The Bank of Iwate, Ltd. Logo

The Bank of Iwate, Ltd.

8345.T

(1.8)
Stock Price

2.758,00 JPY

0.78% ROA

2.52% ROE

8.12x PER

Market Cap.

39.503.239.825,00 JPY

119.11% DER

3.9% Yield

11.65% NPM

The Bank of Iwate, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.24x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (2.8%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.13%) 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.

4 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.

5 Dividend

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

6 Buffet Intrinsic Value

The company's stock seems undervalued (24.568) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (106%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 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.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

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.

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

The Bank of Iwate, 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 Bank of Iwate, Ltd. Revenue
Year Revenue Growth
2004 40.733.000.000
2005 40.754.000.000 0.05%
2006 41.689.000.000 2.24%
2007 44.843.000.000 7.03%
2008 45.650.000.000 1.77%
2009 43.594.000.000 -4.72%
2010 41.321.000.000 -5.5%
2011 41.179.000.000 -0.34%
2012 40.127.000.000 -2.62%
2013 39.869.000.000 -0.65%
2014 38.665.000.000 -3.11%
2015 41.481.000.000 6.79%
2016 41.418.000.000 -0.15%
2017 42.800.000.000 3.23%
2018 44.004.000.000 2.74%
2019 40.873.000.000 -7.66%
2020 41.047.000.000 0.42%
2021 40.082.000.000 -2.41%
2022 43.426.000.000 7.7%
2023 38.868.000.000 -11.73%
2023 42.222.000.000 7.94%
2024 46.760.000.000 9.7%

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 Bank of Iwate, 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 Bank of Iwate, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 28.421.000.000
2005 27.285.000.000 -4.16%
2006 27.818.000.000 1.92%
2007 28.032.000.000 0.76%
2008 28.291.000.000 0.92%
2009 27.934.000.000 -1.28%
2010 27.354.000.000 -2.12%
2011 27.257.000.000 -0.36%
2012 27.476.000.000 0.8%
2013 27.808.000.000 1.19%
2014 27.308.000.000 -1.83%
2015 26.361.000.000 -3.59%
2016 28.040.000.000 5.99%
2017 28.108.000.000 0.24%
2018 27.088.000.000 -3.77%
2019 26.214.000.000 -3.33%
2020 25.473.000.000 -2.91%
2021 24.852.000.000 -2.5%
2022 24.086.000.000 -3.18%
2023 24.416.000.000 1.35%
2023 24.554.000.000 0.56%
2024 0 0%

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 Bank of Iwate, Ltd. EBITDA
Year EBITDA Growth
2004 17.993.000.000
2005 20.322.000.000 11.46%
2006 15.639.000.000 -29.94%
2007 18.459.000.000 15.28%
2008 541.000.000 -3312.01%
2009 15.418.000.000 96.49%
2010 6.985.000.000 -120.73%
2011 14.012.000.000 50.15%
2012 14.950.000.000 6.27%
2013 16.546.000.000 9.65%
2014 15.471.000.000 -6.95%
2015 15.162.000.000 -2.04%
2016 16.352.000.000 7.28%
2017 11.385.000.000 -43.63%
2018 6.251.000.000 -82.13%
2019 5.229.000.000 -19.54%
2020 5.538.000.000 5.58%
2021 7.011.000.000 21.01%
2022 6.575.000.000 -6.63%
2023 8.856.000.000 25.76%
2023 -186.000.000 4861.29%
2024 1.768.000.000 110.52%

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 Bank of Iwate, Ltd. Gross Profit
Year Gross Profit Growth
2004 40.733.000.000
2005 40.754.000.000 0.05%
2006 41.689.000.000 2.24%
2007 44.843.000.000 7.03%
2008 45.650.000.000 1.77%
2009 43.594.000.000 -4.72%
2010 41.321.000.000 -5.5%
2011 41.179.000.000 -0.34%
2012 40.127.000.000 -2.62%
2013 39.869.000.000 -0.65%
2014 38.665.000.000 -3.11%
2015 41.488.000.000 6.8%
2016 41.422.000.000 -0.16%
2017 42.801.000.000 3.22%
2018 44.004.000.000 2.73%
2019 40.873.000.000 -7.66%
2020 41.047.000.000 0.42%
2021 40.082.000.000 -2.41%
2022 43.426.000.000 7.7%
2023 38.868.000.000 -11.73%
2023 42.222.000.000 7.94%
2024 46.760.000.000 9.7%

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 Bank of Iwate, Ltd. Net Profit
Year Net Profit Growth
2004 8.677.000.000
2005 8.712.000.000 0.4%
2006 6.132.000.000 -42.07%
2007 4.843.000.000 -26.62%
2008 -4.657.000.000 203.99%
2009 5.226.000.000 189.11%
2010 1.109.000.000 -371.24%
2011 4.906.000.000 77.4%
2012 6.415.000.000 23.52%
2013 7.720.000.000 16.9%
2014 7.354.000.000 -4.98%
2015 7.107.000.000 -3.48%
2016 10.152.000.000 29.99%
2017 5.523.000.000 -83.81%
2018 4.186.000.000 -31.94%
2019 3.784.000.000 -10.62%
2020 2.896.000.000 -30.66%
2021 4.126.000.000 29.81%
2022 5.381.000.000 23.32%
2023 6.120.000.000 12.08%
2023 4.225.000.000 -44.85%
2024 7.056.000.000 40.12%

