.
Revenue growth
+14%Revenue rose 14% in the year to Mar 2026, and grew 5% a year on average over 3 years.
Profit growth
+48%Net profit rose 48% in the year to Mar 2026, and grew 24% a year on average over 3 years.
Profit margin
12.7%The Yamagata Bank, Ltd. keeps ¥13 of every ¥100 of revenue as net profit.
Questions
What is The Yamagata Bank, Ltd.'s P/E ratio?
Investors pay ¥18.6 for every ¥1 of The Yamagata Bank, Ltd.'s yearly profit, higher than 84% of Financial Services companies in Japan.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For The Yamagata Bank, Ltd.: ¥143.5 B ÷ ¥150.4 B (31 Mar 2026) = 1.0.
What is The Yamagata Bank, Ltd.'s return on equity?
The Yamagata Bank, Ltd. earned 5.0% on its shareholders' money over the last year, lower than 77% of Financial Services companies in Japan.
How much does The Yamagata Bank, Ltd. owe compared with what it owns?
The Yamagata Bank, Ltd. owes ¥0.95 for every ¥1 it owns (high), higher than 81% of Financial Services companies in Japan. Banks and lenders usually show higher figures.
Does The Yamagata Bank, Ltd. pay a dividend?
Yes. The Yamagata Bank, Ltd. pays 2.21% of its share price as dividends a year, lower than 81% of dividend-paying Financial Services companies in Japan.
Is The Yamagata Bank, Ltd.'s revenue growing?
Revenue rose 14% in the year to Mar 2026, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.