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Shimane Bank, Ltd.
(7150)
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Rating:56Neutral
Price Target:
¥523.00
▼(-5.94% Downside)
Action:Reiterated
Date:08/17/26
The score is held back primarily by uneven financial quality—margin compression, modest ROE trends, and especially volatile cash flow history—despite improving revenue. Technicals are a supporting factor with positive momentum and price above key short-term averages, but the longer-term trend remains weaker (below the 200D). Valuation is also a mild negative due to the negative P/E, with only modest support from the ~2% dividend yield.
Positive Factors
Regional deposit franchise
A concentrated retail and corporate footprint in Shimane creates a sticky local deposit base and deep customer relationships. That stable funding and commercial lending franchise support predictable net interest income and lower customer churn, aiding medium-term earnings resilience.
Negative Factors
Cash-flow volatility
Multi-year swings in operating and free cash flow weaken confidence in earnings quality and cash-generation predictability. Such instability hampers consistent dividend funding, capital planning and the bank's ability to absorb loan losses, raising structural funding and operational risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Regional deposit franchise
A concentrated retail and corporate footprint in Shimane creates a sticky local deposit base and deep customer relationships. That stable funding and commercial lending franchise support predictable net interest income and lower customer churn, aiding medium-term earnings resilience.
Read all positive factors
Shimane Bank, Ltd. (7150) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥4.41B
Dividend Yield1.88%
Average Volume (3M)12.84K
Price to Earnings (P/E)―
Beta (1Y)0.82
Revenue Growth24.38%
EPS Growth-279.35%
CountryJP
Employees316
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)-96.70
Shares Outstanding8,416,000
10 Day Avg. Volume18,220
30 Day Avg. Volume12,840
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)0.34
Price to Sales (P/S)0.42
P/FCF Ratio5.44
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
Shimane Bank, Ltd. Business Overview & Revenue Model
Company Description
The Shimane Bank, Ltd. is a Japanese financial institution that delivers a broad spectrum of banking products and services to both individual consumers and corporate clients. Its offerings include diverse deposit accounts and an extensive range of...
How the Company Makes Money
Shimane Bank, Ltd. makes money primarily through banking intermediation and fee-based financial services. The main revenue stream is interest income: the bank collects interest on loans and other interest-earning assets (such as corporate and cons...
Shimane Bank, Ltd. Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.04B | 9.86B | 9.39B | 8.34B | 7.32B | 7.50B |
| Gross Profit | 7.21B | 7.97B | 8.68B | 7.83B | 6.94B | 7.12B |
| EBITDA | -731.00M | 1.09B | 1.38B | 1.09B | 975.00M | 844.00M |
| Net Income | -619.00M | 371.00M | 609.00M | 419.00M | 418.00M | 294.00M |
Balance Sheet | ||||||
| Total Assets | 563.16B | 563.16B | 568.78B | 534.21B | 503.76B | 523.07B |
| Cash, Cash Equivalents and Short-Term Investments | 31.81B | 26.12B | 46.56B | 33.59B | 28.07B | 46.79B |
| Total Debt | 11.50B | 18.23B | 19.97B | 18.03B | 13.20B | 35.28B |
| Total Liabilities | 552.04B | 550.79B | 553.84B | 515.54B | 486.79B | 509.02B |
| Stockholders Equity | 11.01B | 12.36B | 14.92B | 18.65B | 16.96B | 14.02B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 769.00M | 0.00 | 0.00 | -27.92B | -19.36B |
| Operating Cash Flow | 0.00 | 915.00M | 0.00 | 0.00 | -27.55B | -18.99B |
| Investing Cash Flow | 0.00 | -18.59B | -5.38B | -794.00M | 3.00B | -9.47B |
| Financing Cash Flow | 0.00 | -3.54B | 35.91B | -173.00M | 5.85B | -106.00M |
Shimane Bank, Ltd. Technical Analysis
Positive
556.00
Price Trends
489.96
Positive
499.32
Positive
519.68
Positive
Market Momentum
12.00
Negative
62.73
Neutral
53.74
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7150, the sentiment is Positive. The current price of 556 is above the 20-day moving average (MA) of 504.70, above the 50-day MA of 489.96, and above the 200-day MA of 519.68, indicating a bullish trend. The MACD of 12.00 indicates Negative momentum. The RSI at 62.73 is Neutral, neither overbought nor oversold. The STOCH value of 53.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7150.
Shimane Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥14.42B | 8.61 | ― | 3.74% | 18.72% | 19.57% | |
69 Neutral | ¥12.72B | 12.32 | ― | 2.68% | 24.30% | -0.84% | |
66 Neutral | ¥18.31B | 9.90 | ― | 3.30% | 22.16% | 44.08% | |
59 Neutral | ¥12.76B | 13.89 | ― | 1.89% | 20.99% | ― | |
56 Neutral | ¥4.41B | -5.50 | ― | 2.01% | 24.38% | -279.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | ¥12.10B | -38.93 | ― | 2.74% | 20.60% | -182.73% |
* General Sector Average
JP:7150
Shimane Bank, Ltd.
532.00
40.80
8.31%
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663.46
50.90%
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277.07
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1,152.00
381.82
49.58%
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.