Taiwan Business Bank, Ltd. Logo

Taiwan Business Bank, Ltd.

2834.TW

(3.2)
Stock Price

14,85 TWD

0.47% ROA

8.76% ROE

13.44x PER

Market Cap.

142.562.089.000,00 TWD

166.36% DER

1.15% Yield

21.32% NPM

Taiwan Business Bank, Ltd. Stock Analysis

Taiwan Business Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Taiwan Business Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.95x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (11.43%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.58%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock maintains a fair debt to equity ratio (55%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

The company's stock seems undervalued (41) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Taiwan Business Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Taiwan Business Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Taiwan Business Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Taiwan Business Bank, Ltd. Revenue
Year Revenue Growth
2006 11.099.919.000
2007 12.836.536.000 13.53%
2008 11.610.614.000 -10.56%
2009 13.316.441.000 12.81%
2010 14.573.296.000 8.62%
2011 15.054.340.000 3.2%
2012 16.183.906.000 6.98%
2013 17.644.874.000 8.28%
2014 19.151.688.000 7.87%
2015 20.129.094.000 4.86%
2016 19.921.829.000 -1.04%
2017 20.993.900.000 5.11%
2018 22.972.862.000 8.61%
2019 22.981.750.000 0.04%
2020 21.872.526.000 -5.07%
2021 23.980.349.000 8.79%
2022 28.448.854.000 15.71%
2023 32.988.964.000 13.76%
2023 60.904.706.000 45.84%
2024 72.265.560.000 15.72%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Taiwan Business Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Taiwan Business Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 2.731.465.000
2007 2.950.328.000 7.42%
2008 0 0%
2009 2.514.788.000 100%
2010 2.452.214.000 -2.55%
2011 2.742.414.000 10.58%
2012 3.025.043.000 9.34%
2013 3.121.263.000 3.08%
2014 3.527.782.000 11.52%
2015 4.019.336.000 12.23%
2016 3.990.909.000 -0.71%
2017 4.084.439.000 2.29%
2018 4.236.019.000 3.58%
2019 3.664.603.000 -15.59%
2020 3.499.262.000 -4.73%
2021 3.653.809.000 4.23%
2022 3.997.701.000 8.6%
2023 5.498.804.000 27.3%
2023 4.908.130.000 -12.03%
2024 4.808.788.000 -2.07%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Taiwan Business Bank, Ltd. EBITDA
Year EBITDA Growth
2006 17.126.715.000
2007 19.579.233.000 12.53%
2008 20.470.061.000 4.35%
2009 11.426.296.000 -79.15%
2010 10.283.013.000 -11.12%
2011 13.061.572.000 21.27%
2012 14.199.005.000 8.01%
2013 13.994.808.000 -1.46%
2014 16.363.224.000 14.47%
2015 16.960.577.000 3.52%
2016 15.942.080.000 -6.39%
2017 15.645.654.000 -1.89%
2018 20.760.682.000 24.64%
2019 9.023.543.000 -130.07%
2020 6.377.774.000 -41.48%
2021 6.843.077.000 6.8%
2022 26.341.797.000 74.02%
2023 11.563.120.000 -127.81%
2023 1.271.277.000 -809.57%
2024 1.398.796.000 9.12%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Taiwan Business Bank, Ltd. Gross Profit
Year Gross Profit Growth
2006 11.099.919.000
2007 12.836.536.000 13.53%
2008 11.610.614.000 -10.56%
2009 13.316.441.000 12.81%
2010 14.573.296.000 8.62%
2011 15.054.340.000 3.2%
2012 16.183.906.000 6.98%
2013 17.644.874.000 8.28%
2014 19.151.688.000 7.87%
2015 20.129.094.000 4.86%
2016 19.921.829.000 -1.04%
2017 20.993.900.000 5.11%
2018 22.972.862.000 8.61%
2019 22.981.750.000 0.04%
2020 21.872.526.000 -5.07%
2021 23.980.349.000 8.79%
2022 28.448.854.000 15.71%
2023 32.988.964.000 13.76%
2023 60.904.706.000 45.84%
2024 17.577.436.000 -246.49%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Taiwan Business Bank, Ltd. Net Profit
Year Net Profit Growth
2006 799.506.000
2007 1.048.460.000 23.74%
2008 93.535.000 -1020.93%
2009 1.432.069.000 93.47%
2010 2.006.234.000 28.62%
2011 2.977.898.000 32.63%
2012 3.403.839.000 12.51%
2013 3.610.202.000 5.72%
2014 5.315.137.000 32.08%
2015 5.113.036.000 -3.95%
2016 5.195.699.000 1.59%
2017 5.039.924.000 -3.09%
2018 7.640.542.000 34.04%
2019 6.734.253.000 -13.46%
2020 4.701.775.000 -43.23%
2021 5.100.112.000 7.81%
2022 10.121.852.000 49.61%
