The 77 Bank, Ltd. Logo

The 77 Bank, Ltd.

8341.T

(2.8)
Stock Price

4.432,00 JPY

0.31% ROA

5.72% ROE

8.95x PER

Market Cap.

292.110.433.760,00 JPY

140.23% DER

3.49% Yield

23.26% NPM

The 77 Bank, Ltd. Stock Analysis

The 77 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 77 Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.49x), the stock offers substantial upside potential at a bargain price.

2 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past five years, consistently delivering higher returns to investors.

3 ROE

The stock's ROE falls within an average range (5.24%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.24%) 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 Revenue Growth

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

6 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

7 Graham Number

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

8 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (17.112), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 DER

The company has a high debt to equity ratio (207%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

The 77 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 77 Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

The 77 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 77 Bank, Ltd. Revenue
Year Revenue Growth
2004 106.352.000.000
2005 109.774.000.000 3.12%
2006 115.295.000.000 4.79%
2007 112.375.000.000 -2.6%
2008 127.034.000.000 11.54%
2009 105.956.000.000 -19.89%
2010 103.781.000.000 -2.1%
2011 107.174.000.000 3.17%
2012 100.438.000.000 -6.71%
2013 97.474.000.000 -3.04%
2014 99.187.000.000 1.73%
2015 99.213.000.000 0.03%
2016 95.576.000.000 -3.81%
2017 100.926.000.000 5.3%
2018 99.561.000.000 -1.37%
2019 108.238.000.000 8.02%
2020 112.218.000.000 3.55%
2021 112.072.000.000 -0.13%
2022 115.145.000.000 2.67%
2023 133.728.000.000 13.9%
2023 130.684.000.000 -2.33%
2024 173.516.000.000 24.68%

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 77 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%
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.

The 77 Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 59.817.000.000
2005 61.169.000.000 2.21%
2006 61.912.000.000 1.2%
2007 62.978.000.000 1.69%
2008 61.866.000.000 -1.8%
2009 62.290.000.000 0.68%
2010 61.594.000.000 -1.13%
2011 59.683.000.000 -3.2%
2012 56.994.000.000 -4.72%
2013 57.739.000.000 1.29%
2014 60.118.000.000 3.96%
2015 63.646.000.000 5.54%
2016 57.288.000.000 -11.1%
2017 57.745.000.000 0.79%
2018 58.735.000.000 1.69%
2019 58.141.000.000 -1.02%
2020 55.104.000.000 -5.51%
2021 54.075.000.000 -1.9%
2022 53.475.000.000 -1.12%
2023 54.196.000.000 1.33%
2023 54.384.000.000 0.35%
2024 50.576.000.000 -7.53%

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 77 Bank, Ltd. EBITDA
Year EBITDA Growth
2004 34.382.000.000
2005 36.182.000.000 4.97%
2006 41.366.000.000 12.53%
2007 51.083.000.000 19.02%
2008 31.972.000.000 -59.77%
2009 33.057.000.000 3.28%
2010 -16.545.000.000 299.8%
2011 35.984.000.000 145.98%
2012 28.567.000.000 -25.96%
2013 34.589.000.000 17.41%
2014 39.477.000.000 12.38%
2015 33.675.000.000 -17.23%
2016 29.261.000.000 -15.08%
2017 31.807.000.000 8%
2018 22.589.000.000 -40.81%
2019 26.174.000.000 13.7%
2020 24.822.000.000 -5.45%
2021 32.449.000.000 23.5%
2022 35.411.000.000 8.36%
2023 51.240.000.000 30.89%
2023 -34.000.000 150805.88%
2024 -4.000.000 -750%

