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Shimizu Bank, Ltd. (8364) AI Stock Analysis
Shimizu Bank, Ltd.
(TSE/TYO:8364)
The overall score of 67 is primarily driven by strong technical momentum and a recovering balance sheet featuring significant debt reduction. However, the score is constrained by historically volatile cash flows, thin profit margins, and a moderate valuation profile lacking a standout dividend yield.
Shimizu Bank, Ltd. (8364) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 32.11B
- Dividend Yield
- 2.37%
- Average Volume (3M)
- 46.81K
- Price to Earnings (P/E)
- 13.1
- Beta (1Y)
- 1.13
- Revenue Growth
- 21.18%
- EPS Growth
- 10.36%
- Country
- Japan
- Employees
- 926
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Shimizu Bank, Ltd. Business Overview & Revenue Model
Company Description
Headquartered in Shizuoka, Japan, The Shimizu Bank, Ltd. has been delivering a comprehensive suite of banking and related financial services across Japan since its establishment in 1928. Its offerings encompass fundamental banking operations like cur...
How the Company Makes Money
Shimizu Bank makes money mainly through (1) net interest income and (2) non-interest (fee) income, alongside smaller contributions from other banking-related activities. 1) Net interest income (core earnings): The bank accepts deposits (ordinary/time...
Shimizu Bank, Ltd. Financial Statement Overview
Summary
Displays solid recovery with positive revenue growth and aggressive debt reduction, though hindered by thin profit margins and erratic cash flow generation.
Income Statement
68PositiveBalance Sheet
75PositiveCash Flow
50Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.71B | 32.03B | 22.67B | 23.26B | 22.01B | 21.35B |
| Gross Profit | 28.00B | 27.10B | 21.19B | 20.91B | 20.35B | 20.90B |
| EBITDA | 4.29B | 4.68B | 3.76B | -3.37B | 2.57B | 4.69B |
| Net Income | 2.38B | 2.00B | 1.86B | -3.30B | 1.47B | 2.58B |
Balance Sheet | ||||||
| Total Assets | 1.83T | 1.81T | 1.81T | 1.76T | 1.89T | 1.81T |
| Cash, Cash Equivalents and Short-Term Investments | 240.43B | 226.39B | 243.10B | 165.70B | 248.75B | 186.75B |
| Total Debt | 51.37B | 77.18B | 118.03B | 133.95B | 126.69B | 295.63B |
| Total Liabilities | 1.75T | 1.73T | 1.73T | 1.68T | 1.81T | 1.73T |
| Stockholders Equity | 80.91B | 79.34B | 71.65B | 78.40B | 73.67B | 81.13B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 7.80B | 0 | -6.70B | 57.40B | -1.07B |
| Operating Cash Flow | 0 | 8.82B | 0 | -6.26B | 58.32B | 77.00M |
| Investing Cash Flow | 0 | -22.19B | 4.74B | 61.00B | 4.83B | -28.35B |
| Financing Cash Flow | 0 | -4.44B | 51.92B | -81.21B | -797.00M | -719.00M |
Shimizu Bank, Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8364, the sentiment is Negative. The current price of 2739.00 is below the 20-day moving average (MA) of 2883.35, below the 50-day MA of 3035.97, and above the 200-day MA of 2682.37, indicating a neutral trend. The MACD of -97.19 indicates Positive momentum. The RSI at 42.06 is Neutral, neither overbought nor oversold. The STOCH value of 79.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8364.
Shimizu Bank, Ltd. Peers Comparison
Overall Rating
JP:838379Outperform
JP:855177Outperform
JP:854269Neutral- JP:836467Neutral
JP:853754Neutral
JP:855850.9Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8383 | 79Outperform | JPY 16.45B | 8.46 | ― | 2.97% | 22.16% | 44.08% |
| JP:8551 | 77Outperform | JPY 60.49B | 11.27 | ― | 8.54% | 17.34% | 27.36% |
| JP:8542 | 69Neutral | JPY 20.92B | 8.64 | ― | 2.86% | 9.09% | 70.21% |
| JP:8364 | 67Neutral | JPY 32.87B | 13.05 | ― | 2.37% | 21.18% | 10.36% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8537 | 54Neutral | JPY 28.81B | 12.04 | ― | 3.71% | 19.65% | -7.81% |
| JP:8558 | 51Neutral | JPY 46.44B | -1.55 | ― | 2.74% | 25.84% | -628.29% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8364 | Shimizu Bank, Ltd. | 2739.00 | 730.27 | 36.35% | |
| JP:8383 | TOTTORI BANK, LTD. | 1681.00 | 365.19 | 27.75% | |
| JP:8537 | Taiko Bank, Ltd. | 2882.00 | 1196.51 | 70.99% | |
| JP:8542 | Tomato Bank, Ltd. | 1750.00 | 401.48 | 29.77% | |
| JP:8551 | Kita-Nippon Bank, Ltd. | 2294.00 | 1071.99 | 87.72% | |
| JP:8558 | Towa Bank, Ltd. | 1278.00 | 367.84 | 40.41% |
Shimizu Bank, Ltd. Corporate Events
Shimizu Bank Lifts Earnings Outlook and Raises Dividend Forecast
Shimizu Bank, Ltd. has raised its consolidated and non-consolidated earnings forecasts for the fiscal year ending March 31, 2027, citing stronger-than-expected performance in the first half. The bank now projects higher ordinary income and profit, wi...
Shimizu Bank Posts Higher Capital Adequacy Ratios in First Quarter
Shimizu Bank reported that its consolidated capital adequacy ratio under the domestic standard improved to 8.79% as of June 30, 2026, up from 8.54% at the end of March. The increase reflects a rise in core capital and a decline in risk-weighted asset...
Shimizu Bank Delivers Profit Surge While Holding Dividend and Earnings Guidance Steady
Shimizu Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income rising 19.9 percent year on year to ¥9.9 billion and ordinary profit surging 45.8 percent to ¥2.25 billion. Profit attributable...
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 19, 2026