2023 8.666.128.000 -16.8%
2023 10.567.675.000 17.99%
2024 13.598.424.000 22.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Taiwan Business Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Taiwan Business Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2006 14.899.702.000
2007 -6.567.787.000 326.86%
2008 32.348.627.000 120.3%
2009 4.443.808.000 -627.95%
2010 605.955.000 -633.36%
2011 6.947.244.000 91.28%
2012 942.886.000 -636.81%
2013 23.792.164.000 96.04%
2014 47.550.593.000 49.96%
2015 -4.216.115.000 1227.83%
2016 45.313.074.000 109.3%
2017 5.439.134.000 -733.09%
2018 50.999.577.000 89.33%
2019 4.849.314.000 -951.69%
2020 -48.902.303.000 109.92%
2021 81.010.061.000 160.37%
2022 30.037.310.000 -169.7%
2023 21.780.035.000 -37.91%
2023 15.127.833.000 -43.97%
2024 216.684.000 -6881.52%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Taiwan Business Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 15.387.769.000
2007 -6.118.241.000 351.51%
2008 32.692.128.000 118.71%
2009 4.800.721.000 -580.98%
2010 890.587.000 -439.05%
2011 7.383.648.000 87.94%
2012 1.122.136.000 -558%
2013 24.046.871.000 95.33%
2014 47.730.445.000 49.62%
2015 -3.845.361.000 1341.25%
2016 45.764.565.000 108.4%
2017 6.055.106.000 -655.8%
2018 51.561.104.000 88.26%
2019 5.663.236.000 -810.45%
2020 -48.262.202.000 111.73%
2021 81.854.389.000 158.96%
2022 30.643.934.000 -167.11%
2023 22.000.256.000 -39.29%
2023 16.055.060.000 -37.03%
2024 407.944.000 -3835.6%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Taiwan Business Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 488.067.000
2007 449.546.000 -8.57%
2008 343.501.000 -30.87%
2009 356.913.000 3.76%
2010 284.632.000 -25.39%
2011 436.404.000 34.78%
2012 179.250.000 -143.46%
2013 254.707.000 29.63%
2014 179.852.000 -41.62%
2015 370.754.000 51.49%
2016 451.491.000 17.88%
2017 615.972.000 26.7%
2018 561.527.000 -9.7%
2019 813.922.000 31.01%
2020 640.101.000 -27.16%
2021 844.328.000 24.19%
2022 606.624.000 -39.18%
2023 220.221.000 -175.46%
2023 927.227.000 76.25%
2024 191.260.000 -384.8%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Taiwan Business Bank, Ltd. Equity
Year Equity Growth
2006 39.408.501.000
2007 40.029.384.000 1.55%
2008 39.472.749.000 -1.41%
2009 41.727.004.000 5.4%
2010 43.856.026.000 4.85%
2011 46.912.912.000 6.52%
2012 55.038.495.000 14.76%
2013 57.253.568.000 3.87%
2014 62.737.917.000 8.74%
2015 67.659.129.000 7.27%
2016 70.870.340.000 4.53%
2017 75.817.673.000 6.53%
2018 84.853.019.000 10.65%
2019 95.516.766.000 11.16%
2020 98.658.749.000 3.18%
2021 101.659.972.000 2.95%
2022 104.107.258.000 2.35%
2023 120.122.285.000 13.33%
2023 115.211.917.000 -4.26%
2024 125.634.509.000 8.3%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Taiwan Business Bank, Ltd. Assets
Year Assets Growth
2006 1.060.244.747.000
2007 1.102.512.855.000 3.83%
2008 1.162.094.699.000 5.13%
2009 1.187.558.861.000 2.14%
2010 1.213.641.361.000 2.15%
2011 1.267.008.130.000 4.21%
2012 1.290.019.825.000 1.78%
2013 1.326.368.076.000 2.74%
2014 1.392.390.567.000 4.74%
2015 1.475.891.595.000 5.66%
2016 1.498.728.982.000 1.52%
2017 1.584.093.971.000 5.39%
2018 1.619.040.455.000 2.16%
2019 1.746.152.814.000 7.28%
2020 1.791.635.053.000 2.54%
2021 2.021.253.072.000 11.36%
2022 2.072.486.125.000 2.47%
2023 2.209.814.531.000 6.21%
2023 2.190.106.327.000 -0.9%
2024 2.266.425.928.000 3.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Taiwan Business Bank, Ltd. Liabilities
Year Liabilities Growth
2006 1.020.836.246.000
2007 1.062.483.471.000 3.92%
2008 1.122.621.950.000 5.36%
2009 1.145.831.857.000 2.03%
2010 1.169.785.335.000 2.05%
2011 1.220.095.218.000 4.12%
2012 1.234.981.330.000 1.21%
2013 1.269.114.508.000 2.69%
2014 1.329.652.650.000 4.55%
2015 1.408.232.466.000 5.58%
2016 1.427.858.642.000 1.37%
2017 1.508.276.298.000 5.33%
2018 1.534.187.436.000 1.69%
2019 1.650.636.048.000 7.05%
2020 1.692.976.304.000 2.5%
2021 1.919.593.100.000 11.81%
2022 1.968.378.867.000 2.48%
2023 2.089.692.246.000 5.81%
2023 2.074.894.410.000 -0.71%
2024 2.140.791.419.000 3.08%

