Shimizu Bank, Ltd. (8364) AI Stock Analysis

• Market Cap: ¥29.10B
• Dividend Yield: 2.59%
• Average Volume (3M): 36.21K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.71
• Revenue Growth: 4.90%
• EPS Growth: N/A
• Country: JP
• Employees: 982
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 26.60
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: ¥2,624.00 ▲(14.74% Upside)

Score is driven primarily by improving profitability and strong cash flow generation, tempered by the recent revenue decline and relatively high leverage. Technically, the uptrend is intact but indicators are overbought, while valuation and dividend yield are moderately supportive.

Positive Factors

Profitability Recovery

The recovery in net margin from negative to 6.80% indicates improved profitability, suggesting better cost management and revenue efficiency, which can enhance long-term financial stability.

Strong Cash Generation

Strong cash generation and robust free cash flow growth demonstrate efficient operations and provide the bank with flexibility to invest in growth opportunities and manage debt.

Return on Equity Improvement

Improved return on equity indicates better utilization of shareholder funds, which can enhance investor confidence and support future capital raising efforts.

Negative Factors

Revenue Decline

A significant revenue decline of 11.75% suggests challenges in maintaining market share or customer base, which could impact long-term growth prospects if not addressed.

High Leverage

High leverage with a debt-to-equity ratio of 1.65 poses risks, especially in volatile markets, potentially limiting financial flexibility and increasing vulnerability to economic downturns.

Low Operational Efficiency

Low EBIT and EBITDA margins indicate challenges in operational efficiency, which could hinder profitability and competitiveness if not improved over time.

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 primarily through the interest spread between the loans it provides to customers and the interest it pays on deposits. This interest income is bolstered by a diverse loan portfolio, which includes personal loans, mortgages, and business loans. Additionally, the bank earns fee income from services such as account maintenance fees, transaction fees, and commissions on investment products. Significant partnerships with local businesses and community organizations enhance its ability to attract customers and promote its financial services, further contributing to its revenue streams.

Shimizu Bank, Ltd. Financial Statement Overview

Summary

Shimizu Bank, Ltd. shows a mixed financial performance with improved profitability and cash flow, but struggles with revenue growth and high leverage. The strong operating cash flow is a positive, but operational efficiency and debt management need improvement.

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	22.67B	23.26B	22.01B	21.35B	21.77B
Gross Profit	26.35B	21.19B	20.91B	20.35B	20.90B	21.21B
EBITDA	2.40B	3.76B	-3.37B	2.57B	4.69B	4.60B
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: 2287.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 2287 is below the 20-day moving average (MA) of 2352.45, above the 50-day MA of 2199.76, and above the 200-day MA of 1742.12, indicating a bullish trend. The MACD of 82.43 indicates Negative momentum. The RSI at 77.66 is Negative, neither overbought nor oversold. The STOCH value of 61.33 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
8338	72 Outperform	¥37.30B	6.26	―	1.20%	8.45%	168.74%
8349	72 Outperform	¥14.16B	8.84	―	3.58%	13.77%	19.08%
8537	71 Outperform	¥21.98B	10.09	―	3.50%	16.60%	-5.51%
8383	70 Outperform	¥15.40B	11.08	―	3.30%	11.93%	36.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8364	64 Neutral	¥29.10B	13.29	―	2.59%	4.90%	―
8542	64 Neutral	¥17.84B	10.49	―	3.37%	3.70%	24.98%

Shimizu Bank, Ltd. Corporate Events

Shimizu Bank Exceeds Financial Forecasts for First Half of Fiscal Year

The Shimizu Bank, Ltd. reported a significant positive variance between its forecasted and actual financial results for the first half of the fiscal year ending March 31, 2026. The bank’s actual ordinary income, profit, and earnings per share exceeded expectations due to higher net interest income and lower expenses and credit-related costs. Despite these favorable results, the bank has decided to maintain its full-year financial forecast, citing current economic conditions.

The most recent analyst rating on (JP:8364) stock is a Hold with a Yen2262.00 price target. To see the full list of analyst forecasts on Shimizu Bank, Ltd. stock, see the JP:8364 Stock Forecast page.

Shimizu Bank Achieves Compliance with Prime Market Listing Criteria

Shimizu Bank, Ltd. announced its compliance with the Tokyo Stock Exchange’s Prime Market Continued Listing Criteria as of September 30, 2025, after previously being non-compliant in terms of tradable share market capitalization. The bank aims to enhance its sustainable corporate value to maintain this compliance.

The most recent analyst rating on (JP:8364) stock is a Hold with a Yen2059.00 price target. To see the full list of analyst forecasts on Shimizu Bank, Ltd. stock, see the JP:8364 Stock Forecast page.