Yokohama Financial Group, Inc. (CCRDF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 18.23 means the share price is 18.23 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $13.6B is the value of all shares combined. Beta 0.52: the stock has moved about 48% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerYokohama Financial Group, Inc. (CCRDF) trades at $12.20. Yokohama Financial Group, Inc. operates as a financial holding company, providing banking, securities, leasing, and venture capital services. Market cap: $13.6B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for CCRDF: CCRDF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CCRDF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
CCRDF: 2/2 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Yokohama Financial Group, Inc. (CCRDF) Financial Services Profile
Yokohama Financial Group, Inc., established in 2016, is a Japanese financial holding company providing diverse services including banking, securities, and venture capital. With a market capitalization of $13.6B and a P/E ratio of 18.23, the company focuses on regional banking and financial solutions in Japan's competitive financial landscape.
What Is the Investment Thesis for CCRDF?
Yokohama Financial Group, Inc. presents a stable investment opportunity within the Japanese financial sector, supported by a market capitalization of $13.6B and a beta of 0.52, indicating lower volatility compared to the broader market. The company's P/E ratio of 18.23 suggests a reasonable valuation relative to its earnings. Growth catalysts include expanding venture capital investments and strategic initiatives in information services. However, the absence of a dividend yield may deter income-focused investors. Key risks include potential regulatory changes in the Japanese financial sector and increased competition from fintech companies.
Based on FMP financials and quantitative analysis
CCRDF Key Highlights
Market capitalization of $13.6B indicates a substantial presence in the regional banking sector.
- P/E ratio of 18.23 suggests a reasonable valuation compared to its earnings.
- Beta of 0.52 indicates lower volatility compared to the broader market, offering stability.
- Diversified financial services including banking, securities, leasing, and venture capital provide multiple revenue streams.
- Headquartered in Tokyo, Japan, providing access to one of the world's largest financial markets.
Who Are CCRDF's Competitors?
CCRDF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SMFG Sumitomo Mitsui Financial Group, Inc. | $27.27 | +2.73% | $106B | 545-pillar |
| MUFG Mitsubishi UFJ Financial Group, Inc. | $23.29 | +0.65% | $263B | 615-pillar |
| BPOP Popular, Inc. | $163.96 | -0.54% | $10.5B | 925-pillar |
| WF Woori Financial Group Inc. | $74.56 | +0.35% | $18.1B | 975-pillar |
| ZION Zions Bancorporation, National Association | $68.29 | +0.26% | $9.97B | 975-pillar |
| BOKF BOK Financial Corporation | $135.21 | +0.52% | $8.22B | 905-pillar |
| CBC Central Bancompany, Inc. Class A Common Stock | $32.41 | +0.90% | $7.77B | 905-pillar |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCRDF's Key Strengths?
Diversified financial services offerings.
- Strong regional presence in the Yokohama area.
- Venture capital arm fostering innovation.
- Established relationships with local businesses.
What Are CCRDF's Weaknesses?
Limited international presence compared to larger banks.
- Exposure to regional economic conditions.
- Dependence on traditional banking services.
- Lack of dividend yield may deter some investors.
What Could Drive CCRDF Stock Higher?
Launch of new digital banking platforms to attract younger customers (2026 Q4).
- Expansion of venture capital investments in fintech startups.
- Strategic partnerships with fintech companies to enhance service offerings.
- Government initiatives to promote regional economic growth in Japan.
- Implementation of new technologies to improve customer service (2026 Q3).
What Are the Key Risks for CCRDF?
Financial-distress signal — its Altman Z-Score of 0.29 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from fintech companies disrupting traditional banking services.
- Low interest rate environment impacting profitability.
- Regulatory changes in the Japanese financial sector.
- Economic downturn in the Yokohama region.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for CCRDF?
- Expansion of Venture Capital Investments: Yokohama Financial Group's venture capital arm can drive growth by investing in innovative startups, particularly in fintech and other high-growth sectors. The global venture capital market is projected to reach $1 trillion by 2028, offering significant opportunities for returns. Timeline: Ongoing.
- Strategic Initiatives in Information Services: The company's information services and research business can capitalize on the growing demand for data analytics and consulting services. The market for data analytics in Japan is expected to grow by 15% annually, driven by digital transformation initiatives. Timeline: Ongoing.
