Loading…
Regional bank holding company built around Shizuoka Bank, serving Shizuoka Prefecture businesses and individuals, allied with neighboring regional banks.
Regional bank holding company built around Shizuoka Bank, serving Shizuoka Prefecture businesses and individuals, allied with neighboring regional banks.
Earns from the gap between loan and deposit rates, mostly from lending to manufacturers, merchants and households in Shizuoka Prefecture, with fees from securities and leasing units adding a smaller share.
In one line: A Japanese prefecture-focused regional bank holding company.
Moat: narrow (distribution, customer qualification). Long-standing dominant deposit and lending franchise in Shizuoka Prefecture's export-manufacturing economy.
Headquarters: Shizuoka, Japan · Founded: 2023 · Employees: 4,226
Size Shizuoka Financial (5831.T) is a Japan Financials company (Regional Banks) with a market value of $10.0B, the 137th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,904 on 6 Nov 2026.
Performance Over six months the shares gained 5.5%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 18.2% over the last twelve months (peer median +4.8%); the operating margin is 20.6% (peer median 41.8%).
Valuation It trades at 1.21× book value against a peer median of 1.25× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 10.5%; Shizuoka Financial delivers 8.2%, so the price asks more than the business earns today.
Next results Next results expected around 10 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥386B | ¥432B | ¥335B | ¥333B | ¥280B |
| Revenue growth | — | +29% | +1% | +19% | — |
| Net income | ¥101B | ¥90.5B | ¥74.6B | ¥57.8B | ¥52.4B |
| Free cash flow | n/a | ¥47.4B | ¥116B | ¥113B | ¥70.8B |
| Capital expenditure | n/a | ¥20.4B | ¥14.8B | ¥12.1B | ¥12.8B |
| Total debt | ¥1.86T | ¥1.98T | ¥2.29T | ¥2.62T | ¥2.40T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Hachijuni Nagano Bank 8359.T | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 5831.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -20.3% | +2.8% | lowest of 21 |
| 6-month return | +5.5% | +5.2% | 10th highest of 21 |
| Return on equity | 8.2% | 9.4% | 5th lowest of 21 |
| Price / book | 1.21× | 1.25× | 10th cheapest of 21 |
| Trailing P/E | 15.5× | 14.4× | 9th most expensive of 20 |
| ROE the price implies | 10.5% | 7.9% | 7th most demanding of 20 |
| ROE delivered | 8.2% | 9.5% | 5th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Chongqing Rural Commercial Bank 3618.HK | Hong Kong | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% | 9.5% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |