ScoreWhy is Shimizu Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.04%
- The bank has been able to generate a Return on Assets (avg) of 0.04% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.70% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 19.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.70% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.04% signifying low profitability per unit of total assets
3
The company has declared negative results in Mar'2026 after 6 consecutive positive quarters
- INTEREST(9M) At JPY 3,370 MM has Grown at 154.92%
- CREDIT DEPOSIT RATIO(HY) Lowest at 77.74%
- PRE-TAX PROFIT(Q) Lowest at JPY -103 MM
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Shimizu Bank, Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Shimizu Bank, Ltd.
79.78%
1.48
32.13%
Japan Nikkei 225
88.41%
3.12
27.27%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.60%
EBIT Growth (5y)
16.11%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.76%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.39
EV to EBIT
-160.64
EV to EBITDA
-47.24
EV to Capital Employed
1.96
EV to Sales
-6.15
PEG Ratio
0.10
Dividend Yield
NA
ROCE (Latest)
-1.22%
ROE (Latest)
2.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NET SALES(HY)
At JPY 10,783 MM has Grown at 32.5%
-14What is not working for the Company
INTEREST(9M)
At JPY 3,370 MM has Grown at 154.92%
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.74%
PRE-TAX PROFIT(Q)
Lowest at JPY -103 MM
NET PROFIT(Q)
Lowest at JPY -380 MM
EPS(Q)
Lowest at JPY -33.57
Here's what is working for Shimizu Bank, Ltd.
Net Sales
At JPY 10,783 MM has Grown at 32.5%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 408 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Shimizu Bank, Ltd.
Interest
At JPY 3,370 MM has Grown at 154.92%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY -103 MM has Fallen at -112.58%
over average net sales of the previous four periods of JPY 819 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY -380 MM has Fallen at -162.08%
over average net sales of the previous four periods of JPY 612.16 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Pre-Tax Profit
Lowest at JPY -103 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY -380 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY -33.57
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Lowest at 77.74%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income
Highest at JPY 5.84 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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