Fukuoka Financial Group Inc (FKKFY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Fukuoka Financial Group Inc stock $16.78, price $21.32, that is 21.3% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $6.40 – $26.44 · fair‑value band $15.47 – $19.94 · the $21.32 price screens above the $16.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Fukuoka Financial Group, Inc., together with its subsidiaries, provides various banking services to individual and corporate customers.
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The company accepts various deposits, such as current deposits, ordinary and other demand deposits, time deposits, and negotiable certificates of deposit, as well as provides loan products.
It involves in securities, office work agent, loan guarantee, system development and operation, credit card services, collateral valuation, credit management and collection, consulting, insurance, research and development, investments and loans, and factoring businesses.
In addition, the company engages in the M&A advisory service; promotion of SDGs business; provision of information processing and communications services businesses; research and development of banking system construction; research activities; and general trading company.
Fukuoka Financial Group, Inc. was founded in 1877 and is headquartered in Fukuoka City, Japan.
Stock analysis
Fukuoka Financial Group Inc (FKKFY) currently trades at $21.32, while our model-based Fair Value estimate is $16.78, 21% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $22.04 per share, and 1 of the 6 models we run sit above the $21.32 price.
Bear case: the Dividend Discount group reads lowest at $9.90, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $15.47 (bear) to $19.94 (bull), the price of $21.32 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Fukuoka Financial Group Inc ADR reported revenue of ¥655B in FY2026 versus ¥255B in FY2022, a compound +26.6%/yr. Reported net income was ¥90.6B in FY2026, compounding +13.7%/yr from FY2022.
Key figures
Market cap $8.1B Mid · P/E ratio 13.7 · P/S ratio 1.89 · EPS (TTM) $1.56 · Dividend yield 2.6% · Net margin 13.8% · Return on equity 8.7% · Return on assets (EBIT) 0.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 60% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −21%, FKKFY screens cheaper than that median.
Fair Value models
Bear$15.47Fair Value $16.78Bull$19.94
Price $21.32 · Downside -21.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.9488 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+53.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.2%
Start year 2021 (pandemic). Over 10 years: +11.7% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+13.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.0%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.0% vs 7.3%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 19%
News mood ⓘNews mood, the average tone of recent news (49 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Negative
Recent news coverage is more negative than average.
AI conclusion: Fukuoka Financial Group's main strength lies in its established regional lending operations in Kyushu while its primary weakness remains the lack of any distinctive competitive moat and uncertain revenue gains from AI initiatives.
Main risk: Digital banks such as Rakuten Bank and SBI Sumishin Net Bank could attract retail deposits with higher yields and digital convenience, squeezing FFG’s funding costs and retail margins in Kyushu.
Bull case: By expanding its Minna Bank digital platform and BaaS offerings to other banks, FFG could attract new nationwide customers and generate additional revenue streams that offset any pressure on traditional deposits.
Bear case: If digital competitors continue drawing deposits and younger customers away, FFG’s core regional lending in Kyushu might face persistent margin compression without enough offsetting growth from its digital initiatives.
Fukuoka Financial Group just formalized an AI policy and is adding AI chat tools to its banking apps while expanding platform services to other banks. Its core operations remain tied to traditional regional lending in Kyushu. Will the push into digital and AI create meaningful new revenue streams or mainly add costs without shifting the earnings profile enough?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−21.3% · Below median
Profitability
Return on equity (12 months)8.7% · Below median
Return on assets0.3% · Bottom 25%
Net margin (12 months)21.0% · Bottom 25%
Operating margin (12 months)42.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)13.1% · Above median
Dividend yield (12 months)2.6% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Fukuoka Financial Group Inc ADR Fair Value". https://www.fairvalue-calculator.com/stock/FKKFY
Frequently asked questions
Is Fukuoka Financial Group Inc (FKKFY) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $16.78 versus a price of $21.32, about 21% lower (overvalued).
What is the fair value of FKKFY?
Our model-based fair value for Fukuoka Financial Group Inc is $16.78 (as of Nov 7, 2026), built from audited fundamentals. The current price: $21.32.
What is the quality score of FKKFY?
Fukuoka Financial Group Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fukuoka Financial Group Inc (FKKFY)?
Our model-based price target is the fair value of $16.78 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $15.47, optimistic scenario $19.94. It is a calculation from audited fundamentals, not an analyst target.
What is the Fukuoka Financial Group Inc ADR stock forecast for 2026?
Our models put fair value at $16.78, about 21% lower versus a price of $21.32 (overvalued). Cautious scenario $15.47, optimistic scenario $19.94. The calculation is refreshed regularly with new filings.
