The Gunma Bank, Ltd. Logo

The Gunma Bank, Ltd.

8334.T

(2.5)
Stock Price

942,10 JPY

0.28% ROA

5.76% ROE

9.7x PER

Market Cap.

274.426.676.670,00 JPY

235.05% DER

1.59% Yield

19.46% NPM

The Gunma Bank, Ltd. Stock Analysis

The Gunma 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.

The Gunma Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.55x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

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

3 ROE

ROE in an average range (5.66%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.28%) 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 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

6 Graham Number

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

7 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

8 Buffet Intrinsic Value

The company's stock seems undervalued (4.437) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (198%), making it financially unstable and potentially risky for investors.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

The Gunma 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.

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

The Gunma 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.

The Gunma Bank, Ltd. Revenue
Year Revenue Growth
2004 129.243.000.000
2005 127.104.000.000 -1.68%
2006 145.076.000.000 12.39%
2007 130.624.000.000 -11.06%
2008 127.068.000.000 -2.8%
2009 129.076.000.000 1.56%
2010 125.493.000.000 -2.86%
2011 119.725.000.000 -4.82%
2012 119.730.000.000 0%
2013 121.133.000.000 1.16%
2014 119.902.000.000 -1.03%
2015 123.057.000.000 2.56%
2016 130.867.000.000 5.97%
2017 135.309.000.000 3.28%
2018 133.768.000.000 -1.15%
2019 128.496.000.000 -4.1%
2020 132.574.000.000 3.08%
2021 140.102.000.000 5.37%
2022 152.606.000.000 8.19%
2023 156.980.000.000 2.79%

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.

The Gunma Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 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%

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.

The Gunma Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 53.462.000.000
2005 54.240.000.000 1.43%
2006 0 0%
2007 57.290.000.000 100%
2008 59.697.000.000 4.03%
2009 59.502.000.000 -0.33%
2010 59.786.000.000 0.48%
2011 60.385.000.000 0.99%
2012 59.435.000.000 -1.6%
2013 58.525.000.000 -1.55%
2014 59.079.000.000 0.94%
2015 57.472.000.000 -2.8%
2016 61.672.000.000 6.81%
2017 60.969.000.000 -1.15%
2018 59.111.000.000 -3.14%
2019 56.438.000.000 -4.74%
2020 57.461.000.000 1.78%
2021 55.503.000.000 -3.53%
2022 51.549.000.000 -7.67%
2023 50.816.000.000 -1.44%

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.

The Gunma Bank, Ltd. EBITDA
Year EBITDA Growth
2004 39.225.000.000
2005 67.348.000.000 41.76%
2006 75.715.000.000 11.05%
2007 78.649.000.000 3.73%
2008 38.150.000.000 -106.16%
2009 45.127.000.000 15.46%
2010 44.582.000.000 -1.22%
2011 40.917.000.000 -8.96%
2012 43.152.000.000 5.18%
2013 42.626.000.000 -1.23%
2014 48.761.000.000 12.58%
2015 53.207.000.000 8.36%
2016 47.833.000.000 -11.23%
2017 54.913.000.000 12.89%
2018 -444.000.000 12467.79%
2019 -561.000.000 20.86%
2020 -8.000.000 -6912.5%
2021 -1.383.000.000 99.42%
2022 -410.000.000 -237.32%
2023 27.804.000.000 101.47%

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.

The Gunma Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 129.243.000.000
2005 127.104.000.000 -1.68%
2006 145.076.000.000 12.39%
2007 130.624.000.000 -11.06%
2008 127.068.000.000 -2.8%
2009 129.076.000.000 1.56%
2010 125.493.000.000 -2.86%
2011 119.741.000.000 -4.8%
2012 119.763.000.000 0.02%
2013 121.183.000.000 1.17%
2014 119.919.000.000 -1.05%
2015 123.059.000.000 2.55%
2016 130.876.000.000 5.97%
2017 135.328.000.000 3.29%
2018 133.768.000.000 -1.17%
2019 128.496.000.000 -4.1%
2020 132.574.000.000 3.08%
2021 140.102.000.000 5.37%
2022 152.606.000.000 8.19%
2023 156.980.000.000 2.79%

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.

The Gunma Bank, Ltd. Net Profit
Year Net Profit Growth
2004 5.227.000.000
2005 15.997.000.000 67.33%
2006 19.132.000.000 16.39%
2007 20.560.000.000 6.95%
2008 10.989.000.000 -87.1%
2009 18.210.000.000 39.65%
2010 17.315.000.000 -5.17%
2011 18.739.000.000 7.6%
2012 20.604.000.000 9.05%
2013 19.894.000.000 -3.57%
2014 25.910.000.000 23.22%
2015 28.616.000.000 9.46%
2016 26.304.000.000 -8.79%
2017 28.366.000.000 7.27%
2018 23.321.000.000 -21.63%
2019 22.280.000.000 -4.67%
2020 13.501.000.000 -65.02%
2021 26.436.000.000 48.93%
2022 27.933.000.000 5.36%
2023 23.368.000.000 -19.54%

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.