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 Bank of Iwate, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 452
2005 456 0.88%
2006 326 -40.31%
2007 259 -25.97%
2008 -252 202.38%
2009 283 189.05%
2010 60 -371.67%
2011 267 77.44%
2012 349 23.78%
2013 429 18.65%
2014 414 -3.62%
2015 400 -3.5%
2016 568 29.45%
2017 277 -105.43%
2018 234 -18.45%
2019 212 -9.91%
2020 165 -29.27%
2021 236 30.21%
2022 310 24.19%
2023 0 0%
2023 246 100%
2024 413 40.68%

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 Bank of Iwate, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 -10.614.000.000
2005 -64.148.000.000 83.45%
2006 -61.554.000.000 -4.21%
2007 -8.338.000.000 -638.23%
2008 5.647.000.000 247.65%
2009 43.274.000.000 86.95%
2010 120.596.000.000 64.12%
2011 262.442.000.000 54.05%
2012 247.924.000.000 -5.86%
2013 49.893.000.000 -396.91%
2014 -36.343.000.000 237.28%
2015 42.893.000.000 184.73%
2016 118.255.000.000 63.73%
2017 -58.244.000.000 303.03%
2018 -74.354.000.000 21.67%
2019 -21.992.000.000 -238.1%
2020 238.171.000.000 109.23%
2021 40.263.000.000 -491.54%
2022 -112.722.000.000 135.72%
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 Bank of Iwate, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 -9.445.000.000
2005 -63.188.000.000 85.05%
2006 -60.105.000.000 -5.13%
2007 -6.225.000.000 -865.54%
2008 7.601.000.000 181.9%
2009 44.159.000.000 82.79%
2010 121.834.000.000 63.75%
2011 264.112.000.000 53.87%
2012 249.694.000.000 -5.77%
2013 51.633.000.000 -383.59%
2014 -34.716.000.000 248.73%
2015 44.565.000.000 177.9%
2016 120.621.000.000 63.05%
2017 -56.002.000.000 315.39%
2018 -72.957.000.000 23.24%
2019 -19.885.000.000 -266.89%
2020 240.018.000.000 108.28%
2021 43.234.000.000 -455.16%
2022 -111.700.000.000 138.71%
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 Bank of Iwate, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 1.169.000.000
2005 960.000.000 -21.77%
2006 1.449.000.000 33.75%
2007 2.113.000.000 31.42%
2008 1.954.000.000 -8.14%
2009 885.000.000 -120.79%
2010 1.238.000.000 28.51%
2011 1.670.000.000 25.87%
2012 1.770.000.000 5.65%
2013 1.740.000.000 -1.72%
2014 1.627.000.000 -6.95%
2015 1.672.000.000 2.69%
2016 2.366.000.000 29.33%
2017 2.242.000.000 -5.53%
2018 1.397.000.000 -60.49%
2019 2.107.000.000 33.7%
2020 1.847.000.000 -14.08%
2021 2.971.000.000 37.83%
2022 1.022.000.000 -190.7%
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 Bank of Iwate, Ltd. Equity
Year Equity Growth
2004 150.530.000.000
2005 164.710.000.000 8.61%
2006 0 0%
2007 150.048.000.000 100%
2008 121.645.000.000 -23.35%
2009 141.081.000.000 13.78%
2010 136.143.000.000 -3.63%
2011 146.834.000.000 7.28%
2012 167.958.000.000 12.58%
2013 170.573.000.000 1.53%
2014 192.691.000.000 11.48%
2015 193.095.000.000 0.21%
2016 198.286.000.000 2.62%
2017 203.376.000.000 2.5%
2018 200.942.000.000 -1.21%
2019 187.453.000.000 -7.2%
2020 201.629.000.000 7.03%
2021 193.562.000.000 -4.17%
2022 185.226.000.000 -4.5%
2023 185.549.000.000 0.17%
2023 199.436.000.000 6.96%
2024 193.983.000.000 -2.81%

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 Bank of Iwate, Ltd. Assets
Year Assets Growth
2004 2.366.234.000.000
2005 2.345.919.000.000 -0.87%
2006 2.373.030.000.000 1.14%
2007 2.378.642.000.000 0.24%
2008 2.421.970.000.000 1.79%
2009 2.528.473.000.000 4.21%
2010 2.592.622.000.000 2.47%
2011 3.177.007.000.000 18.39%
2012 3.507.307.000.000 9.42%
2013 3.516.784.000.000 0.27%
2014 3.545.984.000.000 0.82%
2015 3.514.347.000.000 -0.9%
2016 3.552.478.000.000 1.07%
2017 3.556.832.000.000 0.12%
2018 3.509.420.000.000 -1.35%
2019 3.485.537.000.000 -0.69%
2020 3.840.962.000.000 9.25%
2021 3.920.260.000.000 2.02%
2022 3.820.134.000.000 -2.62%
2023 3.802.044.000.000 -0.48%
2023 3.929.595.000.000 3.25%
2024 3.903.480.000.000 -0.67%

