Fukuoka Financial Group, Inc. Logo

Fukuoka Financial Group, Inc.

8354.T

(2.8)
Stock Price

3.885,00 JPY

0.72% ROA

6.79% ROE

10.4x PER

Market Cap.

688.369.843.595,00 JPY

1034.2% DER

3.4% Yield

18.88% NPM

Fukuoka Financial Group, Inc. Stock Analysis

Fukuoka Financial Group, Inc. 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.

Fukuoka Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.74x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

4 ROE

ROE in an average range (3.52%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.1%) 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.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a 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

The company's stock presents an enticing opportunity as it appears undervalued (32.449) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The company has a high debt to equity ratio (571%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 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.

11 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

Fukuoka Financial Group, Inc. 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.

Fukuoka Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Fukuoka Financial Group, Inc. 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.

Fukuoka Financial Group, Inc. Revenue
Year Revenue Growth
2005 140.157.000.000
2006 143.431.000.000 2.28%
2007 214.380.000.000 33.09%
2008 219.392.000.000 2.28%
2009 207.893.000.000 -5.53%
2010 208.776.000.000 0.42%
2011 210.254.000.000 0.7%
2012 211.753.000.000 0.71%
2013 201.404.000.000 -5.14%
2014 189.861.000.000 -6.08%
2015 196.621.000.000 3.44%
2016 197.960.000.000 0.68%
2017 197.014.000.000 -0.48%
2018 202.682.000.000 2.8%
2019 231.466.000.000 12.44%
2020 237.219.000.000 2.43%
2021 244.462.000.000 2.96%
2022 261.357.000.000 6.46%
2023 263.968.000.000 0.99%
2023 403.520.000.000 34.58%
2024 424.248.000.000 4.89%

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.

Fukuoka Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2005 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.

Fukuoka Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 74.815.000.000
2006 74.247.000.000 -0.77%
2007 112.486.000.000 33.99%
2008 132.447.000.000 15.07%
2009 131.051.000.000 -1.07%
2010 127.652.000.000 -2.66%
2011 126.868.000.000 -0.62%
2012 125.191.000.000 -1.34%
2013 124.847.000.000 -0.28%
2014 121.725.000.000 -2.56%
2015 121.142.000.000 -0.48%
2016 223.904.000.000 45.9%
2017 120.179.000.000 -86.31%
2018 117.087.000.000 -2.64%
2019 154.951.000.000 24.44%
2020 150.284.000.000 -3.11%
2021 141.978.000.000 -5.85%
2022 140.677.000.000 -0.92%
2023 144.956.000.000 2.95%
2023 150.918.000.000 3.95%
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.

Fukuoka Financial Group, Inc. EBITDA
Year EBITDA Growth
2005 78.921.000.000
2006 90.581.000.000 12.87%
2007 82.698.000.000 -9.53%
2008 53.571.000.000 -54.37%
2009 79.398.000.000 32.53%
2010 94.100.000.000 15.62%
2011 66.044.000.000 -42.48%
2012 82.935.000.000 20.37%
2013 82.644.000.000 -0.35%
2014 85.831.000.000 3.71%
2015 97.041.000.000 11.55%
2016 -9.198.000.000 1155.02%
2017 99.435.000.000 109.25%
2018 73.695.000.000 -34.93%
2019 112.960.000.000 34.76%
2020 59.390.000.000 -90.2%
2021 75.122.000.000 20.94%
2022 45.106.000.000 -66.55%
2023 80.624.000.000 44.05%
2023 20.559.000.000 -292.16%
2024 36.000.000 -57008.33%

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.

Fukuoka Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2005 140.157.000.000
2006 143.431.000.000 2.28%
2007 214.380.000.000 33.09%
2008 219.392.000.000 2.28%
2009 207.893.000.000 -5.53%
2010 208.776.000.000 0.42%
2011 212.737.000.000 1.86%
2012 215.011.000.000 1.06%
2013 204.443.000.000 -5.17%
2014 192.587.000.000 -6.16%
2015 197.912.000.000 2.69%
2016 199.190.000.000 0.64%
2017 198.322.000.000 -0.44%
2018 202.682.000.000 2.15%
2019 231.466.000.000 12.44%
2020 237.219.000.000 2.43%
2021 244.462.000.000 2.96%
2022 261.357.000.000 6.46%
2023 263.968.000.000 0.99%
2023 398.703.000.000 33.79%
2024 424.248.000.000 6.02%

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.

Fukuoka Financial Group, Inc. Net Profit
Year Net Profit Growth
2005 31.425.000.000
2006 33.858.000.000 7.19%
2007 1.252.000.000 -2604.31%
2008 21.934.000.000 94.29%
2009 28.387.000.000 22.73%
2010 25.990.000.000 -9.22%
2011 28.176.000.000 7.76%
2012 32.059.000.000 12.11%
2013 36.192.000.000 11.42%
2014 36.595.000.000 1.1%
2015 44.718.000.000 18.16%
2016 -54.300.000.000 182.35%
2017 49.369.000.000 209.99%
2018 51.649.000.000 4.41%
2019 110.607.000.000 53.3%
2020 44.647.000.000 -147.74%
2021 54.118.000.000 17.5%
2022 31.152.000.000 -73.72%
2023 54.712.000.000 43.06%
2023 61.178.000.000 10.57%
2024 83.752.000.000 26.95%

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.