The Gunma Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 10
2005 32 68.75%
2006 38 15.79%
2007 41 7.32%
2008 22 -86.36%
2009 37 38.89%
2010 35 -2.86%
2011 39 7.89%
2012 43 11.63%
2013 43 -2.38%
2014 56 25%
2015 64 11.11%
2016 59 -6.78%
2017 65 9.23%
2018 54 -20.37%
2019 53 -3.85%
2020 32 -62.5%
2021 63 49.21%
2022 68 7.35%
2023 0 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.

The Gunma Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 107.227.000.000
2005 31.951.000.000 -235.6%
2006 -57.701.000.000 155.37%
2007 183.513.000.000 131.44%
2008 -145.313.000.000 226.29%
2009 87.781.000.000 265.54%
2010 82.887.000.000 -5.9%
2011 33.843.000.000 -144.92%
2012 50.944.000.000 33.57%
2013 69.430.000.000 26.63%
2014 28.714.000.000 -141.8%
2015 43.776.000.000 34.41%
2016 168.623.000.000 74.04%
2017 -273.661.000.000 161.62%
2018 118.908.000.000 330.15%
2019 310.671.000.000 61.73%
2020 1.978.722.000.000 84.3%
2021 453.611.000.000 -336.22%
2022 -661.972.000.000 168.52%
2023 0 0%

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.

The Gunma Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 127.321.000.000
2005 49.705.000.000 -156.15%
2006 -33.488.000.000 248.43%
2007 204.776.000.000 116.35%
2008 -134.327.000.000 252.45%
2009 93.682.000.000 243.39%
2010 89.431.000.000 -4.75%
2011 40.682.000.000 -119.83%
2012 57.896.000.000 29.73%
2013 78.719.000.000 26.45%
2014 34.765.000.000 -126.43%
2015 49.820.000.000 30.22%
2016 177.143.000.000 71.88%
2017 -266.292.000.000 166.52%
2018 126.908.000.000 309.83%
2019 316.974.000.000 59.96%
2020 1.987.175.000.000 84.05%
2021 459.588.000.000 -332.38%
2022 -656.166.000.000 170.04%
2023 0 0%

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.

The Gunma Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 20.094.000.000
2005 17.754.000.000 -13.18%
2006 24.213.000.000 26.68%
2007 21.263.000.000 -13.87%
2008 10.986.000.000 -93.55%
2009 5.901.000.000 -86.17%
2010 6.544.000.000 9.83%
2011 6.839.000.000 4.31%
2012 6.952.000.000 1.63%
2013 9.289.000.000 25.16%
2014 6.051.000.000 -53.51%
2015 6.044.000.000 -0.12%
2016 8.520.000.000 29.06%
2017 7.369.000.000 -15.62%
2018 8.000.000.000 7.89%
2019 6.303.000.000 -26.92%
2020 8.453.000.000 25.43%
2021 5.977.000.000 -41.43%
2022 5.806.000.000 -2.95%
2023 0 0%

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.

The Gunma Bank, Ltd. Equity
Year Equity Growth
2004 316.271.000.000
2005 376.870.000.000 16.08%
2006 386.400.000.000 2.47%
2007 352.294.000.000 -9.68%
2008 323.538.000.000 -8.89%
2009 368.618.000.000 12.23%
2010 368.936.000.000 0.09%
2011 390.474.000.000 5.52%
2012 438.435.000.000 10.94%
2013 459.614.000.000 4.61%
2014 518.475.000.000 11.35%
2015 502.160.000.000 -3.25%
2016 520.481.000.000 3.52%
2017 536.611.000.000 3.01%
2018 531.957.000.000 -0.87%
2019 488.026.000.000 -9%
2020 548.091.000.000 10.96%
2021 529.255.000.000 -3.56%
2022 515.808.000.000 -2.61%
2023 522.393.000.000 1.26%

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.

