Shimane Bank Ltd

Shimane Bank Ltd exhibits a capital structure with a debt-to-equity ratio of 0.97, indicating a relatively balanced leverage position. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. The operating cash flow of 6,458,000,000 JPY supports ongoing operations, but the negative net income of -75,000,000 JPY suggests financial stress in the most recent reporting period.

Profitability metrics for Shimane Bank Ltd are weak, with a return on equity of -0.004 and a return on assets of -0.0001. These figures indicate that the company is not generating returns for its shareholders or effectively utilizing its assets to generate profit. In comparison to industry peers, these metrics fall below the median for banks, highlighting a need for operational improvements.

The company's revenue is concentrated in its core banking operations, with no disclosed segments or geographic breakdowns provided in the available data. This lack of diversification may expose the company to regional economic fluctuations and regulatory changes affecting the banking sector in Japan.

Growth trajectory for Shimane Bank Ltd appears uncertain, with a negative net income and no disclosed revenue growth rates. The company's capital expenditure of -346,000,000 JPY suggests a reduction in investment in physical assets, which may impact long-term growth potential. Analyst estimates for the last actual EPS and revenue are 60.38 JPY and 10,346,000,000 JPY, respectively, indicating a decline from the reported revenue of 13,030,000,000 JPY.

Risk factors for Shimane Bank Ltd include medium liquidity risk and a negative net cash position after subtracting total debt. The dilution potential is assessed as low, with no significant dilution sources identified in the available data. However, the company's negative net income and weak profitability metrics suggest a need for close monitoring of its financial health.

Recent events and filings for Shimane Bank Ltd are not detailed in the available data. The company's financial performance and risk profile suggest that investors should closely monitor its earnings reports and any regulatory developments affecting the Japanese banking sector.

Net income surged 45.2% year-over-year to JPY 610 million in FY2025, demonstrating strong recent profitability growth.

Revenue grew 20.7% year-over-year to JPY 5.8 billion in FY2025, indicating robust top-line expansion.

Net income CAGR of 14.3% over four years significantly outpaces the 4.3% revenue CAGR.

Total assets grew 6.5% year-over-year to JPY 568.8 billion, reflecting steady balance sheet expansion.

Dilution risk is assessed as low, suggesting minimal threat to existing shareholder equity value.

ROE of -0.4% places the bank in the bottom quartile compared to the 6.2% cohort median.

Debt-to-equity ratio of 0.97 is above the cohort median of 0.29, indicating higher leverage.

Liquidity risk is rated as medium, posing potential challenges for short-term financial obligations.

Revenue ¥1.52B, +8,9% YoY; Net income +21,6% YoY.

• ▍Revenue ¥1.52B, +8,9% YoY
• ▍Net income +21,6% YoY
• ▍Net margin 10.7%

Revenue ¥1.55B, +4,3% YoY; Net income −7,6% YoY.

• ▍Revenue ¥1.55B, +4,3% YoY
• ▍Net income −7,6% YoY
• ▍Net margin 7.8%

Revenue ¥1.43B, −0,1% YoY; Net income −47,2% YoY.

• ▍Revenue ¥1.43B, −0,1% YoY
• ▍Net income −47,2% YoY
• ▍Net margin 13.7%

Revenue ¥1.49B, +14,2% YoY; Net income +65,3% YoY.

• ▍Revenue ¥1.49B, +14,2% YoY
• ▍Net income +65,3% YoY
• ▍Net margin -1.7%

Revenue ¥1.40B; Net margin 9.6%.

• ▍Revenue ¥1.40B
• ▍Net margin 9.6%

Revenue ¥1.49B; Net margin 8.8%.

• ▍Revenue ¥1.49B
• ▍Net margin 8.8%

Revenue ¥1.43B; Net margin 25.9%.

• ▍Revenue ¥1.43B
• ▍Net margin 25.9%

Revenue ¥1.30B; Net margin -5.8%.

• ▍Revenue ¥1.30B
• ▍Net margin -5.8%

Revenue ¥5.80B, +20,7% YoY; Net income +45,2% YoY.

• ▍Revenue ¥5.80B, +20,7% YoY
• ▍Net income +45,2% YoY
• ▍Free cash flow −7,3% YoY
• ▍Net margin 10.5%

Revenue ¥4.81B, +5,0% YoY; Net income +0,2% YoY.

• ▍Revenue ¥4.81B, +5,0% YoY
• ▍Net income +0,2% YoY
• ▍Free cash flow −25,8% YoY
• ▍Net margin 8.7%

Revenue ¥4.58B, −3,5% YoY; Net income +42,5% YoY.

• ▍Revenue ¥4.58B, −3,5% YoY
• ▍Net income +42,5% YoY
• ▍Free cash flow +30,1% YoY
• ▍Net margin 9.1%

Revenue ¥4.74B, −3,2% YoY; Net income −17,6% YoY.

• ▍Revenue ¥4.74B, −3,2% YoY
• ▍Net income −17,6% YoY
• ▍Free cash flow −53,9% YoY
• ▍Net margin 6.2%