77 Bank, JP3352000008

77 Bank stock falls 2.18 percent as profit rises 37.5 percent

Published on 10/07/2026 at 05:57 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

At JPY 4,130 on October 7, 2026, 77 Bank stock stood 3.14 percent below its 52-week high. Fiscal year revenue reached JPY 211.2 billion.

77 Bank, JP3352000008, Illustration mit AI erstellt.

77 Bank stock (ISIN JP3352000008) was trading at JPY 4,130 on the Tokyo Stock Exchange on October 7, 2026, down 2.18 percent from the previous close. The move comes against a fiscal year 2026 performance that included JPY 54.0 billion in net income, according to Yuhodb.

Profit rises in fiscal 2026

For the fiscal year ended March 31, 2026, 77 Bank reported recurring revenue of JPY 211.2 billion, up 23.1 percent from JPY 171.6 billion in the previous fiscal year. Net income increased 37.5 percent from JPY 39.3 billion to JPY 54.0 billion, while return on equity reached 8.53 percent, according to Yuhodb.

The earnings comparison is the central measure for the stock. Revenue growth exceeded 20 percent and net income growth was higher still, showing that the latest annual result was not driven by a single small increase.

Digital lending adds a new channel

77 Bank and Emerada began offering the 77 Smart Biz Loan on October 1, 2026, with online processing from application through funding. The product targets companies and sole proprietors in Miyagi Prefecture and offers loans from JPY 500,000 to JPY 10.0 million over terms of up to five years, according to PR Times.

The lending range places the launch below the scale of the bank's existing corporate balance sheet, but its importance is operational: online applications, credit decisions, contracts and disbursements are handled through one digital process. The product carries fixed rates of 5.2 percent to 9.7 percent for applications from October through December 2026.

Stock remains below yearly high

The October 7 intraday quote of JPY 4,130 was JPY 134 below the 52-week high of JPY 4,264 and above the 52-week low of JPY 1,859. The market capitalization was JPY 921.4 billion, with volume of 314,700 shares at 12:39 p.m. JST.

For investors, the combination of annual profit growth and a new digital lending channel gives the shares two measurable reference points: earnings expansion and execution in regional business lending.