Taiwan Business Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.43
Net Income per Share
1.16
Price to Earning Ratio
13.44x
Price To Sales Ratio
2.87x
POCF Ratio
3.38
PFCF Ratio
3.46
Price to Book Ratio
1.13
EV to Sales
4.04
EV Over EBITDA
27.14
EV to Operating CashFlow
4.76
EV to FreeCashFlow
4.87
Earnings Yield
0.07
FreeCashFlow Yield
0.29
Market Cap
142,56 Bil.
Enterprise Value
200,87 Bil.
Graham Number
18.89
Graham NetNet
-238.54

Income Statement Metrics

Net Income per Share
1.16
Income Quality
3.61
ROE
0.09
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.82
EBT Per Ebit
1
Ebit per Revenue
0.26
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.73
Operating Profit Margin
0.26
Pretax Profit Margin
0.26
Net Profit Margin
0.21

Dividends

Dividend Yield
0.01
Dividend Yield %
1.15
Payout Ratio
0.08
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
4.6
Free CashFlow per Share
4.49
Capex to Operating CashFlow
0.02
Capex to Revenue
0.02
Capex to Depreciation
0.73
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
99.68
Days Payables Outstanding
307.51
Days of Inventory on Hand
2283.61
Receivables Turnover
3.66
Payables Turnover
1.19
Inventory Turnover
0.16
Capex per Share
0.11

Balance Sheet

Cash per Share
-10,81
Book Value per Share
13,70
Tangible Book Value per Share
13.59
Shareholders Equity per Share
13.7
Interest Debt per Share
26.49
Debt to Equity
1.66
Debt to Assets
0.09
Net Debt to EBITDA
7.88
Current Ratio
0.12
Tangible Asset Value
124,56 Bil.
Net Current Asset Value
-1.963,50 Bil.
Invested Capital
-1235367065000
Working Capital
-1.251,61 Bil.
Intangibles to Total Assets
0
Average Receivables
13,38 Bil.
Average Payables
19,26 Bil.
Average Inventory
-46746351500
Debt to Market Cap
1.47

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Taiwan Business Bank, Ltd. Dividends
Year Dividends Growth
2001 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Taiwan Business Bank, Ltd. Profile

About Taiwan Business Bank, Ltd.

Taiwan Business Bank, Ltd. provides banking and financial services to small and medium-size businesses in Taiwan, the United States, Hong Kong, Australia, China, Cambodia, and Japan. The company operates through Bank, Securities, Trust, Insurance agency, and Others segments. It engages in the provision of deposits, remittance, and loans; securities investment; and securities brokerage, financing, and ancillary business of futures trading. The company also offers a platform for securities investment; securities under writing, custodian bank, new type trust, and specific trust funds investing services; life and property insurance products; and leasing, financing, consulting, and venture capital services. As of December 31, 2021, it operated 124 domestic branches, 1 offshore banking unit, 8 overseas branches, 1 oversea representative office, and 16 securities brokerage locations. The company was founded in 1915 and is headquartered in Taipei, Taiwan.

CEO
Kuo-Chung Lee
Employee
5.674
Address
No. 30, Ta-Cheng Street
Taipei,

Taiwan Business Bank, Ltd. Executives & BODs

Taiwan Business Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Jia-Ruey Luan
Executive Vice President & Chief Information Security Officer
70
2 Kuo-Chung Lee
MD, President & Director
70
3 Ms. Yin-Cheng Tseng
Senior Vice President & GM of Administration Management Dept
70
4 Ms. Ching-Yun Kuo
Senior Vice President & GM of Human Resources Dept
70
5 Mr. Min-Chung Hsieh
Senior Vice President & GM of Compliance Department
70
6 Mr. Jiang Shu Lin
Sales Department Manager
70
7 Ming-Chi Huang
Accounting Officer
70
8 Mr. Chang-Yu Lin
Executive Vice President
70
9 Jyun-You Shih
Financial Officer
70
10 Mr. Shao-Huang Chen
Executive Vice President
70

Taiwan Business Bank, Ltd. Competitors