Shimizu Bank, Ltd. (JP:8364)
:8364
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Shimizu Bank, Ltd.
(8364)
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Rating:65Neutral
Price Target:
¥2,840.00
▲(24.18% 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 rebound
A sharp revenue acceleration in 2026 (+21.6% YoY) signals improving core loan and fee activity. Sustained top-line momentum over several quarters can support rebuilding earnings power, strengthen capital retention and enable reinvestment into digital and SME services, aiding durable recovery.
Negative Factors
Low return on equity
Persistently low ROE (~2.5%) indicates weak returns on the bank's capital base and limits internal capital generation. Over the medium term, such low profitability constrains ability to expand lending, raise dividends, or absorb shocks without dilutive capital measures unless margins or asset yields sustainably improve.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth rebound
A sharp revenue acceleration in 2026 (+21.6% YoY) signals improving core loan and fee activity. Sustained top-line momentum over several quarters can support rebuilding earnings power, strengthen capital retention and enable reinvestment into digital and SME services, aiding durable recovery.
Read all positive factors
Shimizu Bank, Ltd. (8364) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥28.49B
Dividend Yield2.59%
Average Volume (3M)36.21K
Price to Earnings (P/E)14.2
Beta (1Y)0.80
Revenue Growth17.44%
EPS Growth9.43%
CountryJP
Employees982
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)190.05
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, Ltd. makes money primarily through (1) net interest income and (2) non-interest income, with additional contribution from securities and other financial activities.
1) Net interest income (core revenue): The bank collects deposits (...
Shimizu Bank, Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
56
Neutral
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.35B | 32.03B | 22.67B | 23.26B | 22.01B | 21.35B |
| Gross Profit | 26.35B | 27.10B | 21.19B | 20.91B | 20.35B | 20.90B |
| EBITDA | 2.40B | 4.68B | 3.76B | -3.37B | 2.57B | 4.69B |
| Net Income | 2.15B | 2.00B | 1.86B | -3.30B | 1.47B | 2.58B |
Balance Sheet | ||||||
| Total Assets | 1.80T | 1.81T | 1.81T | 1.76T | 1.89T | 1.81T |
| Cash, Cash Equivalents and Short-Term Investments | 233.12B | 226.39B | 243.10B | 165.70B | 248.75B | 186.75B |
| Total Debt | 106.67B | 77.18B | 118.03B | 133.95B | 126.69B | 295.63B |
| Total Liabilities | 1.73T | 1.73T | 1.73T | 1.68T | 1.81T | 1.73T |
| Stockholders Equity | 73.94B | 79.34B | 71.65B | 78.40B | 73.67B | 81.13B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.80B | 0.00 | -6.70B | 57.40B | -1.07B |
| Operating Cash Flow | 0.00 | 8.82B | 0.00 | -6.26B | 58.32B | 77.00M |
| Investing Cash Flow | 0.00 | -22.19B | 4.74B | 61.00B | 4.83B | -28.35B |
| Financing Cash Flow | 0.00 | -4.44B | 51.92B | -81.21B | -797.00M | -719.00M |
Shimizu Bank, Ltd. Technical Analysis
Neutral
2287.00
Price Trends
2526.66
Negative
2573.43
Negative
2336.35
Positive
Market Momentum
-15.06
Negative
47.73
Neutral
57.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8364, the sentiment is Neutral. The current price of 2287 is below the 20-day moving average (MA) of 2463.80, below the 50-day MA of 2526.66, and below the 200-day MA of 2336.35, indicating a neutral trend. The MACD of -15.06 indicates Negative momentum. The RSI at 47.73 is Neutral, neither overbought nor oversold. The STOCH value of 57.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8364.
Shimizu Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥25.70B | 9.58 | ― | 3.50% | 18.83% | 12.15% | |
70 Outperform | ¥42.29B | 10.00 | ― | 3.28% | 17.02% | 11.09% | |
69 Neutral | ¥14.93B | 9.68 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥28.49B | 14.20 | ― | 2.59% | 17.44% | 9.43% | |
59 Neutral | ¥17.21B | 14.88 | ― | 3.37% | 6.15% | -0.87% | |
57 Neutral | ¥50.77B | -2.15 | ― | 2.87% | 26.62% | -664.91% |
* Financial Sector Average
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Shimizu Bank, Ltd. Corporate Events
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 ...
Shimizu Bank Sets 29th Medium-Term Plan to Accelerate Growth Ahead of Centennial
Mar 30, 2026
Shimizu Bank has unveiled its 29th Medium-Term Management Plan, branded “KASOKU (Acceleration) – Passing the Tasuki,” covering the period from April 1, 2026 to March 31, 2029 as the final phase leading to its 100th anniversary in...
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.