- Digital Transformation of Banking Operations: Investing in digital banking platforms and services can attract younger customers and improve operational efficiency. The adoption of digital banking is increasing rapidly in Japan, with mobile banking users expected to reach 80 million by 2027. Timeline: Upcoming.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enhance Yokohama Financial Group's service offerings and reach new customer segments. Fintech partnerships can provide access to innovative technologies and expand the company's digital capabilities. Timeline: Ongoing.
- Expansion of Leasing Business: The leasing business can grow by providing financing solutions to businesses investing in new equipment and technology. The Japanese leasing market is expected to grow by 5% annually, driven by increased capital expenditures in various industries. Timeline: Ongoing.
What Are CCRDF's Competitive Advantages?
- Strong regional presence and brand recognition in the Yokohama area.
- Diversified financial services offering a wide range of solutions.
- Venture capital arm fostering innovation and growth.
- Established relationships with local businesses and communities.
What Does CCRDF Do?
Yokohama Financial Group, Inc. was established on April 1, 2016, and is headquartered in Tokyo, Japan. The company operates as a financial holding company with a broad range of services, including banking, securities, leasing, information services and research, and venture capital. Its banking operations form the core of its business, providing traditional banking services to individuals and businesses in the Yokohama region and beyond. The securities business offers brokerage and investment services, while the leasing business provides financing solutions for businesses. The information services and research arm offers data analysis and consulting services. The venture capital business invests in promising startups, fostering innovation and growth. Yokohama Financial Group's diversified approach allows it to serve a wide range of customer needs and adapt to changing market conditions. The company's focus on regional banking provides a strong local presence, while its diversified financial services offer opportunities for growth and expansion.
What Products and Services Does CCRDF Offer?
- Provides traditional banking services to individuals and businesses.
- Offers securities brokerage and investment services.
- Provides leasing and financing solutions for businesses.
- Offers information services and research to clients.
- Invests in startups through its venture capital business.
- Acts as a holding company overseeing various financial operations.
How Does CCRDF Make Money?
- Generates revenue from interest income on loans and deposits.
- Earns fees from securities brokerage and investment services.
- Receives income from leasing and financing arrangements.
- Profits from venture capital investments and exits.
What Industry Does CCRDF Operate In?
Yokohama Financial Group operates within the Japanese financial services industry, which is characterized by a mix of traditional banking practices and increasing fintech disruption. The regional banking sector faces challenges from low interest rates and an aging population, but also opportunities from government initiatives to promote regional economic growth. Competition comes from other regional banks, major national banks, and emerging fintech companies. Yokohama Financial Group's diversified services and venture capital investments position it to adapt to these changing market dynamics.
Who Are CCRDF's Key Customers?
- Individual banking customers seeking deposit accounts and loans.
- Businesses requiring financing and leasing solutions.
- Investors seeking securities brokerage and investment services.
- Startups seeking venture capital funding.
- Clients requiring information services and research.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in JPY, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 56 |
| 2026-08-26 | 56 |
| 2026-08-29 | 56 |
| 2026-09-01 | 56 |
| 2026-09-04 | 56 |
| 2026-09-07 | 56 |
| 2026-09-10 | 56 |
What changed?
The score has stayed at 56.
Over the same 18 days the stock moved +8.8%.
Company Profile
Yokohama Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tokyo, JP. The company is led by CEO Tatsuya Kataoka. CCRDF has traded publicly since 2018.
Yokohama Financial Group, Inc. Financial Trajectory
Yokohama Financial Group, Inc. (CCRDF) reported $820.8M in revenue for Q1 FY2027, a decline of 3.8% compared to the prior quarter. The company recorded net income of $206.9M, with diluted EPS of $30.27. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, CCRDF averaged $20.35 in diluted EPS.
How Yokohama Financial Group, Inc. Is Valued
Yokohama Financial Group, Inc. carries a market capitalization of $13.6B, placing it in the large-cap category.
Key Financial Metrics
Return on equity for Yokohama Financial Group, Inc. stands at 7.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. CCRDF trades at a trailing price-to-earnings ratio of 18.23, roughly in line with the Financial Services sector average of ~17.50x. Its free cash flow yield is 9.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 7.92 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Yokohama Financial Group, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.29 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Yokohama Financial Group, Inc. has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 7.6% above estimates on average.
