Shimizu Bank, Ltd. (JP:8364)
:8364
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Shimizu Bank, Ltd.
(8364)
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Rating:64Neutral
Price Target:
¥2,902.00
▲(26.89% Upside)
Action:ReiteratedDate:12/26/25
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
Strong operating cash generation
Sustained high operating cash conversion (OCF/Net Income ~4.95) indicates the bank consistently converts accounting profits into real cash. This improves liquidity, funds lending or reserves internally, reduces short-term funding reliance and supports capital allocation over coming quarters.
Negative Factors
Elevated leverage
A debt-to-equity ratio around 1.65 signals significant leverage for a regional bank. Elevated leverage increases sensitivity to credit stress, interest-rate shifts and funding shocks, constraining capital flexibility and raising the risk of heavier provisioning or regulatory pressure over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong operating cash generation
Sustained high operating cash conversion (OCF/Net Income ~4.95) indicates the bank consistently converts accounting profits into real cash. This improves liquidity, funds lending or reserves internally, reduces short-term funding reliance and supports capital allocation over coming quarters.
Read all positive factors
Shimizu Bank, Ltd. (8364) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥29.26B
Dividend Yield2.59%
Average Volume (3M)36.21K
Price to Earnings (P/E)7.9
Beta (1Y)0.81
Revenue Growth4.90%
EPS GrowthN/A
CountryJP
Employees982
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)77.20
Shares Outstanding11,641,318
10 Day Avg. Volume23,260
30 Day Avg. Volume36,213
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.24
Price to Sales (P/S)0.76
P/FCF Ratio0.00
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
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 ...
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
60
Neutral
Balance Sheet
55
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
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 | 133.95B | 126.69B | 295.63B | 206.91B |
| 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 | 0.00 | -6.70B | 57.40B | -1.07B | 140.68B |
| Operating Cash Flow | 0.00 | 0.00 | -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
Positive
2287.00
Price Trends
2622.87
Negative
2437.37
Positive
2087.89
Positive
Market Momentum
-25.83
Negative
47.61
Neutral
54.92
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 2530.61, below the 50-day MA of 2622.87, and above the 200-day MA of 2087.89, indicating a neutral trend. The MACD of -25.83 indicates Negative momentum. The RSI at 47.61 is Neutral, neither overbought nor oversold. The STOCH value of 54.92 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥39.55B | 24.09 | ― | 2.87% | 16.42% | 119.62% | |
72 Outperform | ¥23.88B | 7.08 | ― | 3.50% | 16.60% | -5.51% | |
68 Neutral | ¥39.20B | 10.62 | ― | 3.28% | 22.26% | -12.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥18.48B | 4.85 | ― | 3.37% | 3.70% | 24.98% | |
64 Neutral | ¥29.26B | 7.87 | ― | 2.59% | 4.90% | ― | |
64 Neutral | ¥15.77B | 4.33 | ― | 3.30% | 11.93% | 36.32% |
* Financial Sector Average
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Shimizu Bank, Ltd. Corporate Events
Shimizu Bank Posts Stable Capital Adequacy Ratios in Third Quarter
Feb 13, 2026
The Shimizu Bank, Ltd., a regional lender listed on the TSE Prime market, continues to focus on maintaining sound capital levels under Japan’s domestic regulatory framework while serving retail and corporate customers. Its risk-management an...
Shimizu Bank Posts Strong Nine-Month Profit Gain, Keeps Dividend and Forecast Unchanged
Feb 10, 2026
Shimizu Bank reported strong consolidated results for the nine months ended Dec. 31, 2025, with ordinary income rising 15.4% year on year to ¥24.7 billion and ordinary profit jumping 43.3% to ¥3.23 billion. Profit attributable to owners ...
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.