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Market Price

5.37 

0.00 0.0%

as of Oct 04 '22

52 Week Range:

5.37 9.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The Shizuoka Bank, Ltd., a regional bank, provides various banking products and services. The company operates through Banking Operations and Leasing Operations segments. The Banking Operations segment consist of the banking business centered on deposits, loans, investment securities, and exchange transactions. The Leasing Operations segment includes lease transactions centered on finance leases. It also provides corporate and financial management advisory, bill collection, leasing, and finance and securities-related services. In addition, the company engages in the guarantee of housing loans, credit cards and prepaid cards, and consumer loans; development and operation of computer systems; provision of public-offering assistance support for corporate rehabilitation, and fee-based job placement and general administration services; and appraisal of real estate for loan collateral, as well as operation of centers for loans, remittance, and bill collection. Further, it is involved in the provision of part-time employee management, finance and securities-related, and monetary receivables purchasing services; and making, printing, and binding of various documents. As of July 1, 2021, the company operated a head office, 178 branches, and 27 sub-branches in Shizuoka Prefecture, Tokyo, Osaka, and Nagoya; 2 branches in New York and Los Angeles; 1 in Europe; and 1 branch in Hong Kong, as well as 2 representative offices in Shanghai and Singapore. The Shizuoka Bank, Ltd. was founded in 1943 and is headquartered in Shizuoka, Japan.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Equity (BVPS) 15.17
16.83
16.09
growth rate 10.9% -2.2%
Avg.PE 12.17
growth rate
ROA 0.39
0.57
0.44
0.46
0.43
0.26
0.44
0.40
0.32
0.33
0.29
growth rate 46.2% -22.8% 4.6% -6.5% -39.5% 69.2% -9.1% -20.0% 3.1% -12.1%
ROE 5.23
7.43
5.78
5.74
5.18
3.16
5.21
4.67
3.86
4.16
3.80
growth rate 42.1% -22.2% -0.7% -9.8% -39.0% 64.9% -10.4% -17.3% 7.8% -8.7%
Leverage 13.32
12.80
13.19
12.10
12.07
11.84
11.63
11.67
12.65
12.75
13.73
growth rate -3.9% 3.1% -8.3% -0.3% -1.9% -1.8% 0.3% 8.4% 0.8% 7.7%
Balance Sheet Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Acct.Payable 9,191,905.00
9,122,970.00
9,364,381.00
9,624,934.00
9,919,323.00
10,105,519.00
11,145,905.00
11,557,215.00
growth rate -0.8% 2.7% 2.8% 3.1% 1.9% 10.3% 3.7%
Cur.Assets 764,625.00
692,740.00
1,230,900.00
1,160,473.00
1,341,664.00
1,467,496.00
2,290,169.00
2,486,824.00
growth rate -9.4% 77.7% -5.7% 15.6% 9.4% 56.1% 8.6%
Total Assets 11,233,412.00
11,117,249.00
11,054,783.00
11,532,724.00
11,854,771.00
12,542,772.00
14,075,848.00
14,918,227.00
growth rate -1.0% -0.6% 4.3% 2.8% 5.8% 12.2% 6.0%
Cash 644,276.00
578,327.00
1,118,843.00
1,051,482.00
1,221,342.00
1,384,218.00
2,097,487.00
2,275,851.00
growth rate -10.2% 93.5% -6.0% 16.2% 13.3% 51.5% 8.5%
Cur.Liabilities 9,412,861.00
9,487,805.00
9,593,938.00
9,883,068.00
10,295,572.00
10,627,043.00
11,664,727.00
12,115,077.00
growth rate 0.8% 1.1% 3.0% 4.2% 3.2% 9.8% 3.9%
Liabilities 10,304,129.00
10,194,891.00
10,120,066.00
10,539,917.00
10,837,958.00
11,549,980.00
12,970,472.00
13,829,982.00
growth rate -1.1% -0.7% 4.2% 2.8% 6.6% 12.3% 6.6%
LT Debt 664,666.00
522,231.00
352,771.00
437,009.00
351,823.00
738,125.00
1,101,036.00
1,511,623.00
growth rate -21.4% -32.5% 23.9% -19.5% 109.8% 49.2% 37.3%
Equity 928,347.00
921,266.00
933,577.00
991,415.00
1,015,456.00
991,547.00
1,103,957.00
1,086,857.00
growth rate -0.8% 1.3% 6.2% 2.4% -2.4% 11.3% -1.6%
Common Shares 661.00
652.00
665.00
659.00
653.00
648.00
90,845.00
90,845.00
90,845.00
90,845.00
90,845.00
growth rate -1.4% 2.0% -0.9% -0.9% -0.8% 13,919.3% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Capital Expenditures 17,981.00
5,490.00
10,863.00
3,943.00
3,350.00
2,650.00
4,197.00
4,518.00
growth rate -69.5% 97.9% -63.7% -15.0% -20.9% 58.4% 7.7%
Cash Dividends 9,961.00
11,079.00
12,256.00
11,975.00
13,051.00
12,719.00
12,605.00
15,062.00
growth rate 11.2% 10.6% -2.3% 9.0% -2.5% -0.9% 19.5%
Cash From OA -267,387.00
-293,988.00
-538,683.00
-158,612.00
-199,090.00
380,666.00
84,450.00
392,942.00
growth rate 0.0% 0.0% 0.0% 0.0% 100.0% -77.8% 365.3%
FCF per Share 1.53
-0.03
12.82
growth rate -100.0% 100.0%
FCF 216,762.00
154,861.00
-164,808.00
123,617.00
-323,761.00
-313,752.00
121,381.00
62,586.00
565,180.00
1,093,451.00
717,060.00
growth rate -28.6% -100.0% 100.0% -100.0% 0.0% 100.0% -48.4% 803.1% 93.5% -34.4%
Income Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Sales 201,681.00
210,273.00
230,751.00
207,537.00
202,824.00
192,838.00
209,167.00
228,596.00
growth rate 4.3% 9.7% -10.1% -2.3% -4.9% 8.5% 9.3%
Op.Income 74,192.00
72,659.00
46,807.00
65,699.00
63,189.00
54,267.00
62,894.00
53,390.00
growth rate -2.1% -35.6% 40.4% -3.8% -14.1% 15.9% -15.1%
IBT 76,437.00
72,646.00
46,807.00
71,629.00
66,680.00
54,596.00
60,690.00
58,800.00
growth rate -5.0% -35.6% 53.0% -6.9% -18.1% 11.2% -3.1%
Net Income 49,943.00
47,909.00
29,276.00
50,130.00
46,874.00
38,703.00
43,638.00
41,635.00
growth rate -4.1% -38.9% 71.2% -6.5% -17.4% 12.8% -4.6%
EPS 56.24
87.42
70.21
75.73
73.32
45.18
78.32
76.93
65.40
76.02
73.80
growth rate 55.4% -19.7% 7.9% -3.2% -38.4% 73.4% -1.8% -15.0% 16.2% -2.9%
Gross Profit 201,681.00
210,273.00
230,751.00
207,537.00
202,824.00
192,838.00
209,167.00
228,596.00
growth rate 4.3% 9.7% -10.1% -2.3% -4.9% 8.5% 9.3%

Quarterly Statements

Item Name Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Balance Sheet
Acct.Payable 11,145,905.00
11,277,515.00
11,378,500.00
11,543,101.00
11,557,215.00
growth rate 1.2% 0.9% 1.5% 0.1%
Cur.Assets 2,290,169.00
2,439,599.00
2,535,591.00
2,470,027.00
2,486,824.00
growth rate 6.5% 3.9% -2.6% 0.7%
Total Assets 14,075,848.00
14,188,426.00
14,492,840.00
14,663,007.00
14,918,227.00
growth rate 0.8% 2.2% 1.2% 1.7%
Cash 2,097,487.00
2,225,365.00
2,320,927.00
2,261,731.00
2,275,851.00
growth rate 6.1% 4.3% -2.6% 0.6%
Cur.Liabilities 11,664,727.00
11,750,916.00
11,865,953.00
12,112,716.00
12,115,077.00
growth rate 0.7% 1.0% 2.1% 0.0%
Liabilities 12,970,472.00
13,095,545.00
13,364,946.00
13,553,715.00
13,829,982.00
growth rate 1.0% 2.1% 1.4% 2.0%
LT Debt 1,101,036.00
1,153,929.00
1,269,563.00
1,214,968.00
1,511,623.00
growth rate 4.8% 10.0% -4.3% 24.4%
Equity 1,103,957.00
1,091,456.00
1,126,436.00
1,107,880.00
1,086,857.00
growth rate -1.1% 3.2% -1.7% -1.9%
Common Shares 90,845.00
90,845.00
90,845.00
90,845.00
90,845.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Income Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Sales 55,026.00
53,700.00
55,795.00
55,296.00
63,805.00
growth rate -2.4% 3.9% -0.9% 15.4%
Op.Income 12,202.00
14,252.00
19,062.00
16,653.00
3,423.00
growth rate 16.8% 33.8% -12.6% -79.5%
IBT 9,348.00
19,746.00
19,062.00
17,203.00
2,789.00
growth rate 111.2% -3.5% -9.8% -83.8%
Net Income 7,672.00
14,079.00
13,450.00
12,229.00
1,877.00
growth rate 83.5% -4.5% -9.1% -84.7%
Gross Profit 55,026.00
53,700.00
55,795.00
55,296.00
63,805.00
growth rate -2.4% 3.9% -0.9% 15.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (35.12)

YOY Growth Grade:

F (11.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.34 8.34
EPS / Growth 0.64

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.3% 2.3% 2.3%
Future PE 0.01 4.30 4.30
Future EPS 0.81 0.81 0.81
Value Price
MOS %
0.00
-100.0%
0.86
-84.1%
0.86
-84.1%
MOS Price 0.00 0.43 0.43
IRT 7.56 7.56 7.56

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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