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 77 Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 106.352.000.000
2005 109.774.000.000 3.12%
2006 115.295.000.000 4.79%
2007 112.375.000.000 -2.6%
2008 127.034.000.000 11.54%
2009 105.956.000.000 -19.89%
2010 103.781.000.000 -2.1%
2011 107.174.000.000 3.17%
2012 100.438.000.000 -6.71%
2013 97.474.000.000 -3.04%
2014 99.187.000.000 1.73%
2015 99.213.000.000 0.03%
2016 95.576.000.000 -3.81%
2017 100.926.000.000 5.3%
2018 99.561.000.000 -1.37%
2019 108.238.000.000 8.02%
2020 112.218.000.000 3.55%
2021 112.072.000.000 -0.13%
2022 115.145.000.000 2.67%
2023 133.728.000.000 13.9%
2023 130.839.000.000 -2.21%
2024 159.664.000.000 18.05%

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 77 Bank, Ltd. Net Profit
Year Net Profit Growth
2004 9.044.000.000
2005 9.415.000.000 3.94%
2006 10.261.000.000 8.24%
2007 12.321.000.000 16.72%
2008 7.724.000.000 -59.52%
2009 11.646.000.000 33.68%
2010 -30.458.000.000 138.24%
2011 10.690.000.000 384.92%
2012 12.446.000.000 14.11%
2013 15.059.000.000 17.35%
2014 17.049.000.000 11.67%
2015 15.857.000.000 -7.52%
2016 16.114.000.000 1.59%
2017 18.314.000.000 12.01%
2018 17.670.000.000 -3.64%
2019 18.261.000.000 3.24%
2020 16.468.000.000 -10.89%
2021 22.234.000.000 25.93%
2022 25.056.000.000 11.26%
2023 36.836.000.000 31.98%
2023 29.802.000.000 -23.6%
2024 45.256.000.000 34.15%

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 77 Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 118
2005 123 4.07%
2006 135 8.89%
2007 162 16.67%
2008 102 -60.4%
2009 154 33.99%
2010 -402 138.15%
2011 143 380.42%
2012 166 13.86%
2013 201 17.41%
2014 228 11.45%
2015 212 -7.58%
2016 216 1.86%
2017 247 12.6%
2018 238 -3.8%
2019 247 3.66%
2020 223 -10.81%
2021 301 26%
2022 339 11.24%
2023 0 0%
2023 402 100%
2024 611 34.1%

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 77 Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 253.885.000.000
2005 41.540.000.000 -511.18%
2006 -76.026.000.000 154.64%
2007 61.844.000.000 222.93%
2008 -24.473.000.000 352.7%
2009 179.372.000.000 113.64%
2010 345.580.000.000 48.1%
2011 1.048.762.000.000 67.05%
2012 293.776.000.000 -256.99%
2013 221.710.000.000 -32.5%
2014 -112.520.000.000 297.04%
2015 -156.361.000.000 28.04%
2016 67.446.000.000 331.83%
2017 -109.240.000.000 161.74%
2018 -196.892.000.000 44.52%
2019 13.427.000.000 1566.39%
2020 799.782.000.000 98.32%
2021 631.600.000.000 -26.63%
2022 -684.454.000.000 192.28%
2023 0 0%
2023 -18.471.000.000 100%
2024 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 77 Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 257.701.000.000
2005 44.242.000.000 -482.48%
2006 -60.352.000.000 173.31%
2007 79.091.000.000 176.31%
2008 -20.805.000.000 480.15%
2009 182.340.000.000 111.41%
2010 347.027.000.000 47.46%
2011 1.051.524.000.000 67%
2012 298.237.000.000 -252.58%
2013 227.669.000.000 -31%
2014 -107.370.000.000 312.04%
2015 -153.000.000.000 29.82%
2016 71.377.000.000 314.35%
2017 -105.188.000.000 167.86%
2018 -194.364.000.000 45.88%
2019 16.667.000.000 1266.16%
2020 804.407.000.000 97.93%
2021 633.980.000.000 -26.88%
2022 -681.807.000.000 192.99%
2023 0 0%
2023 -15.068.000.000 100%
2024 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 77 Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 3.816.000.000
2005 2.702.000.000 -41.23%
2006 15.674.000.000 82.76%
2007 17.247.000.000 9.12%
2008 3.668.000.000 -370.2%
2009 2.968.000.000 -23.58%
2010 1.447.000.000 -105.11%
2011 2.762.000.000 47.61%
2012 4.461.000.000 38.09%
2013 5.959.000.000 25.14%
2014 5.150.000.000 -15.71%
2015 3.361.000.000 -53.23%
2016 3.931.000.000 14.5%
2017 4.052.000.000 2.99%
2018 2.528.000.000 -60.28%
2019 3.240.000.000 21.98%
2020 4.625.000.000 29.95%
2021 2.380.000.000 -94.33%
2022 2.647.000.000 10.09%
2023 0 0%
2023 3.403.000.000 100%
2024 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 77 Bank, Ltd. Equity
Year Equity Growth
2004 340.843.000.000
2005 367.602.000.000 7.28%
2006 383.860.000.000 4.24%
2007 351.491.000.000 -9.21%
2008 301.962.000.000 -16.4%
2009 356.271.000.000 15.24%
2010 306.499.000.000 -16.24%
2011 318.013.000.000 3.62%
2012 367.531.000.000 13.47%
2013 397.010.000.000 7.43%
2014 472.027.000.000 15.89%
2015 452.310.000.000 -4.36%
2016 468.194.000.000 3.39%
2017 490.736.000.000 4.59%
2018 489.077.000.000 -0.34%
2019 447.435.000.000 -9.31%
2020 513.337.000.000 12.84%
2021 513.314.000.000 -0%
2022 504.487.000.000 -1.75%
2023 601.700.000.000 16.16%
2023 530.942.000.000 -13.33%
2024 595.723.000.000 10.87%

