Want to see JP:8364 full AI Analyst Report?
Top Page
Shimizu Bank, Ltd.
(8364)
Select Model
Select Model
Rating:65Neutral
Price Target:
¥2,534.00
▲(10.80% Upside)
Action:Reiterated
Date:05/17/26
The score is driven mainly by improving (but still uneven) financial performance, with low ROE and historically volatile cash flows limiting the rating. Technicals add support as the stock trades above key moving averages with positive momentum, and valuation is a tailwind due to the low P/E and moderate dividend yield.
Positive Factors
Revenue growth acceleration
2026 revenue growth accelerating 21.6% YoY indicates improving loan demand and fee income at the core franchise. Sustained top-line momentum can produce scale benefits, help absorb fixed costs and provide a durable path to rebuild core profitability if credit trends and margins hold.
Negative Factors
Low returns on equity
A persistent ROE around 2.5% is structurally low for a banking business and limits organic capital formation and shareholder returns. Low returns constrain the ability to fund expansion from retained earnings, slow balance-sheet growth and increase sensitivity to profit shocks over multi-year horizons.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth acceleration
2026 revenue growth accelerating 21.6% YoY indicates improving loan demand and fee income at the core franchise. Sustained top-line momentum can produce scale benefits, help absorb fixed costs and provide a durable path to rebuild core profitability if credit trends and margins hold.
Read all positive factors
Shimizu Bank, Ltd. (8364) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥30.89B
Dividend Yield2.59%
Average Volume (3M)36.21K
Price to Earnings (P/E)15.2
Beta (1Y)0.86
Revenue Growth17.44%
EPS Growth9.43%
CountryJP
Employees926
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)177.31
Shares Outstanding11,641,318
10 Day Avg. Volume23,260
30 Day Avg. Volume36,213
Financial Highlights & Ratios
PEG Ratio1.62
Price to Book (P/B)0.35
Price to Sales (P/S)0.87
P/FCF Ratio3.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Shimizu Bank, Ltd. Business Overview & Revenue Model
Company Description
Headquartered in Shizuoka, Japan, The Shimizu Bank, Ltd. has been delivering a comprehensive suite of banking and related financial services across Japan since its establishment in 1928. Its offerings encompass fundamental banking operations like ...
How the Company Makes Money
Shimizu Bank’s earnings are primarily generated through a standard commercial banking model: (1) Net interest income: The bank collects deposits and other funding and uses those funds to make loans and invest in securities. It earns interest incom...
Shimizu Bank, Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
56
Neutral
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 32.03B | 22.67B | 23.26B | 22.01B | 21.35B |
| Gross Profit | 27.10B | 21.19B | 20.91B | 20.35B | 20.90B |
| EBITDA | 4.68B | 3.76B | -3.37B | 2.57B | 4.69B |
| Net Income | 2.00B | 1.86B | -3.30B | 1.47B | 2.58B |
Balance Sheet | |||||
| Total Assets | 1.81T | 1.81T | 1.76T | 1.89T | 1.81T |
| Cash, Cash Equivalents and Short-Term Investments | 226.39B | 243.10B | 165.70B | 248.75B | 186.75B |
| Total Debt | 77.18B | 118.03B | 133.95B | 126.69B | 295.63B |
| Total Liabilities | 1.73T | 1.73T | 1.68T | 1.81T | 1.73T |
| Stockholders Equity | 79.34B | 71.65B | 78.40B | 73.67B | 81.13B |
Cash Flow | |||||
| Free Cash Flow | 7.80B | 0.00 | -6.70B | 57.40B | -1.07B |
| Operating Cash Flow | 8.82B | 0.00 | -6.26B | 58.32B | 77.00M |
| Investing Cash Flow | -22.19B | 4.74B | 61.00B | 4.83B | -28.35B |
| Financing Cash Flow | -4.44B | 51.92B | -81.21B | -797.00M | -719.00M |
Shimizu Bank, Ltd. Technical Analysis
Positive
2287.00
Price Trends
2514.50
Positive
2555.08
Positive
2387.84
Positive
Market Momentum
59.25
Negative
67.96
Neutral
85.85
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8364, the sentiment is Positive. The current price of 2287 is below the 20-day moving average (MA) of 2506.55, below the 50-day MA of 2514.50, and below the 200-day MA of 2387.84, indicating a bullish trend. The MACD of 59.25 indicates Negative momentum. The RSI at 67.96 is Neutral, neither overbought nor oversold. The STOCH value of 85.85 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8364.
Shimizu Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥26.03B | 9.54 | ― | 3.50% | 18.83% | 12.15% | |
69 Neutral | ¥15.45B | 9.87 | ― | 3.30% | 20.18% | 20.57% | |
69 Neutral | ¥49.77B | 11.97 | ― | 3.28% | 17.02% | 11.09% | |
65 Neutral | ¥30.89B | 15.22 | ― | 2.59% | 17.44% | 9.43% | |
59 Neutral | ¥17.93B | 10.59 | ― | 3.37% | 6.15% | 8.63% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ¥47.89B | -2.03 | ― | 2.87% | 26.62% | -664.91% |
* General Sector Average
JP:8364
Shimizu Bank, Ltd.
2,712.00
1,343.35
98.15%
JP:8383
TOTTORI BANK, LTD.
1,663.00
427.20
34.57%
JP:8537
Taiko Bank, Ltd.
2,801.00
1,263.04
82.12%
JP:8542
Tomato Bank, Ltd.
1,587.00
377.90
31.25%
JP:8551
Kita-Nippon Bank, Ltd.
6,310.00
3,300.56
109.67%
JP:8558
Towa Bank, Ltd.
1,399.00
679.38
94.41%
Shimizu Bank, Ltd. Corporate Events
Shimizu Bank Grants Restricted Stock to Directors via Treasury Share Disposal
Jun 24, 2026
Shimizu Bank has approved the disposal of 9,108 treasury shares as restricted stock to eight internal directors, with a payment date set for July 23, 2026 and a disposal price of 2,415 yen per share. The total value of the shares amounts to 21,995...
Shimizu Bank Overhauls Board Lineup With New Director and Audit Committee Changes
May 15, 2026
Shimizu Bank, Ltd. has announced a slate of director changes approved by its board on May 15, 2026, to be formally decided at the 151st Annual General Meeting of Shareholders on June 24, 2026. The reshuffle reflects a continued emphasis on experie...
Shimizu Bank Lifts Earnings, Strengthens Capital and Keeps Dividend Steady
May 15, 2026
Shimizu Bank reported consolidated ordinary income of ¥33.7 billion for the fiscal year ended March 31, 2026, up 15.5% year on year, with ordinary profit rising 36.2% to ¥3.1 billion and profit attributable to owners of parent increasing...
Shimizu Bank Announces Board Reshuffle and New Audit Committee Member
May 15, 2026
Shimizu Bank has announced a planned reshuffle of its board of directors, with the changes to be finalized at the 151st Annual General Meeting of Shareholders on June 24, 2026, and the subsequent board meeting. Senior General Manager of the Manage...
Shimizu Bank Lifts Profits and Net Assets While Maintaining Stable Dividend
May 15, 2026
Shimizu Bank reported consolidated ordinary income of ¥33.7 billion for the fiscal year ended March 31, 2026, up 15.5% year on year, with ordinary profit climbing 36.2% to ¥3.1 billion and profit attributable to owners rising 7.5% to ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.