O-Bank Co., Ltd. Logo

O-Bank Co., Ltd.

2897.TW

(3.0)
Stock Price

9,99 TWD

0.44% ROA

7.28% ROE

9.27x PER

Market Cap.

27.310.510.000,00 TWD

635.67% DER

4.41% Yield

19.04% NPM

O-Bank Co., Ltd. Stock Analysis

O-Bank Co., 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.

O-Bank Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.41%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.82x), the stock offers substantial upside potential at a bargain price.

3 DER

The stock has a low debt to equity ratio (33%), which means it has a small amount of debt compared to the ownership it holds

4 ROA

The stock's ROA (1.02%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (16), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

O-Bank Co., 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.

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

O-Bank Co., 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.

O-Bank Co., Ltd. Revenue
Year Revenue Growth
2006 2.801.749.000
2007 5.397.578.000 48.09%
2008 1.612.096.000 -234.82%
2009 7.482.391.000 78.45%
2010 5.819.168.000 -28.58%
2011 3.785.925.000 -53.71%
2012 5.206.525.000 27.28%
2013 5.929.035.000 12.19%
2014 6.842.455.000 13.35%
2015 7.574.401.000 9.66%
2016 7.667.513.000 1.21%
2017 7.770.485.000 1.33%
2018 7.662.755.000 -1.41%
2019 8.183.724.000 6.37%
2020 8.144.460.000 -0.48%
2021 9.000.587.000 9.51%
2022 8.581.456.000 -4.88%
2023 9.448.728.000 9.18%
2023 21.359.564.000 55.76%
2024 24.515.120.000 12.87%

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.

O-Bank Co., 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.

O-Bank Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 756.009.000
2007 957.760.000 21.06%
2008 1.071.304.000 10.6%
2009 984.395.000 -8.83%
2010 984.638.000 0.02%
2011 977.033.000 -0.78%
2012 901.485.000 -8.38%
2013 880.328.000 -2.4%
2014 1.025.402.000 14.15%
2015 1.110.141.000 7.63%
2016 972.391.000 -14.17%
2017 1.284.407.000 24.29%
2018 1.527.383.000 15.91%
2019 1.253.639.000 -21.84%
2020 1.119.902.000 -11.94%
2021 1.138.450.000 1.63%
2022 1.285.602.000 11.45%
2023 1.312.592.000 2.06%
2023 1.329.632.000 1.28%
2024 1.327.296.000 -0.18%

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.

O-Bank Co., Ltd. EBITDA
Year EBITDA Growth
2006 3.428.529.000
2007 5.291.842.000 35.21%
2008 3.345.626.000 -58.17%
2009 3.505.595.000 4.56%
2010 3.385.550.000 -3.55%
2011 3.333.195.000 -1.57%
2012 3.231.779.000 -3.14%
2013 4.436.651.000 27.16%
2014 5.431.972.000 18.32%
2015 5.526.726.000 1.71%
2016 5.417.640.000 -2.01%
2017 5.703.513.000 5.01%
2018 7.070.815.000 19.34%
2019 2.400.301.000 -194.58%
2020 2.562.665.000 6.34%
2021 3.516.325.000 27.12%
2022 11.232.813.000 68.7%
2023 3.821.996.000 -193.9%
2023 -202.795.000 1984.66%
2024 75.648.000 368.08%

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.

O-Bank Co., Ltd. Gross Profit
Year Gross Profit Growth
2006 2.801.749.000
2007 5.397.578.000 48.09%
2008 1.612.096.000 -234.82%
2009 7.482.391.000 78.45%
2010 5.819.168.000 -28.58%
2011 3.785.925.000 -53.71%
2012 5.206.525.000 27.28%
2013 5.929.035.000 12.19%
2014 6.842.455.000 13.35%
2015 7.574.401.000 9.66%
2016 7.667.513.000 1.21%
2017 7.770.485.000 1.33%
2018 7.662.755.000 -1.41%
2019 8.183.724.000 6.37%
2020 8.144.460.000 -0.48%
2021 9.000.587.000 9.51%
2022 8.581.456.000 -4.88%
2023 9.448.728.000 9.18%
2023 2.126.277.000 -344.38%
2024 24.515.120.000 91.33%

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.

O-Bank Co., Ltd. Net Profit
Year Net Profit Growth
2006 942.877.000
2007 2.015.459.000 53.22%
2008 -2.448.662.000 182.31%
2009 1.650.678.000 248.34%
2010 1.509.478.000 -9.35%
2011 936.141.000 -61.24%
2012 59.229.000 -1480.55%
2013 1.128.836.000 94.75%
2014 1.766.526.000 36.1%
2015 1.726.066.000 -2.34%
2016 1.643.898.000 -5%
2017 1.072.080.000 -53.34%
2018 954.659.000 -12.3%
2019 2.030.634.000 52.99%
2020 2.313.506.000 12.23%
2021 3.204.620.000 27.81%
2022 5.034.471.000 36.35%
2023 2.580.308.000 -95.11%
2023 2.492.420.000 -3.53%
2024 2.724.916.000 8.53%

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.

