The Musashino Bank, Ltd. Logo

The Musashino Bank, Ltd.

8336.T

(2.2)
Stock Price

2.743,00 JPY

0.22% ROA

4.22% ROE

7.73x PER

Market Cap.

89.019.625.500,00 JPY

23.46% DER

3.72% Yield

14.65% NPM

The Musashino Bank, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.37x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

ROE in an average range (4.57%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.21%) 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.

4 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (18.771), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (105%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Assets 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 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

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

The Musashino 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 Musashino Bank, Ltd. Revenue
Year Revenue Growth
2004 69.718.000.000
2005 70.970.000.000 1.76%
2006 75.801.000.000 6.37%
2007 75.708.000.000 -0.12%
2008 74.986.000.000 -0.96%
2009 73.019.000.000 -2.69%
2010 70.054.000.000 -4.23%
2011 69.568.000.000 -0.7%
2012 69.440.000.000 -0.18%
2013 69.152.000.000 -0.42%
2014 68.388.000.000 -1.12%
2015 67.484.000.000 -1.34%
2016 64.894.000.000 -3.99%
2017 66.572.000.000 2.52%
2018 71.276.000.000 6.6%
2019 61.532.000.000 -15.84%
2020 66.125.000.000 6.95%
2021 66.099.000.000 -0.04%
2022 74.744.000.000 11.57%
2023 72.456.000.000 -3.16%

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 Musashino 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 Musashino Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 34.983.000.000
2005 36.335.000.000 3.72%
2006 36.269.000.000 -0.18%
2007 36.010.000.000 -0.72%
2008 37.381.000.000 3.67%
2009 37.833.000.000 1.19%
2010 37.137.000.000 -1.87%
2011 37.392.000.000 0.68%
2012 38.065.000.000 1.77%
2013 38.445.000.000 0.99%
2014 37.751.000.000 -1.84%
2015 36.206.000.000 -4.27%
2016 36.851.000.000 1.75%
2017 36.587.000.000 -0.72%
2018 34.923.000.000 -4.76%
2019 35.400.000.000 1.35%
2020 35.473.000.000 0.21%
2021 34.845.000.000 -1.8%
2022 35.886.000.000 2.9%
2023 36.668.000.000 2.13%

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 Musashino Bank, Ltd. EBITDA
Year EBITDA Growth
2004 17.986.000.000
2005 21.869.000.000 17.76%
2006 25.507.000.000 14.26%
2007 31.347.000.000 18.63%
2008 4.697.000.000 -567.38%
2009 18.503.000.000 74.61%
2010 22.930.000.000 19.31%
2011 25.934.000.000 11.58%
2012 24.758.000.000 -4.75%
2013 24.215.000.000 -2.24%
2014 27.287.000.000 11.26%
2015 25.554.000.000 -6.78%
2016 17.727.000.000 -44.15%
2017 20.492.000.000 13.49%
2018 10.886.000.000 -88.24%
2019 8.704.000.000 -25.07%
2020 12.793.000.000 31.96%
2021 13.418.000.000 4.66%
2022 15.544.000.000 13.68%
2023 16.672.000.000 6.77%

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 Musashino Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 69.718.000.000
2005 70.970.000.000 1.76%
2006 75.801.000.000 6.37%
2007 75.708.000.000 -0.12%
2008 74.986.000.000 -0.96%
2009 73.019.000.000 -2.69%
2010 70.054.000.000 -4.23%
2011 69.568.000.000 -0.7%
2012 69.440.000.000 -0.18%
2013 69.152.000.000 -0.42%
2014 68.388.000.000 -1.12%
2015 67.484.000.000 -1.34%
2016 64.894.000.000 -3.99%
2017 66.572.000.000 2.52%
2018 71.276.000.000 6.6%
2019 61.532.000.000 -15.84%
2020 66.125.000.000 6.95%
2021 66.099.000.000 -0.04%
2022 74.744.000.000 11.57%
2023 72.456.000.000 -3.16%

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 Musashino Bank, Ltd. Net Profit
Year Net Profit Growth
2004 8.631.000.000
2005 10.821.000.000 20.24%
2006 11.759.000.000 7.98%
2007 10.822.000.000 -8.66%
2008 -4.397.000.000 346.12%
2009 3.554.000.000 223.72%
2010 7.443.000.000 52.25%
2011 9.621.000.000 22.64%
2012 11.142.000.000 13.65%
2013 10.315.000.000 -8.02%
2014 14.467.000.000 28.7%
2015 12.563.000.000 -15.16%
2016 9.762.000.000 -28.69%
2017 10.917.000.000 10.58%
2018 5.345.000.000 -104.25%
2019 8.066.000.000 33.73%
2020 8.022.000.000 -0.55%
2021 9.001.000.000 10.88%
2022 10.865.000.000 17.16%
2023 12.900.000.000 15.78%

