# THE SHIMIZU BANK,LTD.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第151期(2025/04/01－2026/03/31) (S100YC9F)
> Page: https://vizora.meequs.com/en/company/shimizu-bank
> Retrieved: 2026-09-30T19:12:59.488Z

## Company

THE Shimizu Bank, founded in 1928, is a company in Regional Banks listed on TSE Prime. It has 926 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE SHIMIZU BANK,LTD. |
| Ticker | 8364 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8364.T) |
| Listing | TSE Prime |
| Head office | 静岡県静岡市清水区富士見町2番1号 |
| Representative (per filing) | 取締役頭取 岩山 靖宏 |
| Founded | Jul 1928 |
| Employees (consolidated) | 926 |
| Average salary (parent only) | ¥6.2M |
| Fiscal year end | March |
| Website | www.shimizubank.co.jp (https://www.shimizubank.co.jp/) |
| Corporate number | 8080001001858 |
| EDINET | E03572 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YC9F, filed 2026-06-16). As of filing

## Key points (generated from figures)

- About 80% of THE Shimizu Bank's ordinary revenue comes from Banking, with Leasing and credit card and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥9 is left as ordinary profit.
- Ordinary revenue changed +15.5% from the prior year, ordinary profit +36.3%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥33.7B |  |
| Ordinary income | ¥3.13B | Margin 9.3% |
| Net income | ¥2B | Margin 5.9% |
| Employees (consolidated) | 926 |  |
| EPS | ¥184.95 |  |
| Diluted EPS | ¥183.86 |  |
| Book value per share | ¥6483.45 |  |
| Equity ratio | 4.4% |  |
| Shares outstanding | 11,641,000 |  |
| Treasury shares | 122,600 |  |
| Shareholders | 4,738 |  |
| Average salary (parent only) | ¥6.2M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥27782000000 | ¥33674000000 | +21.2% |
| Employees | 996 people | 926 people | -7.0% |
| Cash and equivalents | ¥214634000000 | ¥224660000000 | +4.7% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 77.3% |
| リース業・クレジットカード業 → リース業・クレジットカード業 | 19.0% |
| リース業・クレジットカード業 → 事業再編・廃止 | 2.3% |
| その他 → その他 | 1.4% |
| その他 → 事業再編・廃止 | 0.1% |
| 新設・再編 → 銀行業 | 2.4% |

Segment revenue source references: 6 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking | 5 years | +4.6% | ¥26822000000 | 11.1% | 2 |
| Leasing and credit card | 5 years | +1.6% | ¥6384000000 | 4.4% | 2 |
| Other | 5 years | +2.6% | ¥468000000 | 17.9% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 33,674 | 100.0% | S100YC9F |
| Ordinary expenses | 30,540 | 90.7% | S100YC9F |
| Ordinary income | 3,134 | 9.3% | S100YC9F |
| Extraordinary loss | 15 | 0.0% | S100YC9F |
| Pretax income | 3,118 | 9.3% | S100YC9F |
| Income tax | 1,047 | 3.1% | S100YC9F |
| Net income | 2,070 | 6.1% | S100YC9F |
| Net income attributable to owners | 2,000 | 5.9% | S100YC9F |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 91 |
| Ordinary income | 9 |
| (Ref.) Net income | 6 |