O-Bank Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 1 0%
2008 -1 100%
2009 1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 2 0%
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.

O-Bank Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2006 1.931.764.000
2007 8.806.671.000 78.06%
2008 -17.822.883.000 149.41%
2009 25.164.475.000 170.83%
2010 -22.388.821.000 212.4%
2011 -27.625.563.000 18.96%
2012 12.337.075.000 323.92%
2013 -20.853.237.000 159.16%
2014 29.645.249.000 170.34%
2015 -15.375.692.000 292.81%
2016 3.416.113.000 550.09%
2017 9.691.608.000 64.75%
2018 13.864.351.000 30.1%
2019 -4.625.738.000 399.72%
2020 -2.130.241.000 -117.15%
2021 -1.659.294.000 -28.38%
2022 5.628.680.000 129.48%
2023 -21.160.000 26700.57%
2023 1.629.165.000 101.3%
2024 3.761.677.000 56.69%

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.

O-Bank Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 2.436.411.000
2007 9.929.854.000 75.46%
2008 -17.607.365.000 156.4%
2009 25.462.307.000 169.15%
2010 -22.273.187.000 214.32%
2011 -27.533.969.000 19.11%
2012 12.429.122.000 321.53%
2013 -20.660.582.000 160.16%
2014 29.992.735.000 168.89%
2015 -15.019.261.000 299.7%
2016 4.695.891.000 419.84%
2017 10.373.930.000 54.73%
2018 14.348.008.000 27.7%
2019 -4.377.998.000 427.73%
2020 -1.882.169.000 -132.6%
2021 -1.526.908.000 -23.27%
2022 5.807.782.000 126.29%
2023 43.987.000 -13103.41%
2023 2.253.416.000 98.05%
2024 3.860.634.000 41.63%

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.

O-Bank Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 504.647.000
2007 1.123.183.000 55.07%
2008 215.518.000 -421.16%
2009 297.832.000 27.64%
2010 115.634.000 -157.56%
2011 91.594.000 -26.25%
2012 92.047.000 0.49%
2013 192.655.000 52.22%
2014 347.486.000 44.56%
2015 356.431.000 2.51%
2016 1.279.778.000 72.15%
2017 682.322.000 -87.56%
2018 483.657.000 -41.08%
2019 247.740.000 -95.23%
2020 248.072.000 0.13%
2021 132.386.000 -87.39%
2022 179.102.000 26.08%
2023 65.147.000 -174.92%
2023 624.251.000 89.56%
2024 98.957.000 -530.83%

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.

O-Bank Co., Ltd. Equity
Year Equity Growth
2006 28.055.544.000
2007 42.929.297.000 34.65%
2008 40.125.689.000 -6.99%
2009 42.384.497.000 5.33%
2010 40.619.972.000 -4.34%
2011 43.321.761.000 6.24%
2012 42.487.944.000 -1.96%
2013 42.895.706.000 0.95%
2014 44.991.989.000 4.66%
2015 46.281.290.000 2.79%
2016 45.871.109.000 -0.89%
2017 46.174.643.000 0.66%
2018 49.118.712.000 5.99%
2019 50.816.277.000 3.34%
2020 54.252.765.000 6.33%
2021 55.167.387.000 1.66%
2022 54.009.564.000 -2.14%
2023 58.517.746.000 7.7%
2023 56.704.027.000 -3.2%
2024 58.839.569.000 3.63%

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.

O-Bank Co., Ltd. Assets
Year Assets Growth
2006 135.803.628.000
2007 307.713.817.000 55.87%
2008 298.501.279.000 -3.09%
2009 296.379.135.000 -0.72%
2010 302.863.206.000 2.14%
2011 333.027.889.000 9.06%
2012 346.561.043.000 3.9%
2013 393.029.533.000 11.82%
2014 428.063.498.000 8.18%
2015 485.986.142.000 11.92%
2016 496.884.750.000 2.19%
2017 540.572.021.000 8.08%
2018 561.841.574.000 3.79%
2019 560.700.016.000 -0.2%
2020 575.413.630.000 2.56%
2021 575.080.669.000 -0.06%
2022 577.343.132.000 0.39%
2023 626.749.001.000 7.88%
2023 620.626.877.000 -0.99%
2024 672.745.248.000 7.75%

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.