Fukuoka Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 244
2006 248 1.62%
2007 6 -4016.67%
2008 127 95.24%
2009 164 23.17%
2010 150 -10.07%
2011 163 8.59%
2012 185 11.89%
2013 209 11.48%
2014 211 0.95%
2015 259 18.22%
2016 -316 181.65%
2017 287 210.1%
2018 301 4.33%
2019 582 48.36%
2020 235 -148.29%
2021 285 17.61%
2022 166 -72.12%
2023 0 0%
2023 325 100%
2024 443 26.7%

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.

Fukuoka Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2005 362.475.000.000
2006 -130.059.000.000 378.7%
2007 -279.016.000.000 53.39%
2008 179.435.000.000 255.5%
2009 265.814.000.000 32.5%
2010 522.287.000.000 49.11%
2011 -207.405.000.000 351.82%
2012 -42.058.000.000 -393.14%
2013 748.214.000.000 105.62%
2014 978.834.000.000 23.56%
2015 302.175.000.000 -223.93%
2016 1.134.877.000.000 73.37%
2017 1.150.027.000.000 1.32%
2018 -14.801.000.000 7869.93%
2019 34.341.000.000 143.1%
2020 1.531.360.000.000 97.76%
2021 2.152.370.000.000 28.85%
2022 -130.063.000.000 1754.87%
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.

Fukuoka Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2005 362.475.000.000
2006 -120.499.000.000 400.81%
2007 -263.382.000.000 54.25%
2008 207.535.000.000 226.91%
2009 280.305.000.000 25.96%
2010 533.364.000.000 47.45%
2011 -196.113.000.000 371.97%
2012 -30.768.000.000 -537.39%
2013 758.784.000.000 104.05%
2014 989.644.000.000 23.33%
2015 315.044.000.000 -214.13%
2016 1.152.326.000.000 72.66%
2017 1.159.776.000.000 0.64%
2018 -5.725.000.000 20358.1%
2019 47.871.000.000 111.96%
2020 1.541.822.000.000 96.9%
2021 2.163.545.000.000 28.74%
2022 -111.261.000.000 2044.57%
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.

Fukuoka Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 9.560.000.000 100%
2007 15.634.000.000 38.85%
2008 28.100.000.000 44.36%
2009 14.491.000.000 -93.91%
2010 11.077.000.000 -30.82%
2011 11.292.000.000 1.9%
2012 11.290.000.000 -0.02%
2013 10.570.000.000 -6.81%
2014 10.810.000.000 2.22%
2015 12.869.000.000 16%
2016 17.449.000.000 26.25%
2017 9.749.000.000 -78.98%
2018 9.076.000.000 -7.42%
2019 13.530.000.000 32.92%
2020 10.462.000.000 -29.33%
2021 11.175.000.000 6.38%
2022 18.802.000.000 40.56%
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.

Fukuoka Financial Group, Inc. Equity
Year Equity Growth
2005 402.698.000.000
2006 502.505.000.000 19.86%
2007 592.516.000.000 15.19%
2008 589.941.000.000 -0.44%
2009 640.912.000.000 7.95%
2010 652.306.000.000 1.75%
2011 692.764.000.000 5.84%
2012 754.281.000.000 8.16%
2013 745.778.000.000 -1.14%
2014 778.092.000.000 4.15%
2015 784.689.000.000 0.84%
2016 712.056.000.000 -10.2%
2017 778.971.000.000 8.59%
2018 777.307.000.000 -0.21%
2019 853.060.000.000 8.88%
2020 958.832.000.000 11.03%
2021 941.064.000.000 -1.89%
2022 901.750.000.000 -4.36%
2023 897.594.000.000 -0.46%
2023 1.021.746.000.000 12.15%
2024 976.606.000.000 -4.62%

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.

Fukuoka Financial Group, Inc. Assets
Year Assets Growth
2005 7.715.610.000.000
2006 7.988.529.000.000 3.42%
2007 11.363.902.000.000 29.7%
2008 11.781.256.000.000 3.54%
2009 11.836.273.000.000 0.46%
2010 12.580.400.000.000 5.91%
2011 12.963.202.000.000 2.95%
2012 13.277.578.000.000 2.37%
2013 14.125.998.000.000 6.01%
2014 15.661.794.000.000 9.81%
2015 16.406.109.000.000 4.54%
2016 18.113.049.000.000 9.42%
2017 20.163.679.000.000 10.17%
2018 20.839.786.000.000 3.24%
2019 25.068.405.000.000 16.87%
2020 27.510.013.000.000 8.88%
2021 29.171.912.000.000 5.7%
2022 29.924.282.000.000 2.51%
2023 31.667.099.000.000 5.5%
2023 32.649.727.000.000 3.01%
2024 33.534.146.000.000 2.64%

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.

