Shikoku Bank Ltd. AI Stock Analysis
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Shikoku Bank Ltd. (8387) AI Stock Analysis
Shikoku Bank Ltd.
(TSE/TYO:8387)
The overall score of 80.5 reflects a strong combination of robust recent financial performance, bullish technical trends, and attractive valuation. The most significant positive factors are the exceptional revenue and net income growth in the latest fiscal year and the stock's strong upward momentum above key moving averages. The low P/E ratio further enhances the appeal. The primary risk is the historical volatility in financial results, which suggests the recent surge may not be fully sustainable, and the overbought technical readings warrant caution.
Shikoku Bank Ltd. (8387) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 143.94B
- Dividend Yield
- 2.09%
- Average Volume (3M)
- 270.98K
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 1.19
- Revenue Growth
- 39.23%
- EPS Growth
- 178.34%
- Country
- Japan
- Employees
- 1,319
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Shikoku Bank Ltd. Business Overview & Revenue Model
Company Description
The Shikoku Bank, Ltd., together with its subsidiaries, provides various commercial banking products and services for individual and corporate customers in Japan. It offers time, property, fixed term, and foreign currency deposits; free card, owner's...
How the Company Makes Money
Shikoku Bank primarily earns money through a combination of (1) interest income and (2) non-interest (fee) income. 1) Net interest income (core banking spread): - The bank takes in funds mainly via customer deposits (ordinary deposits, time deposits,...
Shikoku Bank Ltd. Financial Statement Overview
Summary
Strong recent fiscal year with revenue up 73.6% and net income surging 156%. Profitability improved with net margin at 20.6% and ROE at 9.1%. Solid balance sheet with equity-to-assets of 5.4% and manageable debt-to-equity of 1.2. Positive operating and free cash flow with good cash conversion. However, historical volatility in income, debt, and cash flows tempers the score.
Income Statement
78PositiveBalance Sheet
75PositiveCash Flow
70Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.12B | 84.85B | 50.98B | 50.09B | 58.27B | 40.01B |
| Gross Profit | 82.84B | 75.65B | 47.08B | 48.80B | 56.48B | 38.92B |
| EBITDA | 22.64B | 24.70B | 12.33B | 11.20B | 10.02B | 12.74B |
| Net Income | 17.41B | 17.45B | 6.81B | 7.29B | 5.55B | 7.95B |
Balance Sheet | ||||||
| Total Assets | 3.53T | 3.51T | 3.38T | 3.31T | 3.32T | 3.63T |
| Cash, Cash Equivalents and Short-Term Investments | 349.00B | 299.37B | 178.83B | 217.36B | 411.09B | 643.72B |
| Total Debt | 211.75B | 229.29B | 182.87B | 66.57B | 8.36B | 294.66B |
| Total Liabilities | 3.33T | 3.32T | 3.21T | 3.14T | 3.17T | 3.48T |
| Stockholders Equity | 198.16B | 190.96B | 160.07B | 168.09B | 149.82B | 154.48B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 20.45B | 41.29B | 25.64B | -364.04B | 0 |
| Operating Cash Flow | 0 | 21.94B | 42.36B | 26.64B | -362.23B | 0 |
| Investing Cash Flow | 0 | 20.83B | -132.58B | -95.86B | 131.79B | 9.90B |
| Financing Cash Flow | 0 | 74.46B | 52.88B | -54.44B | -1.86B | 165.98B |
Shikoku 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:8387, the sentiment is Positive. The current price of 3595.00 is below the 20-day moving average (MA) of 3742.75, below the 50-day MA of 3998.77, and above the 200-day MA of 3003.09, indicating a neutral trend. The MACD of -160.55 indicates Positive momentum. The RSI at 45.97 is Neutral, neither overbought nor oversold. The STOCH value of 46.19 is Neutral, 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
Overall Rating
- JP:838780.5Outperform
JP:839978Outperform
JP:838876Outperform
JP:583073Outperform
JP:854162Neutral
JP:841648Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8387 | 81Outperform | JPY 150.65B | 8.62 | ― | 2.09% | 39.23% | 178.34% |
| JP:8399 | 78Outperform | JPY 114.53B | 11.50 | ― | 4.13% | 18.94% | 26.15% |
| JP:8388 | 76Outperform | JPY 384.83B | 21.24 | ― | 6.09% | 23.28% | 40.80% |
| JP:5830 | 73Outperform | JPY 993.31B | 11.91 | ― | 2.18% | 18.44% | 19.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8541 | 62Neutral | JPY 131.67B | 13.16 | ― | 1.74% | 10.04% | 57.66% |
| JP:8416 | 48Neutral | JPY 9.56B | 60.43 | ― | 2.69% | 16.28% | 56.59% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8387 | Shikoku Bank Ltd. | 3595.00 | 2113.08 | 142.59% | |
| JP:5830 | Iyogin Holdings,Inc. | 3211.00 | 880.12 | 37.76% | |
| JP:8388 | Awa Bank, Ltd. | 1914.00 | 1166.37 | 156.01% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2663.00 | 1146.35 | 75.58% | |
| JP:8416 | Bank of Kochi, Ltd. | 930.00 | 93.02 | 11.11% | |
| JP:8541 | Ehime Bank, Ltd. | 3275.00 | 2048.34 | 166.98% |
Shikoku Bank Ltd. Corporate Events
Shikoku Bank Reports Interim Ordinary Income Above Previous Results
Shikoku Bank, Ltd. operates in the banking industry.For the second quarter of the fiscal year ending March 31, 2027, ordinary income reached ¥43,120 million on a consolidated basis and ¥42,345 million on a non-consolidated basis. These results exceed...
Shikoku Bank Reports Higher Six-Month Income and Profit
The Shikoku Bank Ltd., a Tokyo Stock Exchange-listed bank, reported ordinary income of ¥43,120 million for the six months ended September 30, 2026, up 46.2% year over year. Ordinary profit rose 19.8% to ¥8,425 million, while profit attributable to ow...
Shikoku Bank Finalizes Adjusted Treasury Share Disposal for Employee Stock Compensation
Shikoku Bank has completed the payment procedures for the disposal of treasury shares used as restricted stock compensation for employees, following a board resolution from May 2026. The program involves issuing the bank’s common stock to staff as pa...
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: Sep 11, 2026