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Shiga Bank, Ltd. (JP:8366)
:8366
Japanese Market
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Shiga Bank, Ltd. (8366) AI Stock Analysis

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JP:8366

Shiga Bank, Ltd.

(8366)

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Outperform 71 (OpenAI - 4o)
Rating:71Outperform
Price Target:
¥7,203.00
▲(6.40% Upside)
Shiga Bank's overall stock score is driven by strong technical indicators and reasonable valuation. Financial performance is stable but requires attention to leverage and operational efficiency. The absence of earnings call and corporate events data did not impact the score.

Shiga Bank, Ltd. (8366) vs. iShares MSCI Japan ETF (EWJ)

Shiga Bank, Ltd. Business Overview & Revenue Model

Company DescriptionThe Shiga Bank, Ltd. provides various banking products and services in Japan and internationally. The company accepts various deposits products, including current, ordinary, notice, time, and other deposits, as well as negotiable certificates of deposit. It also offers loans and bills discounted; loans on bills and deeds; overdrafts; investment trust services; life insurance products; and financial instruments intermediary services. As of March 31, 2021, the company operated through 133 offices and branches, including 25 agents. The Shiga Bank, Ltd. was incorporated in 1933 and is headquartered in Otsu, Japan.
How the Company Makes MoneyShiga Bank generates revenue primarily through interest income from loans and advances to customers, which constitutes a significant portion of its earnings. The bank lends to both individual and corporate clients, earning interest on these loans. Additionally, Shiga Bank earns fee income from various services such as asset management, investment advisory, and transaction services. The bank may also generate revenue through investment income from its securities holdings and other financial instruments. Key partnerships with local businesses and government entities enhance its lending capabilities and facilitate growth in its client base, further contributing to its financial performance.

Shiga Bank, Ltd. Financial Statement Overview

Summary
Shiga Bank shows strong revenue growth and profitability, but faces challenges with declining EBIT and EBITDA margins and high leverage. Cash flow conversion from income is an area of concern, although free cash flow growth is promising. Overall, the bank's financial health is stable but requires attention to leverage and operational efficiency.
Income Statement
75
Positive
Shiga Bank has demonstrated consistent revenue growth with a notable 8.94% increase in the latest year. The net profit margin remains strong at 15.31%, indicating solid profitability. However, there is a decline in EBIT and EBITDA margins compared to previous years, suggesting potential cost management issues.
Balance Sheet
65
Positive
The bank's debt-to-equity ratio is relatively high at 2.47, indicating significant leverage which could pose risks if not managed properly. Return on equity is modest at 4.21%, reflecting moderate efficiency in generating profits from shareholder equity. The equity ratio is not explicitly calculated, but the high leverage suggests a lower proportion of equity in the asset base.
Cash Flow
60
Neutral
Free cash flow has shown significant growth, but the operating cash flow to net income ratio is low at 0.08, indicating potential issues in converting income into cash. The free cash flow to net income ratio is healthier at 0.58, suggesting some ability to generate cash relative to net income.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue107.14B126.70B116.90B110.41B94.21B74.58B
Gross Profit107.14B103.31B99.14B103.52B91.26B74.58B
EBITDA16.87B12.92B26.14B22.01B25.66B15.50B
Net Income18.72B18.72B15.94B14.86B17.71B11.45B
Balance Sheet
Total Assets7.53T7.53T7.97T7.31T7.54T7.79T
Cash, Cash Equivalents and Short-Term Investments898.94B898.94B1.36T1.20T1.75T2.01T
Total Debt1.10T1.10T1.47T776.55B1.27T1.42T
Total Liabilities7.08T7.08T7.48T6.86T7.07T7.30T
Stockholders Equity444.81B444.81B490.89B441.22B464.21B495.47B
Cash Flow
Free Cash Flow0.0012.75B368.47B-488.52B-284.07B1.24T
Operating Cash Flow0.0021.98B369.60B-483.43B-278.96B1.24T
Investing Cash Flow0.00-47.63B-288.59B-57.99B21.82B-126.66B
Financing Cash Flow0.00-7.61B565.53B-7.95B200.07B-34.34B

Shiga Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price6770.00
Price Trends
50DMA
6424.00
Positive
100DMA
6206.00
Positive
200DMA
5388.13
Positive
Market Momentum
MACD
45.09
Negative
RSI
60.13
Neutral
STOCH
71.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8366, the sentiment is Positive. The current price of 6770 is above the 20-day moving average (MA) of 6573.50, above the 50-day MA of 6424.00, and above the 200-day MA of 5388.13, indicating a bullish trend. The MACD of 45.09 indicates Negative momentum. The RSI at 60.13 is Neutral, neither overbought nor oversold. The STOCH value of 71.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8366.

Shiga Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥390.05B3.966.13%9.20%6.67%51.21%
78
Outperform
¥363.84B11.805.71%3.22%4.24%23.16%
77
Outperform
¥303.65B15.572.09%19.98%10.24%
71
Outperform
¥317.75B15.951.33%6.36%67.68%
63
Neutral
¥412.39B14.403.23%10.60%20.32%
42
Neutral
¥330.66B17.163.56%-3.50%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8366
Shiga Bank, Ltd.
6,770.00
3,551.55
110.35%
JP:8304
Aozora Bank
2,390.50
-199.03
-7.69%
JP:8358
Suruga Bank
1,577.00
473.53
42.91%
JP:8418
Yamaguchi Financial Group
1,861.00
336.39
22.06%
JP:5832
Chugin Financial Group,Inc.
2,247.00
846.53
60.45%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
4,270.00
1,971.64
85.78%

Shiga Bank, Ltd. Corporate Events

Shiga Bank Completes Treasury Share Acquisition
Mar 14, 2025

Shiga Bank, Ltd. has completed the acquisition of its own shares, purchasing 178,700 shares at a total cost of JPY 850,905,500 through market purchases on the Tokyo Stock Exchange. This acquisition is part of a broader plan approved by the Board of Directors to acquire up to 1,150,000 shares, representing 2.45% of the total issued shares, with a budget of JPY 4,000,000,000. The completion of this acquisition could potentially enhance shareholder value and optimize the bank’s capital structure.

Shiga Bank Announces Treasury Share Acquisition
Mar 3, 2025

Shiga Bank, Ltd. announced the acquisition of 672,200 of its own shares at a total cost of JPY 3,149,044,000, as part of a previously resolved plan to buy back up to 1,150,000 shares. This move is part of the bank’s strategic financial management, potentially impacting its share value and providing returns to shareholders.

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.Date of analysis: Aug 29, 2025