Shimizu Bank, Ltd. (8364) AI Stock Analysis

• Market Cap: ¥22.68B
• Dividend Yield: 3.05%
• Average Volume (3M): 56.09K
• Price to Earnings (P/E): 10.3
• 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: 50,960
• 30 Day Avg. Volume: 56,086
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 4.62% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: ¥2,059.00 ▲(4.62% 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

Shimizu Bank, Ltd. (8364) is a regional bank based in Japan, primarily serving the financial needs of individuals and businesses in its local community. The bank offers a wide range of financial products and services, including personal banking, corporate banking, loans, deposits, investment services, and wealth management. With a commitment to supporting local economic development, Shimizu Bank plays a vital role in fostering relationships with customers and contributing to regional growth.

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	22.67B	22.67B	23.26B	22.01B	21.35B	25.71B
Gross Profit	19.53B	20.20B	20.91B	20.35B	26.45B	25.71B
EBITDA	1.24B	699.00M	-3.37B	2.57B	4.69B	4.60B
Net Income	1.86B	1.86B	-3.30B	1.47B	2.58B	2.16B
Balance Sheet
Total Assets	1.81T	1.81T	1.76T	1.89T	1.81T	1.80T
Cash, Cash Equivalents and Short-Term Investments	243.10B	243.10B	165.70B	248.75B	186.75B	216.19B
Total Debt	118.03B	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	71.65B	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: 1968.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: 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 1968 is above the 20-day moving average (MA) of 1852.35, above the 50-day MA of 1639.92, and above the 200-day MA of 1473.08, indicating a bullish trend. The MACD of 88.70 indicates Positive momentum. The RSI at 82.21 is Negative, neither overbought nor oversold. The STOCH value of 80.61 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8383	73 Outperform	¥12.69B	9.82		3.71%	9.46%	9.41%
8349	72 Outperform	¥12.89B	11.15		3.68%	7.67%	-26.27%
8537	72 Outperform	¥17.06B	6.96		3.59%	14.06%	20.87%
8542	69 Neutral	¥16.01B	11.13		3.59%	2.61%	-7.91%
8364	69 Neutral	¥22.68B	10.28		3.05%	0.44%	―
Sector *	68 Neutral	$17.80B	11.94	9.89%	3.74%	9.69%	1.17%
8338	60 Neutral	¥24.67B	5.54		1.67%	1.45%	73.78%