Shiga Bank, Ltd.

Shiga Bank, Ltd.

TTSE:8366
2,573.00
JPY
-121.00
(-4.49%)
428.27BMarket Cap
Nov 13Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
303.05
287.81
337.77
311.49
306.87
331.93
300.7
310.32
370.4
423.92
413.14
441.18
530.38
- -
Basic EPS, GAAP
41.79
51.87
59.57
57.22
53.33
56.45
48.61
45.63
71.9
62.11
67.26
79.94
92.28
- -
Free Cash Flow per Basic Share
356.56
200.18
-537.46
1,087.44
479.62
339.19
507.26
4,936.57
-1,152.92
-2,042.25
1,907.76
-1,777.69
-18.75
- -
Dividend per Share
6
7
6.5
8
8
8.51
8.01
8
8.04
20.7
18.03
17.03
22.02
- -
Book Value per Share
1,091.57
1,324.89
1,311.35
1,425.84
1,566.9
1,573.17
1,496.98
1,992.02
1,910.81
1,858.67
2,091.97
1,930.51
2,214.31
- -
Tangible Book Value per Share
1,084.81
1,318
1,297.99
1,411.73
1,556.11
1,563.83
1,489.17
1,984.57
1,904.05
1,849.49
2,086.25
1,921.87
2,191.05
- -
Basic Weighted Avg Shares
264
264
260
260
260
260
255
251
246
239
237
234
231
230
Sales/Revenue/Turnover
79,964
75,875
87,929
81,090
79,886
86,327
76,778
77,865
91,264
101,404
97,908
103,311
122,382
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,555
2,413
2,813
2,905
3,038
2,794
2,829
2,445
2,247
1,846
2,400
2,110
2,663
- -
Net Income, GAAP
11,027
13,675
15,508
14,895
13,884
14,681
12,412
11,448
17,715
14,858
15,940
18,720
21,293
- -
Effective Tax Rate (%)
41.43
41.65
28.95
26.89
30.2
30.08
30.22
12.28
24.32
26.32
32.84
26.97
26.5
- -
Profit Margin (%)
13.79
18.02
17.64
18.37
17.38
17.01
16.17
14.7
19.41
14.65
16.28
18.12
17.4
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
117,324
128,202
124,329
319,544
472,754
439,667
609,231
1,415,298
1,082,863
776,549
1,228,904
939,675
863,739
- -
Total Equity
292,464
349,848
346,712
374,244
407,902
402,225
375,798
495,467
464,212
441,221
490,886
444,809
509,024
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.69
3
3.19
2.51
1.76
1.7
1.36
0.79
1.02
1.07
1.09
1.21
1.54
- -
Return on Common Equity (%)
4
4.32
4.52
4.18
3.56
3.62
3.19
2.63
3.69
3.28
3.42
4
4.46
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
231
230
230
Market Capitalization
313,780
428,265
598,804

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
896,577
1,011,233
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.59%
1.01%
14.44%
Free Cash Flow
-1.9%
-106.91%
-98.96%
Net Income, GAAP
4.88%
15.41%
13.74%
Sales/Revenue/Turnover
3.8%
9.77%
18.46%
Total Cash Common Dividend
- -
31.12%
27.38%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
103,311
2026
- -
- -
- -
- -
122,382
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
79.94
2026
- -
- -
- -
- -
92.28
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
17.03
2026
- -
- -
- -
- -
22.02
2027
- -
- -
- -
- -
- -

Company Description

CEO
Shinya Kubota
Full Time Employees
2,243
Sector
Finance
Industry
Major banks
Address
1-38, Hamamachi Otsu SH Japan 520-8686
IPO Date
Oct 1, 1987
Business
The Shiga Bank, Ltd. is a regional Japanese bank primarily engaged in providing comprehensive financial services centered on banking operations. Its core offerings include various deposit accounts such as savings, pension term, time, property, ordinary, retirement, green, and foreign currency deposits; a wide range of loan products including mortgage, housing, auto, education, card, unsecured, real estate secured, renovation, dental, and other loans; investment trust and insurance products; government bonds and asset management products; credit card services; and online financial instruments brokerage alongside web transfer and internet banking services. Additionally, the bank provides business-related financial services including finance leasing, installment sales, venture capital investment, cashing services, M&A advisory, crowdfunding, business succession and asset succession consulting, medical business startup and management support, and IT business support with business matching. The bank also manages automated teller machines outside its offices and offers document storage and management, real estate assessment, data processing, and mortgage guarantee services. Founded in 1933, The Shiga Bank is headquartered in Otsu, Japan and operates mainly within Japan with a strong focus on regional customers and businesses. In recent years, The Shiga Bank has undertaken strategic expansions and improvements notably in fiscal year 2024 by enhancing its overseas finance business, incorporating structured finance solutions, and pursuing global growth opportunities. It also upgraded its securities management capabilities and introduced new digital banking services that significantly increased its mobile app user base by 30% during the first quarter of 2024, reflecting a push towards digital transformation and enhanced customer experience. These initiatives highlight the bank’s commitment to diversifying its earnings streams and strengthening its management infrastructure through data-driven strategies and AI utilization. The bank serves a broad client base ranging from individual retail customers to corporate clients, supporting their diverse financial needs across deposits, lending, investment, and advisory services. It remains a key financial institution within the Japanese banking sector, leveraging its long history and local presence while pursuing innovation and expansion in both domestic and international finance markets. The company is publicly traded on the Tokyo Stock Exchange under the ticker 8366.T. This detailed corporate profile reflects The Shiga Bank’s comprehensive product portfolio, recent strategic developments including digital enhancements and overseas business strengthening, and its established position as a regional financial services provider headquartered in Japan. These aspects collectively emphasize the bank’s role in the financial industry and its ongoing efforts to adapt and grow in a competitive environment.