What is the revenue of Fukuoka Financial Group Inc (FKKFY)?
Fukuoka Financial Group Inc reported trailing-twelve-month revenue of about ¥434B (latest available figure, as of Nov 7, 2026).
Does Fukuoka Financial Group Inc ADR pay a dividend?
Fukuoka Financial Group Inc currently shows a dividend yield of 2.56% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Fukuoka Financial Group Inc (FKKFY) and when is the ex-dividend date?
Fukuoka Financial Group Inc has a dividend yield of 2.6%. The last ex-dividend date was Mar 31, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 36.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Fukuoka Financial Group Inc (FKKFY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fukuoka Financial Group Inc it is $16.78 per share (as of Nov 7, 2026), against a price of $21.32. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Fukuoka Financial Group Inc ADR stock overvalued or undervalued in 2026?
As of Nov 7, 2026, FKKFY trades above its calculated fair value: price $21.32, fair value $16.78, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FKKFY?
No. The price is what the market pays today ($21.32); the fair value is what the company's own numbers justify ($16.78). For Fukuoka Financial Group Inc the two are $4.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fukuoka Financial Group Inc ADR worth?
The market values Fukuoka Financial Group Inc at about $8.1B (market capitalisation, as of Nov 7, 2026). Per share that is $21.32; our models calculate a fair value of $16.78 per share.
What do the bullish and bearish scenarios say about FKKFY?
Our models span a range for Fukuoka Financial Group Inc: cautious scenario $15.47, base $16.78, optimistic $19.94 per share (as of Nov 7, 2026, price $21.32). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FKKFY?
Fukuoka Financial Group Inc trades at a price-to-earnings ratio of 13.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.78 is built from several models across several years. Other multiples: P/B 1.2, P/S 2.9.
How solid is the balance sheet of Fukuoka Financial Group Inc (FKKFY)?
Balance-sheet figures for Fukuoka Financial Group Inc (as of Nov 7, 2026): return on equity 8.7%. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is FKKFY from its 52-week high?
Fukuoka Financial Group Inc trades at $21.32, about 19% below its 52-week high of $26.44 and 60% above the low of $13.32 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $16.78 is for.
Which stocks are comparable to Fukuoka Financial Group Inc ADR?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fukuoka Financial Group Inc ADR stock attractive at the current price?
The data as of Nov 7, 2026: price $21.32, calculated fair value $16.78 (−21%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FKKFY calculated?
We run Fukuoka Financial Group Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $16.78 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Fukuoka Financial Group Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fukuoka Financial Group Inc (FKKFY)?
The closing price on Nov 6, 2026 was $21.32. Our model-based fair value is $16.78, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fukuoka Financial Group Inc ADR right now?
The price sits above even our optimistic bull case ($19.94). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Fukuoka Financial Group Inc (FKKFY) come from?
Earnings per share at Fukuoka Financial Group Inc grew +5.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +7.2 %, EBIT margin −3.1 %, tax rate +1.6 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Fukuoka Financial Group Inc
How large is the market capitalisation of Fukuoka Financial Group Inc (FKKFY)?
The market capitalisation of Fukuoka Financial Group Inc is $8.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fukuoka Financial Group Inc (FKKFY)?
The price-to-sales ratio of Fukuoka Financial Group Inc is 1.89 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fukuoka Financial Group Inc (FKKFY)?
Earnings per share at Fukuoka Financial Group Inc are $1.56 (price ÷ EPS = P/E 13.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fukuoka Financial Group Inc (FKKFY)?
The dividend yield of Fukuoka Financial Group Inc is 2.6% (payout 35.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Fukuoka Financial Group Inc (FKKFY)?
The net margin of Fukuoka Financial Group Inc is 13.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fukuoka Financial Group Inc (FKKFY)?
The return on equity (ROE) of Fukuoka Financial Group Inc is 8.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fukuoka Financial Group Inc (FKKFY)?
On an EBIT basis the return on assets of Fukuoka Financial Group Inc is 0.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fukuoka Financial Group Inc (FKKFY)?
The operating margin of Fukuoka Financial Group Inc is 42.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fukuoka Financial Group Inc (FKKFY)?
Revenue at Fukuoka Financial Group Inc is growing +13.1% versus a year earlier (3y avg +28.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fukuoka Financial Group Inc (FKKFY)?
Earnings per share at Fukuoka Financial Group Inc are growing +25.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fukuoka Financial Group Inc (FKKFY) generate?
The free cash flow of Fukuoka Financial Group Inc is ¥19.1B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fukuoka Financial Group Inc (FKKFY) carry?
The net debt of Fukuoka Financial Group Inc is ¥3.0T (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 7, 2026