Fukuoka Financial Group stock analysis
Fukuoka Financial Group (4FK) Stock Price & Analysis
4FK Stock Chart & Stats
- Day’s Range
- EUR 36.20 - EUR 36.20
- 52-Week Range
- EUR 24.40 - EUR 45.00
- Previous Close
- EUR 38.80
- Volume
- N/A
- Average Volume (3M)
- 7
- Market Cap
- EUR 6.89B
- Enterprise Value
- EUR 3.93T
- Total Cash (Recent Filing)
- EUR 6.39T
- Total Debt (Recent Filing)
- EUR 9.03T
- Price to Earnings (P/E)
- 14.5
- Beta
- 0.85
- Next Earnings
- Nov 10, 2026 (Est.)
- EPS Estimate
- 0.81
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.75%
Bulls Say, Bears Say
Bulls Say
Accelerating Revenue Growth
The sharp 2026 revenue acceleration indicates stronger business activity across the group’s banking and related financial offerings. If sustained, higher revenue provides a broader base for earnings growth and supports continued investment in customer relationships and regional market presence.
Steady Net Income Growth
Steady net income growth and healthy margins demonstrate that the group is converting its expanding revenue base into earnings. This improves internal capital generation, supports resilience through normal business cycles, and provides greater capacity to fund lending and other customer-focused activities.
Diversified Regional Banking Platform
A broad offering across deposits, lending, payments, securities, credit, leasing, and support services gives Fukuoka Financial Group several ways to serve the same regional customers. This diversification can deepen relationships and reduce reliance on any single banking product.
Bears Say
High Balance-Sheet Leverage
Leverage of roughly nine to ten times equity leaves the group with less financial flexibility if credit conditions or funding costs worsen. Elevated leverage can amplify pressure on capital planning and constrain the ability to absorb shocks or pursue growth while maintaining balance-sheet resilience.
Volatile Cash Generation
Large year-to-year swings in operating and free cash flow make cash conversion less predictable, even though free cash flow represented a meaningful share of net income in some years. Inconsistent generation can complicate capital allocation and reduce confidence in internally funded growth.
Margin Compression
The decline in margins from the exceptionally strong 2022 level indicates that recent revenue growth has not fully preserved prior profitability. Continued compression would weaken earnings operating leverage and could limit the benefit of future top-line expansion if costs rise faster than revenue.
Fukuoka Financial Group News
4FK FAQ
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Company Description
Fukuoka Financial Group
Fukuoka Financial Group, Inc. delivers a comprehensive array of banking solutions to both individual and corporate clients. Its offerings encompass the acceptance of diverse deposits, including current, ordinary, demand, time, and negotiable certificates, alongside the provision of various loan products. Beyond core banking, the group actively participates in numerous other ventures such as securities trading, administrative agency operations, loan guarantees, system development and maintenance, credit card services, collateral appraisal, credit management and collection, consulting, insurance, research and development, investment activities, and factoring. Furthermore, the company handles movable property and leasehold arrangements, and provides information processing and communication services. Founded in 1877 and headquartered in Fukuoka, Japan, the company's extensive network as of March 31, 2021, included 428 branches throughout Japan, 8 international offices, and roughly 2,300 ATMs.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Hisashi Goto
- Employees
- 8,050
- Website
- www.fukuoka-fg.com
- Address
- 1-8-3, Otemon, Fukuoka City, FK, 810-8693, JP
Fukuoka Financial Group (4FK) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 3 | 15 |
| Technical Analysis | 4 | 3 | 3 |
| Moving Averages | 0 | 0 | 12 |