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 Bank of Iwate, Ltd. Liabilities
Year Liabilities Growth
2004 115.000.000
2005 163.000.000 29.45%
2006 20.155.000.000 99.19%
2007 40.286.000.000 49.97%
2008 55.759.000.000 27.75%
2009 43.936.000.000 -26.91%
2010 41.178.000.000 -6.7%
2011 42.448.000.000 2.99%
2012 10.724.000.000 -295.82%
2013 21.435.000.000 49.97%
2014 35.854.000.000 40.22%
2015 25.977.000.000 -38.02%
2016 30.930.000.000 16.01%
2017 26.563.000.000 -16.44%
2018 3.308.478.000.000 99.2%
2019 3.298.084.000.000 -0.32%
2020 3.639.333.000.000 9.38%
2021 3.726.698.000.000 2.34%
2022 172.528.000.000 -2060.05%
2023 145.958.000.000 -18.2%
2023 3.730.156.000.000 96.09%
2024 3.709.490.000.000 -0.56%

The Bank of Iwate, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2436.3
Net Income per Share
283.9
Price to Earning Ratio
8.12x
Price To Sales Ratio
0.95x
POCF Ratio
14.21
PFCF Ratio
14.26
Price to Book Ratio
0.2
EV to Sales
18.03
EV Over EBITDA
200.23
EV to Operating CashFlow
270.71
EV to FreeCashFlow
270.71
Earnings Yield
0.12
FreeCashFlow Yield
0.07
Market Cap
39,50 Bil.
Enterprise Value
749,87 Bil.
Graham Number
8519.19
Graham NetNet
-245345.63

Income Statement Metrics

Net Income per Share
283.9
Income Quality
0.66
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.65
EBT Per Ebit
1.45
Ebit per Revenue
0.12
Effective Tax Rate
0.35

Margins

Sales, General, & Administrative to Revenue
0.44
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.12
Pretax Profit Margin
0.18
Net Profit Margin
0.12

Dividends

Dividend Yield
0.04
Dividend Yield %
3.9
Payout Ratio
0
Dividend Per Share
90

Operating Metrics

Operating Cashflow per Share
162.24
Free CashFlow per Share
162.24
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
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
-28.073,95
Book Value per Share
11.362,35
Tangible Book Value per Share
-181044.99
Shareholders Equity per Share
11361.94
Interest Debt per Share
13569.81
Debt to Equity
1.19
Debt to Assets
0.06
Net Debt to EBITDA
189.68
Current Ratio
120.32
Tangible Asset Value
-3.090,99 Bil.
Net Current Asset Value
-3.180,56 Bil.
Invested Capital
3823305000000
Working Capital
524,54 Bil.
Intangibles to Total Assets
0.84
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.85

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 Bank of Iwate, Ltd. Dividends
Year Dividends Growth
2001 50
2002 30 -66.67%
2003 50 40%
2004 50 0%
2005 30 -66.67%
2006 40 25%
2007 60 33.33%
2008 60 0%
2009 60 0%
2010 60 0%
2011 60 0%
2012 60 0%
2013 35 -71.43%
2014 60 41.67%
2015 70 14.29%
2016 70 0%
2017 70 0%
2018 70 0%
2019 70 0%
2020 65 -7.69%
2021 60 -8.33%
2022 55 -9.09%
2023 85 35.29%
2024 90 5.56%
2025 0 0%

The Bank of Iwate, Ltd. Profile

About The Bank of Iwate, Ltd.

The Bank of Iwate, Ltd. provides various financial products and services in Japan. It operates in two segments, Commercial Banking Business and Leasing Business. The Commercial Banking Business segment consists of deposits, loans, securities investment, and foreign exchange operations. The Leasing Business segment offers financial leasing, and computer processing contract services. The company also trades in securities; and provides credit card and guarantee, as well as computerized accounting services. The company was formerly known as Iwate Shokusan Bank and changed its name to The Bank of Iwate, Ltd. in 1960. The Bank of Iwate, Ltd. was founded in 1932 and is headquartered in Morioka, Japan.

CEO
Mr. Toru Iwayama
Employee
1.366
Address
1-2-3, Chuodori
Morioka, 020-8688

The Bank of Iwate, Ltd. Executives & BODs

The Bank of Iwate, Ltd. Executives & BODs
# Name Age
1 Junya Sekimura
Managing Executive Officer & GM of Tokyo Office
70
2 Mr. Fumihiko Kikuchi
Managing Executive Officer & Director
70
3 Mr. Shinei Kishi
Managing Executive Officer, GM of Sales Strategy Department & Director
70
4 Mr. Kensei Ishikawa
Senior Managing Executive Officer & Director
70
5 Mr. Toru Iwayama
President & Representative Director
70
6 Kazuhiro Sugawara
Managing Executive Officer & Director
70

The Bank of Iwate, Ltd. Competitors