### Margin funnel

Ordinary margin 9.3% → Net margin 5.9%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +15.5%; Core profit growth: +36.3%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 2.33×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 29,143 | 33,674 | 4,531 | +15.5% |
| Net income attributable to owners | 1,861 | 2,000 | 139 | +7.5% |
| Operating cash flow | 73,852 | -10,208 | -84,060 | -113.8% |
| Free cash flow | 71,746 | -11,351 | -83,097 | -115.8% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 28,760 | — | — | 2,978 | 87,442 | — | S100LKWF |
| FY ending Mar 2018 | 27,637 | — | — | 2,332 | -98,863 | — | S100OBA4 |
| FY ending Mar 2019 | 28,675 | — | — | 2,521 | 117,615 | — | S100QZMT |
| FY ending Mar 2020 | 28,974 | — | — | -3,968 | -86,234 | -86,797 | S100LKWF |
| FY ending Mar 2021 | 27,782 | — | — | 2,163 | 141,149 | 140,675 | S100OBA4 |
| FY ending Mar 2022 | 27,421 | — | — | 2,580 | 77 | -1,073 | S100QZMT |
| FY ending Mar 2023 | 28,403 | — | — | 1,474 | 58,323 | 57,397 | S100TNLU |
| FY ending Mar 2024 | 29,904 | — | — | -3,301 | -143,296 | -144,480 | S100W0CW |
| FY ending Mar 2025 | 29,143 | — | — | 1,861 | 73,852 | 71,746 | S100YC9F |
| FY ending Mar 2026 | 33,674 | — | — | 2,000 | -10,208 | -11,351 | S100YC9F |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥36.4M |
| Net income per employee (consolidated) | ¥2.2M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 999 | 985 | 982 | 964 | 926 |
| Average salary (parent company) | ¥6M | ¥6M | ¥6M | ¥6.2M | ¥6.2M |
| Average age (parent company) | 39.5 years | 40.0 years | 40.2 years | 40.4 years | 40.4 years |
| Average tenure (parent company) | 16.2 years | 16.7 years | 17.0 years | 17.2 years | 17.2 years |

Year over year: Employees (consolidated) -3.9% · Revenue (consolidated) +15.5%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 26,822 | 79.7% | 2,975 | 11.1% |
| Leasing and credit card | 6,384 | 19.0% | 279 | 4.4% |
| Other | 468 | 1.4% | 84 | 17.9% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking | 79.7% |
| Leasing and credit card | 19.0% |
| Other | 1.4% |

Segment → industry: Banking → Regional Banks / Leasing and credit card → Credit Cards & Consumer Credit / Leasing and credit card → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -10,208 | -30.3% | S100YC9F |
| Capital expenditure | 1,143 | 3.4% | S100YC9F |
| Free cash flow | -11,351 | -33.7% | 算出 |
| Investing cash flow | -7,024 | -20.9% | S100YC9F |
| Financing cash flow | -589 | -1.7% | S100YC9F |
| Dividends paid | 684 | 2.0% | S100YC9F |
| Share buyback | 0 | 0.0% | S100YC9F |
| Change in cash | -17,821 | -52.9% | S100YC9F |
| Cash and equivalents | 224,660 | 667.2% | S100YC9F |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 8.0% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託口) | Major shareholder | 5.3% | 2026-03-31 |
| 清水銀行従業員持株会 | Major shareholder | 4.6% | 2026-03-31 |
| 鈴与株式会社 | Major shareholder | 4.4% | 2026-03-31 |
| ＤＢＳ ＢＡＮＫ ＬＴＤ 700170(常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 2.6% | 2026-03-31 |
| 共栄火災海上保険株式会社 | Major shareholder | 2.6% | 2026-03-31 |
| ＳＢＩ地銀ホールディングス株式会社 | Major shareholder | 2.5% | 2026-03-31 |
| 日本証券金融株式会社 | Major shareholder | 2.4% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託Ｅ口) | Major shareholder | 1.7% | 2026-03-31 |
| アイザワ証券株式会社 | Major shareholder | 1.5% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第151期(2025/04/01－2026/03/31) | S100YC9F | 2026-06-16 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YC9F,, |
| 有価証券報告書－第150期(2024/04/01－2025/03/31) | S100W0CW | 2025-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W0CW,, |
| 有価証券報告書－第149期(2023/04/01－2024/03/31) | S100TNLU | 2024-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TNLU,, |
| 有価証券報告書－第148期(2022/04/01－2023/03/31) | S100QZMT | 2023-06-22 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QZMT,, |
| 有価証券報告書－第147期(令和3年4月1日－令和4年3月31日) | S100OBA4 | 2022-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OBA4,, |
| 有価証券報告書－第146期(令和2年4月1日－令和3年3月31日) | S100LKWF | 2021-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LKWF,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).