<div id="readability-page-1"><div><h2>Earnings results and governance move put Shizuoka Financial GroupInc (TSE:5831) in focus</h2> <p>Shizuoka Financial GroupInc (TSE:5831) has moved into the spotlight after reporting full year figures to March 31, 2026, alongside a board meeting to consider changes to its representative directors.</p> <p>The bank reported net interest income of ¥169,561 million and net income of ¥90,469 million. Basic earnings per share from continuing operations were ¥167.66, and diluted earnings per share were ¥167.64.</p> <p>See our latest analysis for Shizuoka Financial GroupInc.</p> <p>At a share price of ¥2,899.0, the stock has risen 16.52% year to date and delivered a 1 year total shareholder return of 89.06%. Its 5 year total shareholder return of 275.43% points to strong longer term momentum.</p> <p>If this kind of re rating has you thinking about what else is moving, it could be a good moment to widen your research and check out 13 top founder-led companies</p> <p>After such strong multi year returns and a reported intrinsic discount of about 26%, the key question is whether Shizuoka Financial GroupInc still offers value or if the market is already pricing in future growth.</p> <h2>Price-to-earnings of 17x: Is it justified?</h2> <p>On a P/E of 17x, Shizuoka Financial GroupInc trades at a higher earnings multiple than both its peer group on 15.4x and the Japan Banks sector on 14.1x, even though the stock also screens as 25.6% below the SWS DCF fair value estimate of ¥3,894.36.</p> <p>The P/E ratio compares the current share price of ¥2,899 to earnings per share and is a quick way of seeing how much investors are paying for each unit of profit. For a bank like Shizuoka Financial GroupInc, this often reflects expectations around future earnings growth, the quality of its loan book and the stability of returns.</p> <p>Here, the market is paying more per yen of earnings than for the average Japan bank, and even more than the estimate of a fair P/E of 15.8x suggests. That higher multiple sits alongside a forecast that earnings grow 11.46% per year while revenue is expected to decline 5.8% per year, so the premium appears closely linked to profit resilience rather than broad based top line expansion. If sentiment shifts toward the fair P/E level, the valuation could move closer to that ratio.</p> <p>Explore the SWS fair ratio for Shizuoka Financial GroupInc</p> <p><strong>Result: Price-to-earnings of 17x (OVERVALUED)</strong></p> <p>However, falling revenue growth and a relatively high P/E compared with sector peers could limit how much longer investors are willing to pay this premium.</p> <p>Find out about the key risks to this Shizuoka Financial GroupInc narrative.</p> <h2>Another view on value</h2> <p>While the current 17x P/E suggests Shizuoka Financial GroupInc is priced at a premium to peers, the SWS DCF model points in the opposite direction. It indicates the stock trades around 25.6% below an estimated fair value of ¥3,894.36. For you, that represents a very different message about potential upside and risk.</p> <p>Look into how the SWS DCF model arrives at its fair value.</p> <figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/40dae0ab-96e7-4a1c-8e9c-4f73ceca0d3a/chart/dcf/query-ZGF0ZT0yMDI2LTA1LTE4?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/40dae0ab-96e7-4a1c-8e9c-4f73ceca0d3a/chart/dcf/query-ZGF0ZT0yMDI2LTA1LTE4"/><figcaption>5831 Discounted Cash Flow as at May 2026</figcaption></figure><p>Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Shizuoka Financial GroupInc for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 19 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.</p> <h2>Next Steps</h2> <p>Mixed messages on value and risk can be a good reason to pause, but also to act quickly and test the numbers yourself. Take a moment to weigh both sides by reviewing the 4 key rewards and 2 important warning signs</p> <h2>Looking for more investment ideas?</h2> <p>If Shizuoka Financial GroupInc has sharpened your focus, do not stop here. The next strong addition to your watchlist could be one smart filter away.</p> <ul> <li>Target stability first by scanning for companies in the 55 resilient stocks with low risk scores that may better fit your comfort with risk and volatility.</li> <li>Hunt for quality at sensible prices using the 19 high quality undervalued stocks to spot stocks that combine fundamentals with pricing that might appeal to value focused investors.</li> <li>Prioritise balance sheet strength with the solid balance sheet and fundamentals stocks screener (37 results) and narrow in on businesses built on stronger financial footing.</li> </ul> <p><em> This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data         and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your         financial situation. We aim to bring you long-term focused analysis driven by fundamental data.         Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.         Simply Wall St has no position in any stocks mentioned.</em></p><div><h3><strong>New: </strong>Manage All Your Stock Portfolios in One Place</h3><p>We've created the <strong>ultimate portfolio companion</strong> for stock investors, <strong>and it's free.</strong></p><p>• Connect an unlimited number of Portfolios and see your total in one currency<br/>• Be alerted to new Warning Signs or Risks via email or mobile<br/>• Track the Fair Value of your stocks<br/></p><p>Try a Demo Portfolio for Free</p></div></div></div>

<p>Shizuoka Financial Group (TSE:5831) reported FY 2026 results, showing net interest income of ¥169,561 million and net income of ¥90,469 million. The stock price is ¥2,899, up 16.52% YTD, but trades at a P/E of 17x, higher than peers. Despite a DCF fair value estimate of ¥3,894.36, concerns over declining revenue growth may limit premium valuation. Investors are advised to weigh potential risks and rewards before making decisions.</p>

Assessing Shizuoka Financial Group (TSE:5831) Valuation After FY 2026 Results And Board Leadership Review