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 Musashino Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 274
2005 332 17.77%
2006 342 2.64%
2007 315 -8.6%
2008 -129 343.41%
2009 105 224.04%
2010 219 52.51%
2011 284 22.89%
2012 330 13.94%
2013 308 -7.49%
2014 431 28.77%
2015 375 -15.24%
2016 291 -28.52%
2017 326 10.46%
2018 160 -104.4%
2019 241 33.75%
2020 240 -0.42%
2021 269 10.82%
2022 325 17.28%
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 Musashino Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 1.868.000.000
2005 -8.164.000.000 122.88%
2006 -60.702.000.000 86.55%
2007 -87.022.000.000 30.25%
2008 -64.486.000.000 -34.95%
2009 88.447.000.000 172.91%
2010 166.709.000.000 46.95%
2011 63.389.000.000 -162.99%
2012 11.693.000.000 -442.11%
2013 21.689.000.000 46.09%
2014 14.121.000.000 -53.59%
2015 5.922.000.000 -138.45%
2016 105.186.000.000 94.37%
2017 -4.147.000.000 2636.44%
2018 28.588.000.000 114.51%
2019 22.043.000.000 -29.69%
2020 417.074.000.000 94.71%
2021 110.828.000.000 -276.33%
2022 -227.940.000.000 148.62%
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 Musashino Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 4.430.000.000
2005 -6.550.000.000 167.63%
2006 -59.873.000.000 89.06%
2007 -85.131.000.000 29.67%
2008 -62.590.000.000 -36.01%
2009 90.131.000.000 169.44%
2010 169.548.000.000 46.84%
2011 66.825.000.000 -153.72%
2012 15.728.000.000 -324.88%
2013 24.747.000.000 36.44%
2014 16.949.000.000 -46.01%
2015 9.219.000.000 -83.85%
2016 107.440.000.000 91.42%
2017 -1.310.000.000 8301.53%
2018 31.328.000.000 104.18%
2019 30.710.000.000 -2.01%
2020 425.702.000.000 92.79%
2021 124.330.000.000 -242.4%
2022 -225.615.000.000 155.11%
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 Musashino Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 2.562.000.000
2005 1.614.000.000 -58.74%
2006 829.000.000 -94.69%
2007 1.891.000.000 56.16%
2008 1.896.000.000 0.26%
2009 1.684.000.000 -12.59%
2010 2.839.000.000 40.68%
2011 3.436.000.000 17.37%
2012 4.035.000.000 14.85%
2013 3.058.000.000 -31.95%
2014 2.828.000.000 -8.13%
2015 3.297.000.000 14.23%
2016 2.254.000.000 -46.27%
2017 2.837.000.000 20.55%
2018 2.740.000.000 -3.54%
2019 8.667.000.000 68.39%
2020 8.628.000.000 -0.45%
2021 13.502.000.000 36.1%
2022 2.325.000.000 -480.73%
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 Musashino Bank, Ltd. Equity
Year Equity Growth
2004 121.204.000.000
2005 154.488.000.000 21.54%
2006 163.024.000.000 5.24%
2007 156.987.000.000 -3.85%
2008 144.467.000.000 -8.67%
2009 152.887.000.000 5.51%
2010 156.458.000.000 2.28%
2011 173.131.000.000 9.63%
2012 189.481.000.000 8.63%
2013 197.056.000.000 3.84%
2014 228.314.000.000 13.69%
2015 227.919.000.000 -0.17%
2016 233.742.000.000 2.49%
2017 247.041.000.000 5.38%
2018 239.212.000.000 -3.27%
2019 235.456.000.000 -1.6%
2020 249.177.000.000 5.51%
2021 250.551.000.000 0.55%
2022 252.915.000.000 0.93%
2023 256.714.000.000 1.48%

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 Musashino Bank, Ltd. Assets
Year Assets Growth
2004 3.042.885.000.000
2005 3.159.949.000.000 3.7%
2006 3.332.553.000.000 5.18%
2007 3.418.895.000.000 2.53%
2008 3.442.506.000.000 0.69%
2009 3.571.535.000.000 3.61%
2010 3.696.211.000.000 3.37%
2011 3.806.355.000.000 2.89%
2012 3.929.343.000.000 3.13%
2013 4.079.797.000.000 3.69%
2014 4.257.062.000.000 4.16%
2015 4.328.909.000.000 1.66%
2016 4.507.139.000.000 3.95%
2017 4.560.693.000.000 1.17%
2018 4.626.044.000.000 1.41%
2019 4.674.059.000.000 1.03%
2020 5.319.971.000.000 12.14%
2021 5.486.283.000.000 3.03%
2022 5.327.096.000.000 -2.99%
2023 5.328.917.000.000 0.03%

