Shimizu Bank, Ltd. (8364) AI Stock Analysis

• Market Cap: ¥23.24B
• Dividend Yield: 2.99%
• Average Volume (3M): 36.21K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.70
• Revenue Growth: 0.44%
• EPS Growth: N/A
• Country: JP
• Employees: 982
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 107.31
• Shares Outstanding: 11,641,318
• 10 Day Avg. Volume: 23,260
• 30 Day Avg. Volume: 36,213
• PEG Ratio: -0.06
• Price to Book (P/B): 0.24
• Price to Sales (P/S): 0.76
• P/FCF Ratio: 0.59
• 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: ¥2,059.00
• Price Target Upside: 0.59% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: ¥2,059.00 ▲(0.59% Upside)

Shimizu Bank, Ltd. receives a solid score driven by strong technical indicators and a favorable valuation. The bank's financial performance shows potential with improved cash flow, but challenges in revenue growth and high leverage are concerns. The absence of earnings call and corporate events data limits further insights.

Shimizu Bank, Ltd. Business Overview & Revenue Model

Company Description

The Shimizu Bank, Ltd. provides various banking services in Japan. The company offers cash calculation, credit guaranteeing, leasing, and credit card services. It also manages real estate properties; and provides personnel delegation services, as well as financial and economic research, and training services. As of March 31, 2021, the company operated a network of 78 branches and 1 sub-branch. The Shimizu Bank, Ltd. was founded in 1928 and is headquartered in Shizuoka, Japan.

How the Company Makes Money

Shimizu Bank generates revenue through several key streams. The primary source of income comes from net interest income, which is earned from the difference between interest paid on deposits and interest received from loans. The bank also earns fees from various services, including transaction fees, account maintenance fees, and advisory services. Additionally, Shimizu Bank may receive income from investments in securities and other financial instruments. Strategic partnerships with local businesses and government entities further enhance its revenue potential, as the bank often collaborates on community projects and financial initiatives that drive loan demand and foster customer loyalty.

Shimizu Bank, Ltd. Financial Statement Overview

Summary

Shimizu Bank, Ltd. shows mixed financial performance with improved profitability and cash flow, but faces challenges in revenue growth and high leverage. The strong cash flow generation is a positive, though operational efficiency and debt management need attention.

Income Statement

Shimizu Bank, Ltd. has shown fluctuating revenue with a recent decline of 11.75% in the latest year. The net profit margin improved to 6.80% from a negative margin in the previous year, indicating a recovery in profitability. However, the EBIT and EBITDA margins remain low, suggesting challenges in operational efficiency.

Balance Sheet

The bank's debt-to-equity ratio is relatively high at 1.65, indicating significant leverage, which could pose risks in volatile markets. Return on equity improved to 2.60%, showing better utilization of equity, but still remains modest. The equity ratio is stable, reflecting a balanced asset structure.

Cash Flow

Operating cash flow has significantly improved, leading to a strong operating cash flow to net income ratio of 4.95. Free cash flow growth is robust, although the free cash flow to net income ratio slightly decreased, indicating efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	26.35B	26.67B	23.26B	22.01B	21.35B	25.71B
Gross Profit	26.35B	26.67B	20.91B	20.35B	20.90B	21.21B
EBITDA	2.40B	3.76B	-3.37B	2.57B	4.69B	3.38B
Net Income	2.15B	1.86B	-3.30B	1.47B	2.58B	2.16B
Balance Sheet
Total Assets	1.80T	1.81T	1.76T	1.89T	1.81T	1.80T
Cash, Cash Equivalents and Short-Term Investments	0.00	243.10B	165.70B	248.75B	186.75B	216.19B
Total Debt	106.67B	118.03B	119.03B	176.92B	192.66B	134.37B
Total Liabilities	1.73T	1.73T	1.68T	1.81T	1.73T	1.71T
Stockholders Equity	73.94B	71.65B	78.40B	73.67B	81.13B	85.68B
Cash Flow
Free Cash Flow	0.00	29.22B	-6.70B	57.40B	-1.07B	140.68B
Operating Cash Flow	0.00	30.27B	-6.26B	58.32B	77.00M	141.15B
Investing Cash Flow	0.00	4.74B	61.00B	4.83B	-28.35B	-20.73B
Financing Cash Flow	0.00	51.92B	-81.21B	-797.00M	-719.00M	-661.00M

Shimizu Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2047.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 2047 is above the 20-day moving average (MA) of 2013.79, above the 50-day MA of 1915.93, and above the 200-day MA of 1530.81, indicating a bullish trend. The MACD of 33.71 indicates Positive momentum. The RSI at 59.89 is Neutral, neither overbought nor oversold. The STOCH value of 59.86 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
8383	73 Outperform	¥12.65B	9.79	―	3.65%	9.46%	9.41%
8349	72 Outperform	¥12.38B	10.64	―	3.83%	7.67%	-26.27%
8537	72 Outperform	¥15.74B	6.42	―	3.90%	14.06%	20.87%
8364	69 Neutral	¥23.24B	10.54	―	2.99%	0.44%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8542	64 Neutral	¥15.28B	10.62	―	3.73%	2.61%	-7.91%
8338	60 Neutral	¥25.50B	5.37	―	1.72%	1.45%	73.78%