Shikoku Bank Ltd. (JP:8387)
:8387
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Shikoku Bank Ltd.
(8387)
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Rating:71Outperform
Price Target:
¥2,776.00
▲(46.72% Upside)
Action:Reiterated
Date:05/13/26
The score is driven primarily by attractive valuation (low P/E with a dividend) and improved recent profitability/cash conversion. Offsetting factors are financial volatility (cash flow swings and more variable/higher leverage) and a mixed near-term technical picture despite a still-positive longer-term trend.
Positive Factors
Improved Profitability
A sharp step-up to ~21% net margin in 2026 reflects structurally stronger core earnings and better expense or interest spread control. Sustained higher margins increase internal capital generation, support dividend capacity and loan growth, and provide a buffer versus cyclical headwinds.
Negative Factors
Cash Flow Volatility
Prior episodes of very large negative operating and free cash flow (notably 2023) indicate material cash volatility. That detracts from confidence in funding stability and capital planning, increasing sensitivity to deposit flows and market funding during stress periods over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Profitability
A sharp step-up to ~21% net margin in 2026 reflects structurally stronger core earnings and better expense or interest spread control. Sustained higher margins increase internal capital generation, support dividend capacity and loan growth, and provide a buffer versus cyclical headwinds.
Read all positive factors
Shikoku Bank Ltd. (8387) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥116.16B
Dividend Yield3.05%
Average Volume (3M)106.91K
Price to Earnings (P/E)5.4
Beta (1Y)0.97
Revenue Growth49.84%
EPS Growth156.03%
CountryJP
Employees1,263
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)170.49
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. 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
78
Positive
Balance Sheet
59
Neutral
Cash Flow
62
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.87B | 84.85B | 50.98B | 50.09B | 58.27B | 40.01B |
| Gross Profit | 48.87B | 75.65B | 47.08B | 48.80B | 56.48B | 38.92B |
| EBITDA | 9.86B | 24.70B | 12.33B | 11.20B | 10.02B | 12.74B |
| Net Income | 7.12B | 17.45B | 6.81B | 7.29B | 5.55B | 7.95B |
Balance Sheet | ||||||
| Total Assets | 3.46T | 3.51T | 3.38T | 3.31T | 3.32T | 3.63T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 299.37B | 178.83B | 217.36B | 411.09B | 643.72B |
| Total Debt | 188.11B | 229.29B | 182.87B | 66.57B | 8.36B | 294.66B |
| Total Liabilities | 3.30T | 3.32T | 3.21T | 3.14T | 3.17T | 3.48T |
| Stockholders Equity | 165.62B | 190.96B | 160.07B | 168.09B | 149.82B | 154.48B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.45B | 41.29B | 25.64B | -364.04B | 0.00 |
| Operating Cash Flow | 0.00 | 21.94B | 42.36B | 26.64B | -362.23B | 0.00 |
| Investing Cash Flow | 0.00 | 20.83B | -132.58B | -95.86B | 131.79B | 9.90B |
| Financing Cash Flow | 0.00 | 74.46B | 52.88B | -54.44B | -1.86B | 165.98B |
Shikoku Bank Ltd. Technical Analysis
Positive
1892.00
Price Trends
2480.67
Positive
2267.79
Positive
1844.64
Positive
Market Momentum
78.42
Negative
67.28
Neutral
89.68
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 2616.05, below the 50-day MA of 2480.67, and above the 200-day MA of 1844.64, indicating a bullish trend. The MACD of 78.42 indicates Negative momentum. The RSI at 67.28 is Neutral, neither overbought nor oversold. The STOCH value of 89.68 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 | ¥77.52B | 6.81 | ― | 2.34% | 3.68% | 26.06% | |
71 Outperform | ¥116.16B | 5.37 | ― | 3.05% | 49.84% | 156.03% | |
71 Outperform | ¥266.40B | 14.34 | ― | 2.53% | 16.63% | 19.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥943.92B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% | |
60 Neutral | ¥13.07B | 27.72 | ― | 2.74% | 17.43% | -35.15% |
* Financial Sector Average
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Shikoku Bank Ltd. Corporate Events
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...
Shikoku Bank Raises Target Dividend Payout Ratio to 40% From Fiscal 2026
Apr 13, 2026
Shikoku Bank has revised its shareholder return policy, raising its target dividend payout ratio from at least 30% to at least 40% of profit attributable to owners of the parent. The change reflects the bank group’s efforts to enhance shareh...
Shikoku Bank Launches Three-Year Medium-Term Plan to Drive Transformation and Regional Growth
Apr 13, 2026
Shikoku Bank has unveiled its three-year Medium-Term Management Plan 2026, covering April 2026 to March 2029 as a critical stage toward its 10-Year Vision. The plan centers on “Deepening transformation and Further Growth of the Bank,” ...
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.