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 Musashino Bank, Ltd. Liabilities
Year Liabilities Growth
2004 2.919.683.000.000
2005 3.002.943.000.000 2.77%
2006 3.166.805.000.000 5.17%
2007 3.259.069.000.000 2.83%
2008 3.294.711.000.000 1.08%
2009 3.414.848.000.000 3.52%
2010 3.535.493.000.000 3.41%
2011 3.628.374.000.000 2.56%
2012 3.734.690.000.000 2.85%
2013 3.877.033.000.000 3.67%
2014 4.027.687.000.000 3.74%
2015 4.099.833.000.000 1.76%
2016 4.273.167.000.000 4.06%
2017 4.313.652.000.000 0.94%
2018 4.386.832.000.000 1.67%
2019 4.438.603.000.000 1.17%
2020 5.070.794.000.000 12.47%
2021 5.235.732.000.000 3.15%
2022 86.670.000.000 -5941%
2023 60.219.000.000 -43.92%

The Musashino Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2254.68
Net Income per Share
348.12
Price to Earning Ratio
7.73x
Price To Sales Ratio
1.18x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.35
EV to Sales
-2.17
EV Over EBITDA
-9.98
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
89,02 Bil.
Enterprise Value
-163,77 Bil.
Graham Number
7754.82
Graham NetNet
7561.47

Income Statement Metrics

Net Income per Share
348.12
Income Quality
0
ROE
0.05
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
1
Ebit per Revenue
0.21
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.48
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.21
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0.04
Dividend Yield %
3.72
Payout Ratio
0
Dividend Per Share
100

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
0.04
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
9.362,74
Book Value per Share
7.677,80
Tangible Book Value per Share
157597.6
Shareholders Equity per Share
7677.8
Interest Debt per Share
1928.22
Debt to Equity
0.23
Debt to Assets
0.01
Net Debt to EBITDA
-15.41
Current Ratio
0
Tangible Asset Value
5.263,76 Bil.
Net Current Asset Value
252,79 Bil.
Invested Capital
0.23
Working Capital
313,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.68

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 Musashino Bank, Ltd. Dividends
Year Dividends Growth
2001 50
2002 50 0%
2003 50 0%
2004 50 0%
2005 50 0%
2006 60 16.67%
2007 60 0%
2008 60 0%
2009 60 0%
2010 60 0%
2011 60 0%
2012 40 -50%
2013 75 46.67%
2014 80 6.25%
2015 80 0%
2016 50 -60%
2017 80 37.5%
2018 80 0%
2019 80 0%
2020 80 0%
2021 80 0%
2022 50 -60%
2023 100 50%
2024 0 0%

The Musashino Bank, Ltd. Profile

About The Musashino Bank, Ltd.

The Musashino Bank, Ltd., together with its subsidiaries, provides banking products and financial services in Japan. It offers deposits, loans, loan guarantees, and credit cards, as well as installment-payment, and auto and general leasing services. The company also engages in the development, sale, and maintenance of computer systems; research of regional economy; management support for venture businesses; holding of seminars; and outsourcing of operational business. In addition, it offers consultation and information services. As of March 31, 2021, the company operated 99 branches and 9 mortgage loan centers. The Musashino Bank, Ltd. was incorporated in 1952 and is headquartered in Saitama, Japan.

CEO
Mr. Kazumasa Nagahori
Employee
2.048
Address
10-8, Sakuragi-cho 1-chome
Saitama, 330-0854

The Musashino Bank, Ltd. Executives & BODs

The Musashino Bank, Ltd. Executives & BODs
# Name Age
1 Hiroyuki Kaneko
General Manager of Administrative Management Department
70
2 Seiichi Moriyama
General Manager of Sales Management Department
70
3 Hiroshi Amada
Managing Executive Officer
70
4 Manabu Okabe
Managing Executive Officer
70
5 Mr. . Koike
IR Contact
70
6 Mr. Takao Miyazaki
MD & Director
70
7 Mr. Kazumasa Nagahori
President & Representative Director
70
8 Mr. Toshiyuki Shirai
Senior MD & Representative Director
70
9 Mr. Ken Otomo
MD & Director
70
10 Mr. Tsutomu Kainuma
MD & Director
70

The Musashino Bank, Ltd. Competitors