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Shiga Bank, Ltd.
(8366)
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Rating:64Neutral
Price Target:
¥2,729.00
▼(-64.23% Downside)
Action:Reiterated
Date:10/08/26
The score is primarily supported by strong technical momentum and a constructive fundamental trajectory (revenue growth, solid margins, and improving leverage). Offsetting these positives are weaker quality signals from volatile cash flow and modest ROE, plus a valuation headwind from a high P/E and low dividend yield.
Positive Factors
Revenue Growth and Profitability
Accelerating revenue and a stable mid-teens net margin indicate that Shiga Bank is expanding its earnings base while retaining solid profitability. This combination can support internal capital generation and continued investment in banking services over the next several quarters.
Negative Factors
Low Return on Equity
A roughly 4.2% return on equity shows that Shiga Bank is generating limited profit from its sizable equity base. Persistently modest capital efficiency can constrain earnings compounding, weaken the benefit of balance-sheet growth, and make sustained improvement in shareholder returns more difficult.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Accelerating revenue and a stable mid-teens net margin indicate that Shiga Bank is expanding its earnings base while retaining solid profitability. This combination can support internal capital generation and continued investment in banking services over the next several quarters.
Read all positive factors
Shiga Bank, Ltd. (8366) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥586.24B
Dividend Yield1.57%
Average Volume (3M)711.85K
Price to Earnings (P/E)23.9
Beta (1Y)1.37
Revenue Growth23.01%
EPS Growth25.19%
CountryJP
Employees2,243
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)106.27
Shares Outstanding240,450,410
10 Day Avg. Volume988,920
30 Day Avg. Volume711,850
Financial Highlights & Ratios
PEG Ratio1.31
Price to Book (P/B)0.84
Price to Sales (P/S)2.76
P/FCF Ratio26.26
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)137.01
Revenue Forecast (FY)¥184.10B
Shiga Bank, Ltd. Business Overview & Revenue Model
Company Description
Established in 1933 and headquartered in Otsu, Japan, The Shiga Bank, Ltd. operates as a comprehensive financial institution, delivering a wide array of banking services to customers both domestically and internationally. Its diverse offerings inc...
How the Company Makes Money
Shiga Bank’s earnings are primarily generated through its banking operations. The main revenue stream is interest income: the bank collects interest on loans and other interest-earning assets (such as securities) and pays interest on deposits and ...
Shiga Bank, Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 168.12B | 155.64B | 142.99B | 120.44B | 113.52B | 93.75B |
| Gross Profit | 138.19B | 128.79B | 115.24B | 98.44B | 103.25B | 89.19B |
| EBITDA | 33.91B | 31.63B | 27.75B | 26.14B | 22.01B | 25.66B |
| Net Income | 24.49B | 21.29B | 18.72B | 15.94B | 14.86B | 17.71B |
Balance Sheet | ||||||
| Total Assets | 7.94T | 7.67T | 7.53T | 7.97T | 7.31T | 7.54T |
| Cash, Cash Equivalents and Short-Term Investments | 1.11T | 1.04T | 898.94B | 1.36T | 1.20T | 1.75T |
| Total Debt | 952.84B | 1.01T | 1.21T | 1.47T | 776.55B | 1.27T |
| Total Liabilities | 7.30T | 7.16T | 7.08T | 7.48T | 6.86T | 7.07T |
| Stockholders Equity | 645.66B | 509.02B | 444.81B | 490.89B | 441.22B | 464.21B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 16.37B | 0.00 | 368.47B | -488.52B | 0.00 |
| Operating Cash Flow | 0.00 | 19.09B | 0.00 | 369.60B | -483.43B | 0.00 |
| Investing Cash Flow | 0.00 | 51.47B | -47.63B | -288.59B | -57.99B | 21.82B |
| Financing Cash Flow | 0.00 | 42.67B | -381.21B | 565.53B | -7.95B | 200.07B |
Shiga Bank, Ltd. Technical Analysis
Negative
7630.00
Price Trends
2823.26
Negative
2642.93
Negative
2214.03
Positive
Market Momentum
-94.14
Positive
36.72
Neutral
20.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8366, the sentiment is Negative. The current price of 7630 is above the 20-day moving average (MA) of 2871.45, above the 50-day MA of 2823.26, and above the 200-day MA of 2214.03, indicating a neutral trend. The MACD of -94.14 indicates Positive momentum. The RSI at 36.72 is Neutral, neither overbought nor oversold. The STOCH value of 20.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8366.
Shiga Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥529.74B | 16.22 | 6.15% | 2.01% | 29.10% | 91.90% | |
70 Outperform | ¥313.63B | 15.04 | ― | 6.18% | 39.26% | 34.23% | |
67 Neutral | ¥468.86B | 11.09 | 13.74% | 2.80% | 12.60% | 148.64% | |
65 Neutral | ¥417.62B | 14.55 | ― | 2.46% | 16.26% | 41.29% | |
64 Neutral | ¥586.24B | 23.88 | ― | 1.57% | 23.01% | 25.19% | |
57 Neutral | ¥290.12B | 15.19 | ― | 2.95% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8366
Shiga Bank, Ltd.
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Shiga Bank, Ltd. Corporate Events
Shiga Bank Confirms Talks on Possible Integration With Senshu Ikeda Holdings
Oct 25, 2026
Shiga Bank has responded to a report in The Nikkei Digital Edition stating that it is arranging a management integration with Senshu Ikeda Holdings, Inc. The bank clarified that, while it is indeed considering such an integration, the information ...
Shiga Bank Posts Strong Basel III Capital Ratios as of June 2026
Aug 10, 2026
Shiga Bank reported its Basel III-based capital ratios as of June 30, 2026, showing a consolidated total capital ratio of 15.47%, with Tier 1 and common equity Tier 1 ratios at the same level. On a non-consolidated basis, the bank’s total ca...
Shiga Bank Posts Surge in Quarterly Profit and Affirms Robust 2027 Outlook
Jul 29, 2026
Shiga Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income up 30.6% year on year to ¥45.7 billion and ordinary profit up 53.3% to ¥14.3 billion, while profit attributable to owners of t...
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.