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 77 Bank, Ltd. Assets
Year Assets Growth
2004 5.616.224.000.000
2005 5.551.935.000.000 -1.16%
2006 5.647.770.000.000 1.7%
2007 5.659.213.000.000 0.2%
2008 5.644.253.000.000 -0.27%
2009 5.906.852.000.000 4.45%
2010 6.217.663.000.000 5%
2011 7.616.779.000.000 18.37%
2012 8.261.103.000.000 7.8%
2013 8.507.205.000.000 2.89%
2014 8.588.463.000.000 0.95%
2015 8.598.583.000.000 0.12%
2016 8.649.396.000.000 0.59%
2017 8.718.097.000.000 0.79%
2018 8.627.510.000.000 -1.05%
2019 8.770.037.000.000 1.63%
2020 9.839.581.000.000 10.87%
2021 10.688.166.000.000 7.94%
2022 10.200.848.000.000 -4.78%
2023 10.501.098.000.000 2.86%
2023 10.184.865.000.000 -3.1%
2024 10.577.550.000.000 3.71%

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 77 Bank, Ltd. Liabilities
Year Liabilities Growth
2004 5.275.381.000.000
2005 5.184.333.000.000 -1.76%
2006 5.263.910.000.000 1.51%
2007 5.307.722.000.000 0.83%
2008 5.342.291.000.000 0.65%
2009 5.550.581.000.000 3.75%
2010 5.911.164.000.000 6.1%
2011 7.298.766.000.000 19.01%
2012 7.893.572.000.000 7.54%
2013 8.110.195.000.000 2.67%
2014 8.116.436.000.000 0.08%
2015 8.146.273.000.000 0.37%
2016 8.181.202.000.000 0.43%
2017 8.227.361.000.000 0.56%
2018 8.138.433.000.000 -1.09%
2019 8.322.602.000.000 2.21%
2020 9.326.244.000.000 10.76%
2021 10.174.852.000.000 8.34%
2022 643.596.000.000 -1480.94%
2023 9.899.390.000.000 93.5%
2023 618.937.000.000 -1499.42%
2024 810.771.000.000 23.66%

