Obermatt

Shizuoka Bank

TYO:5831 · JP3351500008
BanksMedium

360

38
Profit price13
Cash yield57
Price/Sales11
EV / Gross Profit17
Price/Book36
Returns on capital15
Profit margins
Cash Conversion23
Accruals71
Owner Earnings Margin20
Sales growth93
Profit Growth14
Long-Term EPS Growth59
Reinvestment91
Price momentum71
Debt load26
Debt serviceability1
Liquidity82
Analyst ratings49
Opinion Changes50
Price Target Upside29
Market mood56
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Shizuoka Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTSE
Founded1943
Employees12
ISINJP3351500008
Last UpdateApr 2, 2026
Themes
Digital BrokerageConsumer LendingOnline PaymentsFinancial ServicesLending and Investments

Description

Shizuoka Financial Group,Inc., together with its subsidiaries, provides various banking products and services. The company offers various deposits, such as current, savings, time, deposits at notice and negotiable certificates of deposit. The compa…

Analysis

Weak and unloved

Shizuoka Financial Group,Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.1×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 3% a year, against analyst forecasts of 17%. The price, in other words, assumes less than the experts do.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
51
2023202420252026

All-time high

51

Jun 2026

All-time low

28

Jan 2024

Average rank

41

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
11
42
44
51
Price/Earnings
23
59
44
50
Price/Book
36
68
66
76
Dividend Yield
57
50
23
17
Value (overall)
25
55
36
45

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →