Cash flow Shizuoka Financial Group,Inc.

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5831

JP3351500008

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End-of-day quote Japan Exchange Other stock markets 12/06/2026			5-day change	1st Jan Change
3,052.00 ^JPY	+2.64%		+5.37%	+25.49%

05-12	Shizuoka Financial Group,Inc. Proposes Dividend for the Fiscal Year Ended March 31, 2026, Payable on June 22, 2026, Provides Dividend Guidance for the Second Quarter and Year End of Fiscal Year Ending March 31, 2027	CI
05-12	Shizuoka Financial Group,Inc. Provides Consolidated Earnings Forecast for the Fiscal Year Ending March 31, 2027	CI

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Published financial data: SHIZUOKA FINANCIAL GROUP,INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	99.16B	98.03B	119B	147B	153B
Interest Income On Investments	23.12B	30.15B	39.97B	59.56B	74.47B
Interest Income, Total	122B	128B	159B	206B	228B
Interest On Deposits	3.41B	2.21B	19.43B	41.13B	42.5B
Total Interest On Borrowings	5.68B	3.75B	20.29B	37.18B	38.23B
Interest Expense, Total	9.1B	5.96B	39.72B	78.32B	80.73B
Net Interest Income	113B	122B	119B	128B	147B
Trust Income	2M	2M	2M	2M	2M
Income From Trading Activities	3.55B	3.45B	3.72B	1.54B	1.54B
Gain (Loss) on Sale of Assets	-454M	-828M	-385M	-384M	6.16B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	8.28B	4.89B	13.91B	23.47B	15.09B
Total Other Non Interest Income	96.67B	105B	111B	115B	96.81B
Non Interest Income, Total	108B	113B	128B	140B	120B
Revenues Before Provison For Loan Losses	221B	235B	247B	268B	267B
Provision For Loan Losses	12.07B	6.21B	4.54B	3.98B	3.88B
Total Revenues	209B	229B	243B	264B	263B
Selling General & Admin Expenses, Total	93.72B	97.63B	95.86B	96.47B	97.11B
Total Other Non Interest Expense	52.56B	77.58B	73.3B	65.54B	57.49B
Non Interest Expense, Total	146B	175B	169B	162B	155B
EBT, Excl. Unusual Items	62.89B	53.39B	73.58B	102B	108B
Asset Writedown	-2.85B	-634M	-258M	-22.14B	-4.38B
Other Unusual Items	649M	6.04B	-1M	-207M	776M
EBT, Incl. Unusual Items	60.69B	58.8B	73.32B	79.49B	105B
Income Tax Expense	16.97B	17.08B	20.87B	21.73B	30.02B
Earnings From Continuing Operations	43.72B	41.72B	52.45B	57.76B	74.61B
Net Income to Company	43.72B	41.72B	52.45B	57.76B	74.61B
Minority Interest	-83M	-87M	-54M	3M	8M
Net Income - (IS)	43.64B	41.64B	52.4B	57.76B	74.62B
Net Income to Common Incl Extra Items	43.64B	41.64B	52.4B	57.76B	74.62B
Net Income to Common Excl. Extra Items	43.64B	41.64B	52.4B	57.76B	74.62B
Per Share Items
Net EPS - Basic	76.02	73.28	92.93	104.18	136.37
Basic EPS - Continuing Operations	76.02	73.28	92.93	104.18	136.37
Basic Weighted Average Shares Outstanding	574M	568M	564M	554M	547M
Net EPS - Diluted	73.32	70.54	91.01	104.15	136.34
Diluted EPS - Continuing Operations	73.32	70.54	91.01	104.15	136.34
Diluted Weighted Average Shares Outstanding	596M	590M	581M	555M	547M
Normalized Basic EPS	68.34	58.57	81.46	114.8	123.64
Normalized Diluted EPS	65.83	56.39	79.03	114.77	123.62
Dividend Per Share	25	26	30	39	60
Payout Ratio	28.89	36.18	30.62	30.81	34.57
American Depositary Receipts Ratio (ADR)	10	10	10	10	10
Supplemental Items
Effective Tax Rate - (Ratio)	27.96	29.04	28.46	27.34	28.69
Normalized Net Income	39.23B	33.28B	45.93B	63.65B	67.65B
Non-Cash Pension Expense	113M	-566M	-1.55B	-1.16B	-1.38B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2,097B	2,276B	1,747B	1,563B	994B
Investment Securities, Total	1,986B	2,376B	3,045B	3,386B	3,320B
Trading Asset Securities, Total	18.46B	14.76B	10.9B	11.84B	9.96B
Total investments	2,004B	2,391B	3,056B	3,398B	3,330B
Gross Loans	9,454B	9,574B	10,238B	10,496B	10,813B
Allowance For Loan Losses	-53.9B	-53.38B	-52.34B	-52.59B	-52.6B
Net Loans	9,400B	9,520B	10,186B	10,443B	10,761B
Net Property Plant And Equipment	57.61B	54.79B	54.34B	50.26B	50.08B
Other Intangibles, Total	50.05B	46.57B	42.2B	22.34B	21.05B
Restricted Cash	104B	105B	110B	144B	144B
Other Current Assets, Total	70.12B	91.42B	99.58B	75.02B	79.34B
Deferred Tax Assets Long-Term (Collected)	3.16B	3.28B	3.24B	3.26B	3.18B
Other Long-Term Assets, Total	289B	430B	357B	442B	333B
Total Assets	14,076B	14,918B	15,655B	16,142B	15,715B
Liabilities
Interest Bearing Deposits	11,146B	11,557B	11,770B	11,952B	11,914B
Total Deposits	11,146B	11,557B	11,770B	11,952B	11,914B
Short-Term Borrowings	460B	474B	558B	568B	540B
Long-Term Debt	1,101B	1,512B	1,837B	2,050B	1,751B
Other Current Liabilities - (Bank / Utility Template)	58.66B	83.57B	97.99B	72.92B	73.63B
Pension & Other Post Retirement Benefits	3.78B	4.15B	4.32B	3.91B	4.37B
Deferred Tax Liability Non-Current	78.05B	63.98B	78.86B	83.05B	55.26B
Other Non Current Liabilities	123B	135B	160B	208B	209B
Total Liabilities	12,970B	13,830B	14,507B	14,938B	14,548B
Common Stock, Total	90.84B	90.84B	90B	90B	90B
Additional Paid In Capital	54.88B	54.88B	55.46B	45.92B	40.86B
Retained Earnings	743B	769B	805B	845B	894B
Treasury Stock	-20.37B	-29.03B	-33.61B	-36.04B	-41.76B
Comprehensive Income and Other	235B	201B	231B	258B	184B
Total Common Equity	1,104B	1,087B	1,148B	1,203B	1,167B
Minority Interest	1.42B	1.39B	-	16M	8M
Total Equity	1,105B	1,088B	1,148B	1,203B	1,167B
Total Liabilities And Equity	14,076B	14,918B	15,655B	16,142B	15,715B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	573M	564M	554M	550M	542M
ECS Total Common Shares Outstanding	574M	564M	560M	550M	542M
Book Value / Share	1.92K	1.93K	2.05K	2.19K	2.15K
Tangible Book Value	1,054B	1,040B	1,106B	1,181B	1,146B
Tangible Book Value Per Share	1.84K	1.84K	1.98K	2.15K	2.11K
Average Loans	9,360B	9,481B	9,858B	10,309B	10,574B
Total Debt	1,561B	1,986B	2,395B	2,618B	2,292B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.63B	-10.54B	-10.36B	-14.65B	-13.47B
Net Debt	-555B	-305B	637B	1,043B	1,288B
Full Time Employees	3.95K	3.98K	3.94K	4K	4.13K
Number Of Offices	208	206	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	60.69B	58.8B	73.32B	79.49B	105B
Depreciation, Depletion & Amortization	13.41B	19.46B	17.96B	15.23B	13.2B
Total Depreciation, Depletion & Amortization	13.41B	19.46B	17.96B	15.23B	13.2B
(Gain) Loss On Sale of Asset - (CF)	3.31B	1.46B	643M	22.53B	-1.78B
(Gain) Loss on Sale of Investments - (CF)	-13.46B	581M	-6.28B	-22.5B	-4.03B
(Income) Loss On Equity Investments - (CF)	-3.52B	-1.95B	-417M	-8.13B	-823M
Change in Trading Asset Securities	-5.13B	3.99B	6.85B	-3.08B	1.36B
Change in Other Net Operating Assets (Collected)	23.65B	455B	-319B	27.82B	-617B
Other Operating Activities	5.5B	-145B	-16.63B	-12.12B	11.92B
Cash from Operations	84.45B	393B	-244B	99.23B	-493B
Capital Expenditure	-4.2B	-4.52B	-4.66B	-4.94B	-5.52B
Sale of Property, Plant, and Equipment	850M	677M	677M	265M	6.83B
Purchase / Sale of Intangible Assets	-12.66B	-9.52B	-8.1B	-7.14B	-9.32B
Investment in Marketable and Equity Securities, Total	-224B	-481B	-409B	-242B	24.01B
Other Investing Activities, Total	-100B	-699M	-5.3B	-39.4B	499M
Cash from Investing	-340B	-495B	-427B	-293B	16.51B
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-39.81B	-	-
Total Debt Repaid	-	-	-39.81B	-	-
Issuance of Common Stock	-	-	86M	-	-
Repurchase of Common Stock	-	-8.76B	-4.7B	-7B	-10.99B
Common Dividends Paid	-12.6B	-15.06B	-16.04B	-17.8B	-25.79B
Common & Preferred Stock Dividends Paid	-12.6B	-15.06B	-16.04B	-17.8B	-25.79B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,026B	338B	172B	70.82B	-28.14B
Other Financing Activities, Total	-3M	-4M	-1.4B	20M	-1M
Cash from Financing	1,013B	314B	110B	46.04B	-64.93B
Foreign Exchange Rate Adjustments	1M	2M	2M	4M	-
Miscellaneous Cash Flow Adjustments	-1M	-	-	1M	-
Net Change in Cash	757B	213B	-561B	-148B	-541B
Supplemental Items
Cash Income Tax Paid (Refund)	16.34B	24.86B	12.88B	21.67B	32.11B
Net Debt Issued / Repaid	-	-	-39.81B	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.33	0.29	0.34	0.36	0.47
Return On Equity %	4.17	3.8	4.69	4.91	6.3
Return on Common Equity	4.16	3.8	4.69	4.91	6.3
Shareholders Value Added	-82.09B	-89.81B	-81.7B	-83.33B	-67.6B
Margin Analysis
SG&A Margin	44.8	42.71	39.49	36.56	36.95
Net Interest Income / Total Revenues %	54.11	53.47	48.98	48.42	55.97
EBT Excl. Non-Recurring Items Margin %	30.07	23.36	30.31	38.6	41.18
Income From Continuing Operations Margin %	20.9	18.25	21.61	21.89	28.39
Net Income Margin %	20.86	18.21	21.59	21.89	28.39
Net Avail. For Common Margin %	20.86	18.21	21.59	21.89	28.39
Normalized Net Income Margin	18.75	14.56	18.92	24.12	25.74
Asset quality
Nonperforming Loans / Total Loans %	1.11	1.05	1.04	0.98	0.88
Nonperforming Loans / Total Assets %	0.75	0.67	0.68	0.64	0.6
Nonperforming Assets / Total Assets %	0.75	0.67	0.68	0.64	0.6
NPAs / Loans and OREO	1.11	1.05	1.04	0.98	0.88
NPAs / Equity	9.51	9.24	9.29	8.54	8.14
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	51.28	53.11	49.09	51.16	55.37
Allowance for Credit Losses / Total Loans %	0.57	0.56	0.51	0.5	0.49
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	95.63	101.66	99.82	97.08	104.22
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.87	7.56	7.31	7.4	7.44
Total Average Equity / Total Average Assets %	7.88	7.57	7.31	7.4	7.44
Total Equity + Allowance for Loan Losses / Total Loans %	12.25	11.91	11.73	11.97	11.28
Gross Loans / Total Deposits %	84.82	82.84	86.98	87.81	90.76
Net Loans / Total Deposits %	84.34	82.37	86.54	87.37	90.32
Tier 1 Capital Ratio %	16.56	16.08	18.42	18.17	16.29
Total Capital Ratio %	16.56	16.08	18.42	18.17	16.29
Core Tier 1 Capital Ratio	16.56	16.08	18.42	18.17	16.29
Tier 2 Capital Ratio	-	0	0	0	0
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	11.68	16.66	4.61	3.14	3.74
EBT + Interest Expense / Interest Expense	7.67	10.86	2.85	2.01	2.3
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.59	7.99	-2.73	7.46	15.14
Non Interest Income, 1 Yr. Growth %	14.8	4.19	14.04	9.09	-14.61
Provision For Loan Losses, 1 Yr. Growth %	61.45	-48.53	-26.88	-12.39	-2.56
Total Revenues, 1 Yr. Growth %	8.47	9.29	6.19	8.7	-0.38
Earnings From Cont. Operations, 1 Yr. Growth %	12.71	-4.57	25.72	10.12	29.18
Net Income, 1 Yr. Growth %	12.75	-4.59	25.85	10.24	29.19
Normalized Net Income, 1 Yr. Growth %	15.95	-15.15	38.01	38.58	6.29
Diluted EPS Before Extra, 1 Yr. Growth %	12.09	-3.79	29.03	14.43	30.91
Dividend Per Share, 1 Yr. Growth %	13.64	4	15.38	30	53.85
Gross Loans, 1 Yr. Growth %	3.79	1.26	6.94	2.52	3.02
Allowance For Loan Losses, 1 Yr. Growth %	19.55	-0.96	-1.96	0.49	0.01
Net Loans, 1 Yr. Growth %	3.71	1.28	6.99	2.53	3.04
Non Performing Loans, 1 Yr. Growth %	11.37	-4.38	6.06	-3.57	-7.59
Non Performing Assets, 1 Yr. Growth %	11.37	-4.38	6.06	-3.57	-7.59
Total Assets, 1 Yr. Growth %	12.22	5.98	4.94	3.11	-2.64
Total Deposits, 1 Yr Growth %	10.3	3.69	1.84	1.55	-0.32
Tangible Book Value, 1 Yr. Growth %	11.51	-1.29	6.31	6.79	-2.97
Average Interest Earning Assets, 1 Yr. Growth %	6.52	14.49	3.27	6.31	2.61
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.52	7.7	5.17	9.31	-4.42
Common Equity, 1 Yr. Growth %	11.34	-1.55	5.64	4.81	-3.03
Total Equity, 1 Yr. Growth %	11.34	-1.55	5.5	4.82	-3.03
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-1.21	7.28	2.49	2.24	11.23
Non Interest Income, 2 Yr. CAGR %	8.11	9.37	9.01	11.54	-3.48
Provision For Loan Losses, 2 Yr. CAGR %	46.97	-8.84	-38.65	-19.96	-7.61
Total Revenues, 2 Yr. CAGR %	1.55	8.88	7.73	7.43	4.06
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.49	3.71	9.53	17.66	19.27
Net Income, 2 Yr. CAGR %	-3.51	3.72	9.58	17.78	19.34
Normalized Net Income, 2 Yr. CAGR %	-0.25	-0.81	8.21	38.29	21.36
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.38	3.85	11.42	21.51	22.39
Dividend Per Share, 2 Yr. CAGR %	6.6	8.71	9.54	22.47	41.42
Gross Loans, 2 Yr. CAGR %	3.64	2.52	4.06	4.71	2.77
Allowance For Loan Losses, 2 Yr. CAGR %	13.51	8.81	-1.46	-0.74	0.25
Net Loans, 2 Yr. CAGR %	3.59	2.49	4.09	4.74	2.78
Non Performing Loans, 2 Yr. CAGR %	5.75	3.19	0.7	1.13	-5.6
Non Performing Assets, 2 Yr. CAGR %	5.75	3.19	0.7	1.13	-5.6
Total Assets, 2 Yr. CAGR %	8.97	9.06	5.46	4.02	0.19
Total Deposits, 2 Yr CAGR %	6	6.94	2.76	1.69	0.61
Tangible Book Value, 2 Yr. CAGR %	3.87	4.92	2.44	6.55	1.79
Average Interest Earning Assets, 2 Yr. CAGR %	5.25	10.43	8.73	4.78	4.44
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.04	8.6	6.43	7.22	2.22
Common Equity, 2 Yr. CAGR %	4.27	4.7	1.98	5.22	0.82
Total Equity, 2 Yr. CAGR %	4.26	4.7	1.91	5.16	0.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.73	1.77	3.84	4.12	6.37
Non Interest Income, 3 Yr. CAGR %	3.73	6.79	10.9	9.04	2.04
Provision For Loan Losses, 3 Yr. CAGR %	-	3.6	-15.3	-30.91	-14.54
Total Revenues, 3 Yr. CAGR %	0.26	4.07	7.97	8.05	4.76
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.48	-3.85	10.58	9.72	21.38
Net Income, 3 Yr. CAGR %	-4.52	-3.87	10.63	9.8	21.47
Normalized Net Income, 3 Yr. CAGR %	-1.48	-5.49	10.73	17.51	26.68
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.18	-2.85	11.64	12.41	24.56
Dividend Per Share, 3 Yr. CAGR %	5.98	5.73	10.89	15.98	32.15
Gross Loans, 3 Yr. CAGR %	3.76	2.84	3.97	3.55	4.14
Allowance For Loan Losses, 3 Yr. CAGR %	10.11	8.46	5.1	-0.81	-0.49
Net Loans, 3 Yr. CAGR %	3.72	2.81	3.97	3.57	4.17
Non Performing Loans, 3 Yr. CAGR %	3.59	2.26	4.14	-0.74	-1.87
Non Performing Assets, 3 Yr. CAGR %	3.59	2.26	4.14	-0.74	-1.87
Total Assets, 3 Yr. CAGR %	6.87	7.96	7.67	4.67	1.75
Total Deposits, 3 Yr CAGR %	5.01	5.23	5.21	2.36	1.02
Tangible Book Value, 3 Yr. CAGR %	3.35	2.12	5.38	3.87	3.28
Average Interest Earning Assets, 3 Yr. CAGR %	4.31	8.25	7.99	7.92	4.05
Average Interest Bearing Liabilities, 3 Yr. CAGR %	6.34	7.93	7.45	7.38	3.19
Common Equity, 3 Yr. CAGR %	3.65	2.29	5.01	2.92	2.4
Total Equity, 3 Yr. CAGR %	3.64	2.29	4.96	2.87	2.35
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.23	2.44	1.43	1.96	6.74
Non Interest Income, 5 Yr. CAGR %	1.89	-2.28	5.81	8.67	4.91
Provision For Loan Losses, 5 Yr. CAGR %	35.73	9.45	-	-6.56	-12.3
Total Revenues, 5 Yr. CAGR %	-0.11	-0.19	3.18	5.4	6.39
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.83	7.29	0.89	4.23	13.98
Net Income, 5 Yr. CAGR %	-1.85	7.3	0.89	4.27	14.03
Normalized Net Income, 5 Yr. CAGR %	-2.87	2.66	2.28	10.05	14.87
Diluted EPS Before Extra, 5 Yr. CAGR %	-0	9.32	3.05	6.25	15.82
Dividend Per Share, 5 Yr. CAGR %	4.56	5.39	7.39	12.13	22.22
Gross Loans, 5 Yr. CAGR %	3.36	3.13	3.88	3.58	3.49
Allowance For Loan Losses, 5 Yr. CAGR %	2.11	2.54	5.33	4.68	3.13
Net Loans, 5 Yr. CAGR %	3.37	3.13	3.87	3.58	3.49
Non Performing Loans, 5 Yr. CAGR %	-2.47	-0.36	2.42	1.8	0.13
Non Performing Assets, 5 Yr. CAGR %	-2.47	-0.36	2.42	1.8	0.13
Total Assets, 5 Yr. CAGR %	4.83	6.18	6.3	6.37	4.61
Total Deposits, 5 Yr CAGR %	4.09	4.3	4.11	3.8	3.35
Tangible Book Value, 5 Yr. CAGR %	3.25	2.9	2.98	3.87	3.93
Average Interest Earning Assets, 5 Yr. CAGR %	2.37	5.04	6.06	6.85	6.56
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.25	5.35	6.38	7.65	5.32
Common Equity, 5 Yr. CAGR %	3.68	3.09	2.98	3.45	3.31
Total Equity, 5 Yr. CAGR %	3.69	3.09	2.95	3.43	3.29