The 77 Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1893.79
Net Income per Share
440.45
Price to Earning Ratio
8.95x
Price To Sales Ratio
2.08x
POCF Ratio
91.39
PFCF Ratio
91.46
Price to Book Ratio
0.49
EV to Sales
-2
EV Over EBITDA
-11.95
EV to Operating CashFlow
-87.68
EV to FreeCashFlow
-87.68
Earnings Yield
0.11
FreeCashFlow Yield
0.01
Market Cap
292,11 Bil.
Enterprise Value
-280,04 Bil.
Graham Number
8926.5
Graham NetNet
7722.29

Income Statement Metrics

Net Income per Share
440.45
Income Quality
0.1
ROE
0.06
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.68
EBT Per Ebit
1
Ebit per Revenue
0.34
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.34
Pretax Profit Margin
0.34
Net Profit Margin
0.23

Dividends

Dividend Yield
0.03
Dividend Yield %
3.49
Payout Ratio
0
Dividend Per Share
137.5

Operating Metrics

Operating Cashflow per Share
43.11
Free CashFlow per Share
43.11
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
18.665,33
Book Value per Share
131.822,89
Tangible Book Value per Share
131821.37
Shareholders Equity per Share
8040.51
Interest Debt per Share
11296.82
Debt to Equity
1.4
Debt to Assets
0.08
Net Debt to EBITDA
-24.42
Current Ratio
25.68
Tangible Asset Value
9.766,67 Bil.
Net Current Asset Value
572,15 Bil.
Invested Capital
1359528000000
Working Capital
1.329,06 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.86

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 77 Bank, Ltd. Dividends
Year Dividends Growth
2001 6
2002 6 0%
2003 6 0%
2004 6 0%
2005 6 0%
2006 6 0%
2007 8 14.29%
2008 7 0%
2009 7 0%
2010 7 0%
2011 6 -16.67%
2012 7 14.29%
2013 7 0%
2014 8 12.5%
2015 9 11.11%
2016 9 0%
2017 5 -80%
2018 45 88.89%
2019 50 10%
2020 50 0%
2021 53 3.85%
2022 80 35%
2023 105 23.81%
2024 138 23.36%
2025 0 0%

The 77 Bank, Ltd. Profile

About The 77 Bank, Ltd.

The 77 Bank, Ltd., together with its subsidiaries, provides banking products and services to domestic corporations, local government agencies, and corporate and individual customers in Japan. It offers various deposit products, such as liquid deposits or time deposits, foreign currency deposits, and demand deposits, as well as negotiable certificates of deposit; and various loans. The company also provides asset and liability management; debt securities, equity securities, and investment trusts; derivatives; credit risk management; credit cards; guaranty and credit investigation services; research study, consulting, and computer-based contract services; fund management; and leasing and other financial services. As of March 31, 2020, it had 143 branches. The company was founded in 1878 and is headquartered in Sendai, Japan.

CEO
Mr. Hidefumi Kobayashi
Employee
2.587
Address
3-20, Chuo 3-chome
Sendai, 980-8777

The 77 Bank, Ltd. Executives & BODs

The 77 Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Atsushi Shitoh
MD & Director
70
2 Shuichi Ibuka
MD & Director
70
3 Hiroshi Kitazono
Senior Executive Officer of General Affairs Department
70
4 Mr. Takuji Tabata
MD & Director
70
5 Mr. Hidefumi Kobayashi
President & Representative Director
70
6 Takashi Kuroda
MD, Human Resources Manager & Director
70
7 Mr. Makoto Igarashi
Senior MD & Representative Director
70
8 Mr. Yoshikazu Onodera
MD & Director
70
9 Hirokimi Fukushi
Senior Executive Officer & GM of Tokyo Branch
70
10 Kuniaki Endo
Senior Executive Officer and GM of Ishinomaki Branch, Kokumachi Branch & Shin-Nakazato Branch
70

The 77 Bank, Ltd. Competitors