Fukuoka Financial Group, Inc. Liabilities
Year Liabilities Growth
2005 7.312.912.000.000
2006 7.486.024.000.000 2.31%
2007 10.771.386.000.000 30.5%
2008 11.191.315.000.000 3.75%
2009 11.195.361.000.000 0.04%
2010 11.928.094.000.000 6.14%
2011 12.270.438.000.000 2.79%
2012 12.523.297.000.000 2.02%
2013 13.380.220.000.000 6.4%
2014 14.883.702.000.000 10.1%
2015 15.621.420.000.000 4.72%
2016 17.400.993.000.000 10.23%
2017 19.384.708.000.000 10.23%
2018 20.062.479.000.000 3.38%
2019 24.215.345.000.000 17.15%
2020 26.551.181.000.000 8.8%
2021 28.230.848.000.000 5.95%
2022 4.236.683.000.000 -566.34%
2023 8.061.871.000.000 47.45%
2023 31.627.973.000.000 74.51%
2024 32.557.540.000.000 2.86%

Fukuoka Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1835.64
Net Income per Share
346.5
Price to Earning Ratio
10.4x
Price To Sales Ratio
1.98x
POCF Ratio
36.27
PFCF Ratio
36.63
Price to Book Ratio
0.7
EV to Sales
54.81
EV Over EBITDA
320.51
EV to Operating CashFlow
1012.19
EV to FreeCashFlow
1012.19
Earnings Yield
0.1
FreeCashFlow Yield
0.03
Market Cap
688,37 Bil.
Enterprise Value
19.019,02 Bil.
Graham Number
6345.17
Graham NetNet
-215769.4

Income Statement Metrics

Net Income per Share
346.5
Income Quality
0.31
ROE
0.07
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.78
EBT Per Ebit
1.56
Ebit per Revenue
0.15
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.33
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.99
Operating Profit Margin
0.15
Pretax Profit Margin
0.24
Net Profit Margin
0.19

Dividends

Dividend Yield
0.03
Dividend Yield %
3.4
Payout Ratio
0
Dividend Per Share
122.5

Operating Metrics

Operating Cashflow per Share
99.39
Free CashFlow per Share
99.39
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0
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
-43.553,65
Book Value per Share
5.165,84
Tangible Book Value per Share
-124372.56
Shareholders Equity per Share
5164.19
Interest Debt per Share
54016.73
Debt to Equity
10.34
Debt to Assets
0.3
Net Debt to EBITDA
308.91
Current Ratio
2.09
Tangible Asset Value
-23.512,74 Bil.
Net Current Asset Value
-24.218,00 Bil.
Invested Capital
29050037000000
Working Capital
4.344,13 Bil.
Intangibles to Total Assets
0.73
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
14.67

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.

Fukuoka Financial Group, Inc. Dividends
Year Dividends Growth
2007 5
2009 8 50%
2010 8 0%
2011 8 0%
2012 8 0%
2013 12 27.27%
2014 13 8.33%
2015 13 0%
2016 13 7.69%
2017 14 7.14%
2018 9 -55.56%
2019 85 89.41%
2020 85 0%
2021 90 5.56%
2022 100 10%
2023 110 9.09%
2024 123 9.84%
2025 0 0%

Fukuoka Financial Group, Inc. Profile

About Fukuoka Financial Group, Inc.

Fukuoka Financial Group, Inc., through its subsidiaries, provides various banking services to individual and corporate customers. The company accepts various deposits, such as current deposits, ordinary and other demand deposits, time deposits, and negotiable certificates of deposit, as well as provides loan products. It is also involved in securities, office work agent, loan guarantee, system development and operation, credit card, collateral valuation, credit management and collection, consulting, insurance, research and development, investments, and factoring businesses. In addition, the company engages in the movable property and lease of right; and provision of information processing and communications services businesses. As of March 31, 2021, it operated through a network of 428 branches in Japan and 8 offices internationally, as well as operated approximately 2,300 ATMs. Fukuoka Financial Group, Inc. was founded in 1877 and is headquartered in Fukuoka, Japan.

CEO
Mr. Hisashi Goto
Employee
7.995
Address
1-8-3, Otemon
Fukuoka City, 810-8693

Fukuoka Financial Group, Inc. Executives & BODs

Fukuoka Financial Group, Inc. Executives & BODs
# Name Age
1 Takehito Naruse
Executive Officer
70
2 Mr. Koji Tanikawa
Executive Officer
70
3 Mr. Hiroshi Miyoshi
Deputy President, Executive Officer & Director
70
4 Mitsuo Yamanaka
Executive Officer
70
5 Mr. Keiji Miyoshi
Executive Officer & GM of Corporate Planning Division
70
6 Mr. Nobuhiko Yamakawa
Executive Officer & Director
70
7 Mr. Hisashi Goto
President, Executive Officer & Director
70
8 Mr. Nagasuri Tomoya
IR Contact (Investor Division)
70
9 Mr. Syunsuke Yoshizawa
Executive Officer
70
10 Mr. Yuji Tagami
Executive Officer
70

Fukuoka Financial Group, Inc. Competitors