Shikoku Bank Ltd. (JP:8387)
:8387
Top Page
Shikoku Bank Ltd.
(8387)
Select Model
Select Model
Rating:75Outperform
Price Target:
¥2,825.00
▲(49.31% Upside)
Action:ReiteratedDate:03/06/26
The score is driven primarily by stable financial performance with especially strong cash flow, and a very attractive valuation (low P/E with a reasonable yield). This is tempered by higher balance-sheet leverage risk and mixed near-term technical momentum (below the 20-day average with subdued RSI/Stoch readings).
Positive Factors
Cash generation
A very strong operating cash flow to net income ratio (10.94) and free cash flow near parity with earnings indicate durable internal funding. This supports loan origination, dividend capacity, and reserve building without heavy reliance on external financing over months ahead.
Negative Factors
Rising leverage
A materially higher debt-to-equity ratio (1.14) raises sensitivity to interest-rate moves and funding stress. Elevated leverage can squeeze margins via higher funding costs and reduce regulatory headroom, constraining balance-sheet resilience and strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
A very strong operating cash flow to net income ratio (10.94) and free cash flow near parity with earnings indicate durable internal funding. This supports loan origination, dividend capacity, and reserve building without heavy reliance on external financing over months ahead.
Read all positive factors
Shikoku Bank Ltd. (8387) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥101.82B
Dividend Yield3.05%
Average Volume (3M)106.91K
Price to Earnings (P/E)1.5
Beta (1Y)0.94
Revenue Growth8.75%
EPS Growth-12.68%
CountryJP
Employees1,263
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)285.27
Shares Outstanding42,400,000
10 Day Avg. Volume92,490
30 Day Avg. Volume106,906
Financial Highlights & Ratios
PEG Ratio-1.12
Price to Book (P/B)0.31
Price to Sales (P/S)0.98
P/FCF Ratio1.22
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. provides various commercial banking products and services for individual and corporate customers in Japan. The company offers time, property accumulation, and foreign currency deposits; guaranteed, mortgages, card, owner's, ...
How the Company Makes Money
Shikoku Bank primarily makes money through (1) interest income and (2) fee-based income, with additional contributions from securities-related activities.
1) Net interest income (core earnings driver): The bank gathers funds mainly through custom...
Shikoku Bank Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.87B | 50.98B | 50.09B | 58.27B | 40.01B | 38.41B |
| Gross Profit | 48.87B | 47.08B | 48.80B | 56.48B | 38.92B | 36.99B |
| EBITDA | 9.86B | 12.33B | 11.20B | 10.02B | 12.74B | 11.60B |
| Net Income | 7.12B | 6.81B | 7.29B | 5.55B | 7.95B | 6.64B |
Balance Sheet | ||||||
| Total Assets | 3.46T | 3.38T | 3.31T | 3.32T | 3.63T | 3.33T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 178.83B | 217.36B | 411.09B | 643.72B | 335.62B |
| Total Debt | 188.11B | 182.87B | 66.57B | 8.36B | 294.66B | 152.52B |
| Total Liabilities | 3.30T | 3.21T | 3.14T | 3.17T | 3.48T | 3.17T |
| Stockholders Equity | 165.62B | 160.07B | 168.09B | 149.82B | 154.48B | 158.40B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 41.29B | 25.64B | -364.04B | 0.00 | 223.08B |
| Operating Cash Flow | 0.00 | 42.36B | 26.64B | -362.23B | 0.00 | 224.25B |
| Investing Cash Flow | 0.00 | -132.58B | -95.86B | 131.79B | 9.90B | -128.31B |
| Financing Cash Flow | 0.00 | 52.88B | -54.44B | -1.86B | 165.98B | -2.28B |
Shikoku Bank Ltd. Technical Analysis
Positive
1892.00
Price Trends
2275.21
Positive
1987.11
Positive
1640.51
Positive
Market Momentum
57.46
Negative
61.00
Neutral
86.29
Negative
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 2325.23, below the 50-day MA of 2275.21, and above the 200-day MA of 1640.51, indicating a bullish trend. The MACD of 57.46 indicates Negative momentum. The RSI at 61.00 is Neutral, neither overbought nor oversold. The STOCH value of 86.29 is Negative, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥101.82B | 1.54 | ― | 3.05% | 8.75% | -12.68% | |
69 Neutral | ¥102.19B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
69 Neutral | ¥67.24B | 6.31 | ― | 2.34% | -0.97% | 27.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥963.61B | 8.76 | ― | 2.10% | 1.39% | 52.58% | |
65 Neutral | ¥252.44B | 10.90 | ― | 2.53% | 7.67% | 11.03% | |
65 Neutral | ¥11.00B | 8.64 | ― | 2.74% | 7.74% | -92.49% |
* Financial Sector Average
JP:8387
Shikoku Bank Ltd.
2,477.00
1,419.14
134.15%
JP:5830
Iyogin Holdings,Inc.
3,180.00
1,762.33
124.31%
JP:8388
Awa Bank, Ltd.
6,510.00
4,131.28
173.68%
JP:8399
Bank Of The Ryukyus,Limited
2,409.00
1,475.42
158.04%
JP:8416
Bank of Kochi, Ltd.
1,086.00
402.21
58.82%
JP:8541
Ehime Bank, Ltd.
1,721.00
775.45
82.01%
Shikoku Bank Ltd. Corporate Events
Shikoku Bank Lifts Earnings Outlook and Boosts Dividend Payout for FY2026
Mar 27, 2026
Shikoku Bank has raised its consolidated and non-consolidated earnings forecasts for the fiscal year ending March 31, 2026, citing stronger-than-expected net interest income and fee and commission revenues, combined with lower expenses and credit ...
Shikoku Bank to Introduce Restricted Stock Plan for Employees
Mar 23, 2026
Shikoku Bank has approved the introduction of a restricted stock compensation plan for eligible employees as part of a broader push to invest in human capital and enhance long-term corporate value. The scheme is designed to better align employee i...
Shikoku Bank Posts Profit Surge and Raises Full-Year Forecast, Lifts Dividend Outlook
Feb 13, 2026
The Shikoku Bank, Ltd. reported strong results for the nine months ended December 31, 2025, with ordinary income up 21.7% to ¥47.25 billion and ordinary profit up 40.3% to ¥11.64 billion. Profit attributable to owners of the parent surge...
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.