Shimizu Bank, Ltd. (8364) AI Stock Analysis

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Shimizu Bank, Ltd.

(TSE/TYO:8364)

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Rating:60.1Neutral

Price Target:JPY 2,626.00▼(-6.61% Downside)

Action:reiterated

Date:08/19/26

The score is driven primarily by improving financial performance (return to profitability and better leverage), but capped by low ROE and historically volatile cash flows. Technicals are supportive due to a strong uptrend, although overbought signals increase near-term risk. Valuation is reasonable with a moderate P/E and a modest dividend yield.

Positive Factors

Earnings and revenue recoveryThe return to profit across 2025 and 2026, combined with 21.6% revenue growth in 2026, indicates a meaningful recovery in operating performance. If maintained, stronger activity can rebuild earnings capacity and provide more internal resources for lending, customer services, and balance-sheet management.

Negative Factors

Low return on equityROE near 2.5% indicates that the bank is generating only modest profit from its equity base, limiting the efficiency of shareholder capital. Persistently low returns can constrain retained-earnings growth and suggest that the recent profit recovery has not yet translated into strong underlying profitability.

Shimizu Bank, Ltd. (8364) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 31.69B
Dividend Yield: 2.31%
Average Volume (3M): 45.22K
Price to Earnings (P/E): 13.3
Beta (1Y): 1.18
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

Earnings rebounded from a 2024 loss (¥3.3B) to profits in 2025 (¥1.9B) and 2026 (¥2.0B), with strong 2026 revenue growth (+21.6% YoY). Balance-sheet leverage improved to about 1.0x debt-to-equity, but profitability quality remains modest with low ROE (~2.5%) and volatile cash-flow history despite strong 2026 OCF/FCF.

Income Statement

58Neutral

Balance Sheet

56Neutral

Cash Flow

52Neutral

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price2812.00

Price Trends

50DMA2990.62Negative

100DMA2829.42Negative

200DMA2688.92Positive

Market Momentum

MACD-88.22Negative

RSI50.12Neutral

STOCH59.38Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8364, the sentiment is Positive. The current price of 2812.00 is above the 20-day moving average (MA) of 2733.05, below the 50-day MA of 2990.62, and above the 200-day MA of 2688.92, indicating a neutral trend. The MACD of -88.22 indicates Negative momentum. The RSI at 50.12 is Neutral, neither overbought nor oversold. The STOCH value of 59.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8364.

Shimizu Bank, Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8364 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8383	78Outperform	JPY 15.68B	8.53	―	2.91%	22.16%	44.08%
JP:8551	77Outperform	JPY 55.94B	11.43	―	8.26%	17.34%	27.36%
JP:8537	71Outperform	JPY 26.47B	11.80	―	3.72%	19.65%	-7.81%
JP:8542	65Neutral	JPY 19.55B	9.93	―	2.94%	8.68%	23.14%
JP:8364	60Neutral	JPY 31.21B	13.25	―	2.31%	21.18%	10.36%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
JP:8558	48Neutral	JPY 44.81B	-1.94	―	2.67%	25.34%	-481.28%

* General Sector Average

Performance Comparison

JP:8364 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8364	Shimizu Bank, Ltd.	2812.00	821.88	41.30%
JP:8383	TOTTORI BANK, LTD.	1716.00	392.41	29.65%
JP:8537	Taiko Bank, Ltd.	2875.00	1216.47	73.35%
JP:8542	Tomato Bank, Ltd.	1703.00	333.09	24.31%
JP:8551	Kita-Nippon Bank, Ltd.	2373.00	1046.07	78.83%
JP:8558	Towa Bank, Ltd.	1313.00	412.51	45.81%

Shimizu Bank, Ltd. Corporate Events

Shimizu Bank Lifts Earnings Outlook and Raises Dividend Forecast

Oct 26, 2026

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...

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.

Date of analysis: Aug 19, 2026

Shimizu Bank, Ltd. AI Stock Analysis