CCRDF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Diversified financial services offerings.
- Strong regional presence in the Yokohama area.
- Venture capital arm fostering innovation.
- Established relationships with local businesses.
Bear Case
- Limited international presence compared to larger banks.
- Exposure to regional economic conditions.
- Dependence on traditional banking services.
- Lack of dividend yield may deter some investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 FY2027 | $821M | $207M | $30.27 |
| Q4 FY2026 | $853M | $141M | $0.13 |
| Q3 FY2026 | $761M | $195M | $27.03 |
| Q2 FY2026 | $815M | $185M | $23.98 |
Q1 FY2027 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from JPY at today's rate
CCRDF Latest News
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Here's What Could Help Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) Maintain Its Recent Price Strength
Yahoo! Finance: CCRDF News · Aug 31, 2026
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Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) is on the Move, Here's Why the Trend Could be Sustainable
Yahoo! Finance: CCRDF News · Aug 14, 2026
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Recent Price Trend in Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) is Your Friend, Here's Why
Yahoo! Finance: CCRDF News · Jul 27, 2026
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Concordia Financial Group (OTCMKTS:CCRDF) Director Purchases $1,003,436.10 in Stock
defenseworld.net · Jul 19, 2026
CCRDF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CCRDF.
Price Targets
Wall Street price target analysis for CCRDF.
CCRDF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CCRDF; grades run from A+ (80-100) to F (below 30).
Latest News
Here's What Could Help Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) Maintain Its Recent Price Strength
Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) is on the Move, Here's Why the Trend Could be Sustainable
Recent Price Trend in Yokohama Financial Group, Inc. - Unsponsored ADR (CRDIY) is Your Friend, Here's Why
Concordia Financial Group (OTCMKTS:CCRDF) Director Purchases $1,003,436.10 in Stock
Leadership: Tatsuya Kataoka
CEO
Tatsuya Kataoka is the CEO of Yokohama Financial Group, Inc. His background includes extensive experience in the financial services industry, with a focus on banking and strategic management. Prior to his role at Yokohama Financial Group, he held various leadership positions at major financial institutions in Japan. He is known for his expertise in corporate strategy, risk management, and digital transformation.
Track Record: Under Tatsuya Kataoka's leadership, Yokohama Financial Group has focused on expanding its digital banking capabilities and venture capital investments. He has overseen the implementation of new technologies to improve customer service and operational efficiency. Key milestones include the launch of new digital banking platforms and strategic partnerships with fintech companies.
CCRDF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Yokohama Financial Group, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier involves higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to price volatility and difficulty in trading.
- Potential for less regulatory oversight compared to listed companies.
- Higher risk of fraud or manipulation due to less stringent listing requirements.
- OTC market investments are generally considered more speculative.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive position.
- Evaluate the company's regulatory compliance and legal standing.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC securities.
- The company is a financial holding company engaging in banking, securities, leasing, information services and research, and venture capital business.
- Yokohama Financial Group, Inc. was founded on April 1, 2016 and is headquartered in Tokyo, Japan.
- The company has 5815 employees.
CCRDF Financial Services Stock FAQ
Is CCRDF a good stock?
Stock Expert AI does not rate CCRDF buy, sell or hold. Yokohama Financial Group, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for CCRDF?
The main risks for Yokohama Financial Group, Inc. include increased competition from fintech companies, which are disrupting traditional banking services. The low interest rate environment in Japan also poses a challenge to profitability.
What are the key factors to evaluate for CCRDF?
Evaluate CCRDF on fundamentals, analyst consensus, and risk factors. P/E: 18.23x vs the S&P 500's ~20-25x. The company's P/E ratio of 18.23 suggests a reasonable valuation relative to its earnings. Not financial advice.
How frequently does CCRDF data refresh on this page?
CCRDF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CCRDF's recent stock price performance?
Yokohama Financial Group, Inc. (CCRDF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial services offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCRDF overvalued or undervalued right now?
Yokohama Financial Group, Inc. (CCRDF) trades at 18.23x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of CCRDF?
Yes, most major brokerages offer fractional shares of Yokohama Financial Group, Inc. (CCRDF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CCRDF's earnings and financial reports?
Yokohama Financial Group, Inc. (CCRDF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CCRDF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be limited or delayed.