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Shikoku Bank Ltd.
(8387)
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Rating:73Outperform
Price Target:
¥3,863.00
▲(104.18% Upside)
Action:Reiterated
Date:07/25/26
The score is driven primarily by improved recent profitability and strong technical uptrend signals, supported by an attractive low P/E. Offsetting these positives are balance sheet leverage variability and historically volatile cash flows, which reduce confidence in the consistency of the financial profile.
Positive Factors
Margin expansion
A sustained jump in net margin to ~21% materially boosts core earnings power and internal capital generation. Higher margins provide durable buffers for credit costs, support reinvestment in the franchise and improve resilience to cyclical headwinds over a multi-month horizon.
Negative Factors
Rising and variable leverage
A swing to higher and more variable leverage increases sensitivity to funding stress and interest-rate shifts. Persistent higher leverage reduces room to absorb credit losses, constrains strategic optionality and heightens balance-sheet risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin expansion
A sustained jump in net margin to ~21% materially boosts core earnings power and internal capital generation. Higher margins provide durable buffers for credit costs, support reinvestment in the franchise and improve resilience to cyclical headwinds over a multi-month horizon.
Read all positive factors
Shikoku Bank Ltd. (8387) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥136.88B
Dividend Yield1.8%
Average Volume (3M)106.91K
Price to Earnings (P/E)8.0
Beta (1Y)0.88
Revenue Growth24.77%
EPS Growth156.11%
CountryJP
Employees1,319
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)418.06
Shares Outstanding42,400,000
10 Day Avg. Volume92,490
30 Day Avg. Volume106,906
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)0.49
Price to Sales (P/S)1.10
P/FCF Ratio4.58
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
Shikoku Bank Ltd. Business Overview & Revenue Model
Company Description
The Shikoku Bank, Ltd., together with its subsidiaries, provides various commercial banking products and services for individual and corporate customers in Japan. It offers time, property, fixed term, and foreign currency deposits; free card, owne...
How the Company Makes Money
Shikoku Bank primarily makes money through (1) net interest income and (2) fee and commission income, with additional contributions from securities-related income and other operating income.
1) Net interest income (core earnings driver)
- Lending...
Shikoku Bank Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
59
Neutral
Cash Flow
62
Positive
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 84.85B | 50.98B | 50.09B | 58.27B | 40.01B |
| Gross Profit | 75.65B | 47.08B | 48.80B | 56.48B | 38.92B |
| EBITDA | 24.70B | 12.33B | 11.20B | 10.02B | 12.74B |
| Net Income | 17.45B | 6.81B | 7.29B | 5.55B | 7.95B |
Balance Sheet | |||||
| Total Assets | 3.51T | 3.38T | 3.31T | 3.32T | 3.63T |
| Cash, Cash Equivalents and Short-Term Investments | 299.37B | 178.83B | 217.36B | 411.09B | 643.72B |
| Total Debt | 229.29B | 182.87B | 66.57B | 8.36B | 294.66B |
| Total Liabilities | 3.32T | 3.21T | 3.14T | 3.17T | 3.48T |
| Stockholders Equity | 190.96B | 160.07B | 168.09B | 149.82B | 154.48B |
Cash Flow | |||||
| Free Cash Flow | 20.45B | 41.29B | 25.64B | -364.04B | 0.00 |
| Operating Cash Flow | 21.94B | 42.36B | 26.64B | -362.23B | 0.00 |
| Investing Cash Flow | 20.83B | -132.58B | -95.86B | 131.79B | 9.90B |
| Financing Cash Flow | 74.46B | 52.88B | -54.44B | -1.86B | 165.98B |
Shikoku Bank Ltd. Technical Analysis
Positive
1892.00
Price Trends
3076.98
Positive
2801.02
Positive
2307.28
Positive
Market Momentum
118.41
Negative
61.43
Neutral
74.74
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8387, the sentiment is Positive. The current price of 1892 is below the 20-day moving average (MA) of 3334.25, below the 50-day MA of 3076.98, and below the 200-day MA of 2307.28, indicating a bullish trend. The MACD of 118.41 indicates Negative momentum. The RSI at 61.43 is Neutral, neither overbought nor oversold. The STOCH value of 74.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8387.
Shikoku Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥136.88B | 7.97 | ― | 3.05% | 24.77% | 156.11% | |
69 Neutral | ¥108.66B | 15.06 | ― | 2.34% | 3.68% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥1.10T | 14.32 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥323.41B | 18.51 | ― | 2.53% | 23.28% | 40.80% | |
64 Neutral | ¥124.84B | 13.29 | ― | 2.46% | 16.88% | 59.33% | |
60 Neutral | ¥11.32B | 21.01 | ― | 2.74% | 22.59% | -35.15% |
* Financial Sector Average
JP:8387
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Shikoku Bank Ltd. Corporate Events
Shikoku Bank to Grant Restricted Treasury Shares to Directors Under Long-Term Incentive Plan
Jul 24, 2026
Shikoku Bank’s board has approved the disposal of 12,700 treasury shares as restricted stock compensation to six internal directors, valued at about ¥42.1 million and priced at the Tokyo Stock Exchange closing price of ¥3,315 per s...
Shikoku Bank Books Provisions After Client ZENTOSHIN Enters Bankruptcy
Jul 10, 2026
Shikoku Bank has disclosed that its client ZENTOSHIN Co., Ltd., a credit card payment processing company based in Osaka with share capital of ¥4.5 billion, entered court-ordered bankruptcy proceedings on July 6, 2026. The bank’s exposur...
Shikoku Bank to Grant Restricted Stock to 1,472 Employees in Human Capital Push
May 25, 2026
Shikoku Bank will dispose of 52,604 treasury shares of its common stock as restricted stock compensation to 1,472 employees, with a disposal value of ¥2,826 per share and a total value of about ¥148.7 million. The program represents a mi...
Shikoku Bank Boosts Ordinary Income on Higher Interest Earnings
May 12, 2026
Shikoku Bank reported a sharp rise in ordinary income for the fiscal year ended March 31, 2026, with consolidated ordinary income climbing about 29% to ¥69.5 billion and non-consolidated ordinary income increasing roughly 26% to ¥68.2 bi...
Shikoku Bank Posts Profit Surge and Hikes Dividend as Assets Grow
May 12, 2026
The Shikoku Bank reported a sharp improvement in its fiscal year ended March 31, 2026, with ordinary income rising 29.1% to ¥69.5 billion and ordinary profit up 36.6% to ¥14.0 billion, while profit attributable to owners of the parent su...
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.