The Gunma Bank, Ltd. Assets
Year Assets Growth
2004 5.822.175.000.000
2005 5.876.864.000.000 0.93%
2006 5.886.895.000.000 0.17%
2007 5.960.025.000.000 1.23%
2008 5.921.900.000.000 -0.64%
2009 6.167.831.000.000 3.99%
2010 6.227.645.000.000 0.96%
2011 6.460.737.000.000 3.61%
2012 6.844.847.000.000 5.61%
2013 7.141.671.000.000 4.16%
2014 7.550.949.000.000 5.42%
2015 7.631.510.000.000 1.06%
2016 7.986.598.000.000 4.45%
2017 8.004.790.000.000 0.23%
2018 8.140.134.000.000 1.66%
2019 8.416.864.000.000 3.29%
2020 10.615.756.000.000 20.71%
2021 11.148.539.000.000 4.78%
2022 10.662.300.000.000 -4.56%
2023 10.552.363.000.000 -1.04%

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.

The Gunma Bank, Ltd. Liabilities
Year Liabilities Growth
2004 5.503.358.000.000
2005 5.496.945.000.000 -0.12%
2006 5.495.866.000.000 -0.02%
2007 5.602.712.000.000 1.91%
2008 5.592.295.000.000 -0.19%
2009 5.792.253.000.000 3.45%
2010 5.850.100.000.000 0.99%
2011 6.060.161.000.000 3.47%
2012 6.399.092.000.000 5.3%
2013 6.673.874.000.000 4.12%
2014 7.027.416.000.000 5.03%
2015 7.123.786.000.000 1.35%
2016 7.460.420.000.000 4.51%
2017 7.468.179.000.000 0.1%
2018 7.608.177.000.000 1.84%
2019 7.928.838.000.000 4.04%
2020 10.067.665.000.000 21.24%
2021 10.619.284.000.000 5.19%
2022 10.146.492.000.000 -4.66%
2023 1.227.881.000.000 -726.34%

The Gunma Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
374.06
Net Income per Share
71.3
Price to Earning Ratio
9.7x
Price To Sales Ratio
1.8x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.54
EV to Sales
-1.8
EV Over EBITDA
-10.37
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
274,43 Bil.
Enterprise Value
-274,00 Bil.
Graham Number
1435.55
Graham NetNet
1348.54

Income Statement Metrics

Net Income per Share
71.3
Income Quality
0
ROE
0.06
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1
Ebit per Revenue
0.27
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.27
Pretax Profit Margin
0.27
Net Profit Margin
0.19

Dividends

Dividend Yield
0.02
Dividend Yield %
1.59
Payout Ratio
0
Dividend Per Share
11

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
4.367,80
Book Value per Share
1.284,52
Tangible Book Value per Share
22928.17
Shareholders Equity per Share
1284.52
Interest Debt per Share
3094.43
Debt to Equity
2.35
Debt to Assets
0.12
Net Debt to EBITDA
-20.75
Current Ratio
0
Tangible Asset Value
9.316,38 Bil.
Net Current Asset Value
548,43 Bil.
Invested Capital
2.35
Working Capital
1.776,31 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.47

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.

The Gunma Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 5 0%
2006 7 16.67%
2007 9 25%
2008 8 0%
2009 7 -14.29%
2010 8 0%
2011 10 30%
2012 9 -11.11%
2013 6 -80%
2014 10 44.44%
2015 12 25%
2016 13 0%
2017 12 0%
2018 13 7.69%
2019 13 0%
2020 13 0%
2021 14 7.14%
2022 15 6.67%
2023 11 -36.36%
2024 0 0%

The Gunma Bank, Ltd. Profile

About The Gunma Bank, Ltd.

The Gunma Bank, Ltd. provides various banking and financial products and services in Japan. The company engages in the fund management activities, including investment in securities and funding in the call market; and accepting deposits and negotiable certificates of deposit, as well as the provision of loans. It also provides securities investment, leasing, derivative transaction, and proprietary derivative trading services. The Gunma Bank, Ltd. was founded in 1932 and is based in Maebashi, Japan.

CEO
Mr. Nobuyuki Horie
Employee
3.061
Address
194, Motosojamachi
Maebashi, 371-8611

The Gunma Bank, Ltd. Executives & BODs

The Gunma Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Takeo Uchibori
MD & Director
70
2 Mr. Akihiko Fukai
President & Representative Director
70
3 Mr. Yasuaki Ishikawa
IR Contact (Senior Deputy General Manager)
70
4 Mr. Akihiro Goto
MD & Director
70
5 Noboyuki Kitamura
Managing Executive Officer & GM of Takasaki and Nishige Area
70
6 Atsushi Hirota
Managing Executive Officer of Kumagaya, Omiya & Keihin Osaka Area Management
70
7 Akihiko Horie
Senior Managing Executive Officer & GM of Sales Division
70
8 Mr. Tsutomu Takei
MD & Director
70
9 Mr. Nobuyuki Horie
Executive Chairman
70
10 Mr. Hiroyuki Irisawa
Senior MD & Director
70

The Gunma Bank, Ltd. Competitors