Kiyo Bank stock analysis
Kiyo Bank (KIYOF) Stock Price & Analysis
KIYOF Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- $1.86B
- Enterprise Value
- $384.53B
- Total Cash (Recent Filing)
- $850.76B
- Total Debt (Recent Filing)
- $746.92B
- Price to Earnings (P/E)
- 11.3
- Beta
- 0.00
- Next Earnings
- Jan 29, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 143956.96%
Bulls Say, Bears Say
Bulls Say
Revenue And Profit Growth
Kiyo Bank has delivered multi-year revenue growth accompanied by rising profits, with net income increasing from 15.0B in 2024 to 21.8B in 2026. This indicates improving earnings capacity and provides a stronger base for continued lending and customer-service investment.
Improving Earnings Momentum
The reported growth rates show that Kiyo Bank is expanding both its top line and per-share earnings rather than relying solely on balance-sheet scale. If sustained, this combination can strengthen internal capital formation and improve the bank’s ability to support future growth.
Growing Equity Base
A larger equity base improves the bank’s capacity to absorb credit or market-related losses and supports resilience as the business grows. The increase from 222.0B to 247.5B also provides a stronger capital foundation for maintaining lending activity and serving regional customers.
Bears Say
Elevated Leverage
Meaningful leverage remains a structural constraint on financial flexibility. High debt relative to equity can increase sensitivity to funding costs, asset-quality deterioration, and changes in banking conditions, while limiting the capital available for expansion or unexpected losses.
Volatile Cash Generation
The wide swings in operating cash flow make the bank’s internally generated liquidity less predictable than its recent income growth might suggest. Inconsistent cash generation can complicate capital planning, reduce flexibility during stress, and weaken confidence in the durability of free cash flow.
Earnings Cycle Sensitivity
The sharp 2023 earnings decline demonstrates that profitability can be materially affected across the banking cycle. Although profits subsequently recovered, this history raises uncertainty around how consistently current earnings can be maintained when operating or financial conditions become less favorable.
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Company Description
Kiyo Bank
The Kiyo Bank, Ltd. is a financial institution operating across Japan, offering a comprehensive array of banking solutions and services to individuals, corporate entities, and businesses. Its offerings span various deposit types, including Yen, time, and foreign currency accounts, alongside a wide range of loan products such as personal, residential, mortgage, credit card, specialized, and education-related financing. The bank also manages pension funds and provides diverse insurance coverage, including life, medical, cancer, student, income security, and term policies. Additionally, Kiyo Bank facilitates securities investments, domestic and international foreign exchange transactions, agency services, internet banking, and ATM access. It also issues various financial cards and participates in the buying and selling of government bonds. Founded in 1883 and headquartered in Wakayama, Japan, the institution officially changed its name to The Kiyo Bank, Ltd. in October 2013, having previously been known as Kiyo Bank Co., Ltd.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Hiroyuki Haraguchi
- Employees
- 2,473
- Website
- www.kiyobank.co.jp
- Address
- 1-35, Honmachi, Wakayama, WA, 640-8656, JP






