Consistent Revenue GrowthShimane Bank's steady revenue growth, including a recent 2.88% uptick, indicates persistent loan and fee demand in its regional SME and retail markets. This recurring top-line expansion supports durable net interest income and fee streams, helping stabilize earnings and capital planning over a multi-month horizon.

High Gross Profit MarginsA gross profit margin reported above 100% reflects efficient cost management and strong spread capture on core intermediation. That margin buffer provides lasting protection against modest NIM compression or higher provisions, preserving operating earnings and enabling sustained reinvestment or dividend support over months.

Strong Free Cash Flow ConversionFree cash flow converting to about 73% of net income demonstrates solid cash generation and conversion quality. This level of cash conversion supports dividends, strategic capex, and debt reduction without immediate capital raises, enhancing balance-sheet flexibility and funding optionality over the medium term.

Bears Say

Relatively High LeverageAlthough leverage has improved, a debt-to-equity ratio of 1.34 remains relatively high for a regional bank and increases sensitivity to interest-rate moves or localized credit stress. Elevated leverage can pressure capital buffers, constrain strategic investments, and limit dividend flexibility if credit conditions deteriorate.

Low Operating Cash ConversionOperating cash flow covering only 26% of net income signals a gap between reported profits and cash realization. This weak operating cash conversion raises concerns about earnings quality and working-capital volatility, creating potential reliance on financing or asset sales to support operations during stress periods.

Modest Profitability / ROEA net profit margin near 6.5% and reported ROE around 4.08% indicate modest profitability, limiting internal capital generation and shareholder returns. Persistently low returns reduce the bank's ability to accumulate reserves, fund technology or branch investments, and compete with more profitable peers without external capital.

7150 FAQ

What was Shimane Bank, Ltd.’s price range in the past 12 months?

Shimane Bank, Ltd. lowest stock price was ¥412.00 and its highest was ¥720.00 in the past 12 months.

What is Shimane Bank, Ltd.’s market cap?

Shimane Bank, Ltd.’s market cap is ¥5.47B.

When is Shimane Bank, Ltd.’s upcoming earnings report date?

Shimane Bank, Ltd.’s upcoming earnings report date is May 18, 2026 which is in 82 days.

How were Shimane Bank, Ltd.’s earnings last quarter?

Shimane Bank, Ltd. released its earnings results on Jan 30, 2026. The company reported ¥19.81 earnings per share for the quarter, beating the consensus estimate of N/A by ¥19.81.

Is Shimane Bank, Ltd. overvalued?

According to Wall Street analysts Shimane Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Shimane Bank, Ltd. pay dividends?

Shimane Bank, Ltd. pays a Semiannually dividend of ¥5 which represents an annual dividend yield of 2.01%. See more information on Shimane Bank, Ltd. dividends here

What is Shimane Bank, Ltd.’s EPS estimate?

Shimane Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Shimane Bank, Ltd. have?

Shimane Bank, Ltd. has 8,416,000 shares outstanding.

What happened to Shimane Bank, Ltd.’s price movement after its last earnings report?

Shimane Bank, Ltd. reported an EPS of ¥19.81 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Shimane Bank, Ltd.?

Currently, no hedge funds are holding shares in JP:7150

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Shimane Bank, Ltd.

The Shimane Bank,Ltd. provides various banking products and services for individual and corporate customers in Japan. The company offers various deposit products; and loans, including car, card, education, housing, multipurpose, bill, certificate, and institutional loans, as well as bill discounts. It also provides whole life, personal annuity, medical, cancer, income security, disability, and fire insurance products; investment trusts; financial product brokerage; and Internet banking services. The company operates 33 branches. The Shimane Bank, Ltd. was incorporated in 1915 and is headquartered in Matsue, Japan.