Shimizu Bank, Ltd. (8364) AI Stock Analysis

• Market Cap: ¥15.93B
• Dividend Yield: 4.36%
• Average Volume (3M): 19.92K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 0.69
• Revenue Growth: -8.20%
• EPS Growth: -939.22%
• Country: JP
• Employees: 982
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 5.91
• Shares Outstanding: 11,641,318
• 10 Day Avg. Volume: 18,360
• 30 Day Avg. Volume: 19,916
• PEG Ratio: -0.27
• Price to Book (P/B): 0.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.29
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 42 Neutral
• Price Target: ―

Shimizu Bank's overall stock score reflects significant financial challenges, including negative profitability and cash flow issues, coupled with high leverage. While the technical analysis indicates a bearish trend, the attractive dividend yield offers some compensation. However, the bank's financial instability and lack of earnings improvement remain critical concerns for investors.

Shimizu Bank, Ltd. Business Overview & Revenue Model

Company Description

Shimizu Bank, Ltd. (8364) is a regional financial institution based in Japan, primarily engaged in providing a wide range of banking services. The company operates through various segments including retail banking, corporate banking, and treasury operations. Shimizu Bank offers products and services such as deposit accounts, loans, credit facilities, and investment advisory services, catering to both individual and corporate clients. The bank is committed to delivering comprehensive financial solutions centered around customer satisfaction and regional economic development.

How the Company Makes Money

Shimizu Bank, Ltd. generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and corporate loans. Additional revenue streams include fees and commissions from a variety of banking services such as account management, transaction processing, and investment advisory services. The bank also earns income from its treasury operations, which involve managing securities portfolios and engaging in foreign exchange transactions. Strategic partnerships and collaborations with other financial institutions and service providers further enhance its revenue potential and market reach.

Shimizu Bank, Ltd. Financial Statement Overview

Summary

Shimizu Bank faces financial difficulties, with negative profitability and cash generation issues. The negative ROE and high leverage pose risks, although strong cash reserves provide some stability. Improvement is needed in profitability and cash flow management.

Income Statement

The income statement shows declining revenue with the TTM revenue at ¥27.28 billion, down from previous periods. Net income is negative, indicating a loss in recent periods. Gross profit margin is strong at 97.55% for TTM, but net profit margin is negative, reflecting profitability challenges. EBIT and EBITDA margins are also struggling, with recent EBIT positive but EBITDA negative, indicating issues in operational efficiency.

Balance Sheet

The balance sheet indicates a relatively high debt-to-equity ratio, with total debt at ¥120.22 billion against a stockholders' equity of ¥75.53 billion, suggesting leverage risk. The ROE is negative, aligning with losses. However, the equity ratio is reasonable at 4.13%, showing some asset stability. The bank has a substantial cash position, which is a positive aspect.

Cash Flow

Cash flow analysis reveals significant challenges, with operating cash flow negative for the annual report and zero for TTM, indicating issues in generating cash from operations. Free cash flow is also negative or zero, reflecting potential liquidity issues. The company has struggled to convert income into cash, as seen in the poor operating cash flow to net income ratio.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
25.69B	27.37B	20.91B	20.35B	20.90B	21.21B
	Gross Profit
26.61B	0.00	20.91B	20.35B	20.90B	21.21B
	EBIT
3.69B	699.00M	-4.30B	1.33B	2.58B	2.25B
	EBITDA
-4.05B	699.00M	-3.37B	2.57B	4.69B	4.60B
	Net Income Common Stockholders
-2.38B	1.86B	-3.30B	1.47B	2.58B	2.16B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
230.62B	0.00	165.70B	248.75B	186.75B	216.19B
	Total Assets
1.83T	1.81T	1.76T	1.89T	1.81T	1.80T
	Total Debt
120.22B	118.03B	119.03B	126.69B	151.45B	111.45B
	Net Debt
-110.40B	118.03B	-46.67B	-122.06B	-35.29B	-104.73B
	Total Liabilities
1.75T	1.73T	1.68T	176.92B	1.73T	1.71T
	Stockholders Equity
75.53B	71.65B	78.40B	73.67B	81.13B	85.68B
Cash Flow		Free Cash Flow
0.00	29.22B	-144.48B	57.40B	-1.07B	140.68B
	Operating Cash Flow
0.00	30.27B	-143.30B	58.32B	77.00M	141.15B
	Investing Cash Flow
0.00	-3.74B	61.00B	4.83B	-28.35B	-20.73B
	Financing Cash Flow
0.00	50.94B	-695.00M	-797.00M	-719.00M	-661.00M

Shimizu Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1375.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1375 is above the 20-day moving average (MA) of 1373.05, above the 50-day MA of 1362.82, and below the 200-day MA of 1421.64, indicating a neutral trend. The MACD of 3.18 indicates Negative momentum. The RSI at 58.39 is Neutral, neither overbought nor oversold. The STOCH value of 79.92 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8361	72 Outperform	¥99.90B	6.79		4.58%	-12.29%	108.55%
8368	71 Outperform	$174.21B	9.43	3.81%	3.49%	7.03%	8.58%
8354	70 Outperform	$748.74B	10.22	7.30%	3.59%	15.35%	-1.62%
8359	65 Neutral	$569.29B	11.57	4.55%	4.95%	16.68%	1.73%
Sector *	64 Neutral	$6.52B	10.80	6.50%	5.16%	24.88%	-1.54%
8364	42 Neutral	¥15.93B	8.42		4.36%	-8.20%	-939.22%