O-Bank Co., Ltd. Liabilities
Year Liabilities Growth
2006 29.614.163.000
2007 165.827.228.000 82.14%
2008 149.931.076.000 -10.6%
2009 253.994.638.000 40.97%
2010 262.243.234.000 3.15%
2011 289.706.128.000 9.48%
2012 304.073.099.000 4.72%
2013 11.480.000.000 -2548.72%
2014 14.980.000.000 23.36%
2015 14.950.000.000 -0.2%
2016 17.450.000.000 14.33%
2017 20.400.000.000 14.46%
2018 512.722.862.000 96.02%
2019 509.883.739.000 -0.56%
2020 521.160.865.000 2.16%
2021 519.913.282.000 -0.24%
2022 523.333.568.000 0.65%
2023 568.231.255.000 7.9%
2023 563.922.850.000 -0.76%
2024 613.905.679.000 8.14%

O-Bank Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.67
Net Income per Share
1.08
Price to Earning Ratio
9.27x
Price To Sales Ratio
1.76x
POCF Ratio
9.04
PFCF Ratio
10.81
Price to Book Ratio
0.67
EV to Sales
16.13
EV Over EBITDA
225.67
EV to Operating CashFlow
82.62
EV to FreeCashFlow
98.82
Earnings Yield
0.11
FreeCashFlow Yield
0.09
Market Cap
27,31 Bil.
Enterprise Value
249,70 Bil.
Graham Number
19.04
Graham NetNet
-227.6

Income Statement Metrics

Net Income per Share
1.08
Income Quality
0.83
ROE
0.07
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.71
EBT Per Ebit
4.25
Ebit per Revenue
0.06
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.06
Pretax Profit Margin
0.27
Net Profit Margin
0.19

Dividends

Dividend Yield
0.04
Dividend Yield %
4.41
Payout Ratio
0.4
Dividend Per Share
0.44

Operating Metrics

Operating Cashflow per Share
1.11
Free CashFlow per Share
0.93
Capex to Operating CashFlow
0.16
Capex to Revenue
0.03
Capex to Depreciation
0.84
Return on Invested Capital
0
Return on Tangible Assets
0
Days Sales Outstanding
94.16
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.18

Balance Sheet

Cash per Share
-6,31
Book Value per Share
21,55
Tangible Book Value per Share
20.93
Shareholders Equity per Share
14.92
Interest Debt per Share
98.65
Debt to Equity
6.36
Debt to Assets
0.39
Net Debt to EBITDA
200.99
Current Ratio
0.53
Tangible Asset Value
57,16 Bil.
Net Current Asset Value
-437,56 Bil.
Invested Capital
-150454773000
Working Capital
-154,92 Bil.
Intangibles to Total Assets
0
Average Receivables
4,76 Bil.
Average Payables
6,47 Bil.
Average Inventory
-71986771000
Debt to Market Cap
9.49

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.

O-Bank Co., Ltd. Dividends
Year Dividends Growth
2008 1
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%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

O-Bank Co., Ltd. Profile

About O-Bank Co., Ltd.

O-Bank Co., Ltd. provides various banking services to corporate clients in Taiwan. It offers corporate banking services, including short- and long-term financing for working capitals, guarantees, syndications, and factoring, as well as general trade finance, cross-strait banking, and forfaiting services. The company also provides trade financing services, such as export and import financing services; and project finance and syndicated loan products. In addition, it offers factoring services comprising account receivable, credit facilities, account management, and collection services, as well as cash management services, which include corporate internet banking, and payable and receivable management services; and financial advisory services for mergers and acquisitions, corporate restructuring, spin off, share swap, tender offer, management buyout, leveraged buyout, fund raising, and private placement. Further, the company provides foreign exchange deposits; foreign currency guarantees; inward and outward remittance, as well as import and export services; interest rate products consisting of cross currency swaps, interest rate options, and interest rate swaps; exchange rate products, such as currency forward contract, currency options, and currency swaps; and structured products. Additionally, it offers securitization products, including real estate asset and asset backed securitization, and collateralized debt obligation services; monetary and property trust, as well as custodian services; financial consultancy services; and escrow services. The company was formerly known as Industrial Bank of Taiwan Co., Ltd. and changed its name to O-Bank Co., Ltd. in January 2017. O-Bank Co., Ltd. was founded in 1998 and is based in Taipei City, Taiwan.

CEO
Mr. Fangyuan Lee
Employee
1.477
Address
No. 99, Tiding Boulevard
Taipei, 114

O-Bank Co., Ltd. Executives & BODs

O-Bank Co., Ltd. Executives & BODs
# Name Age
1 Mr. Fangyuan Lee
President & Acting Chief Risk Officer
70
2 Ms. H. J. Fan
Senior Executive Vice President of Supervise Operation Management Division
70
3 Ms. C. L. Chao
Executive Vice President, Chief Compliance Officer & Supervises Legal & Compliance Division
70
4 Ms. L. W. Chang
Executive Vice President of Corporate Sustainability & Communications Division
70
5 Xing Bang Wang
Deputy General Manager of The Sales Department
70
6 Mr. Yi Feng Lin
Deputy President & Supervise Financial Business Division
70
7 Wei Shen Tang
Deputy General Manager of The Investment Department
70
8 H. I Liu
Senior Vice President & Financial Officer
70
9 Hsin Yi Tai
Accounting Officer
70
10 Mr. L. J. Lai
Executive Vice President of Supervise Risk Management Division
70

O-Bank Co., Ltd. Competitors