Concordia Financial Group (CRDIY) Stock Price, News & Analysis

Company Overview

Concordia Financial Group, Inc. is a regional financial holding company headquartered in Japan’s Kanto region. Established in March 2015 through the merger of two regional banks, the company provides banking and financial services under its principal operating subsidiaries, The Joyo Bank, Ltd. and Ibaraki Bank, Ltd. As a bank holding company, Concordia Financial Group oversees strategic planning, risk management and corporate governance for its banking operations.

The group’s core business activities encompass deposit-taking, lending, foreign exchange, trade finance and cash management services for both individual and corporate clients. In addition to traditional lending products such as mortgages and working capital loans, Concordia Financial Group offers real estate leasing, securitization and various fee-based services including trust banking, asset management and insurance agency operations.

Concordia Financial Group’s branch network spans key prefectures in the Kanto area, with a focus on Ibaraki, Tochigi and Gunma prefectures. The group leverages its local market expertise to support small and mid-sized enterprises, agricultural cooperatives and individual customers, while also engaging in community revitalization initiatives and public‐private partnerships designed to foster regional economic development.

Governed by a board of directors and executive team, Concordia Financial Group emphasizes sound risk management, regulatory compliance and ongoing investment in digital channels. The company continues to pursue operational synergies, address evolving customer needs and contribute to the sustainable growth of the communities it serves.

Key Stats

• Today's Range: $35.52 to $36.50
• 50-Day Range: $32.51 to $37.52
• 52-Week Range: $19.93 to $39.91
• Volume: 699 shs
• Average Volume: 7,986 shs
• Market Capitalization: $13.37 billion
• P/E Ratio: N/A
• Dividend Yield: 1.38%
• Price Target: N/A
• Consensus Rating: Strong Buy

Concordia Financial Group Stock Analysis - MarketRank™

Concordia Financial Group scored higher than 35% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 0.2 / 5
• Analyst Rating: Strong Buy

Amount of Analyst Coverage

Concordia Financial Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 22.18%

Earnings Growth

Earnings for Concordia Financial Group are expected to grow by 22.18% in the coming year, from $2.48 to $3.03 per share.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Concordia Financial Group has been sold short.

Short Interest Ratio / Days to Cover

Concordia Financial Group has a short interest ratio ("days to cover") of 0.15, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Concordia Financial Group has recently decreased by 97.90%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Concordia Financial Group pays a meaningful dividend of 1.35%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Concordia Financial Group does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Concordia Financial Group will have a dividend payout ratio of 16.17% next year. This indicates that Concordia Financial Group will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

Concordia Financial Group has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.85 average news sentiment score of Finance companies.

Company Ownership

• Score: N/A
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Concordia Financial Group insiders have not sold or bought any company stock.

Percentage Held by Institutions

Concordia Financial Group has minimal institutional ownership at this time.

Company Calendar

• Today: 8/21/2026
• Fiscal Year End: 3/31/2027

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:CRDIY
• CIK: N/A
• Web: www.concordia-fg.jp
• Phone: 81 3 5200 8201
• Fax: N/A
• Employees: 5,604
• Year Founded: 2016

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 376,520,000
• Free Float: N/A
• Market Cap: $13.37 billion
• Optionable: Not Optionable
• Beta: N/A