The Ogaki Kyoritsu Bank, Ltd. Logo

The Ogaki Kyoritsu Bank, Ltd.

8361.T

(1.8)
Stock Price

1.862,00 JPY

0.04% ROA

1.69% ROE

32.25x PER

Market Cap.

77.666.838.600,00 JPY

113.62% DER

3.75% Yield

4.32% NPM

The Ogaki Kyoritsu Bank, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.27x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (1.4%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.05%) 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

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

5 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

6 Buffet Intrinsic Value

The company's stock seems undervalued (90.383) 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 (425%), making it financially unstable and potentially risky for investors.

8 Revenue 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.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Assets Growth

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

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

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

The Ogaki Kyoritsu 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 Ogaki Kyoritsu Bank, Ltd. Revenue
Year Revenue Growth
2004 89.787.000.000
2005 91.485.000.000 1.86%
2006 102.733.000.000 10.95%
2007 100.259.000.000 -2.47%
2008 93.079.000.000 -7.71%
2009 92.790.000.000 -0.31%
2010 95.044.000.000 2.37%
2011 96.215.000.000 1.22%
2012 95.095.000.000 -1.18%
2013 94.093.000.000 -1.06%
2014 98.862.000.000 4.82%
2015 107.451.000.000 7.99%
2016 107.596.000.000 0.13%
2017 100.291.000.000 -7.28%
2018 103.775.000.000 3.36%
2019 103.680.000.000 -0.09%
2020 108.232.000.000 4.21%
2021 106.982.000.000 -1.17%
2022 109.448.000.000 2.25%
2023 111.276.000.000 1.64%

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 Ogaki Kyoritsu 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 Ogaki Kyoritsu Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 38.894.000.000
2005 40.783.000.000 4.63%
2006 40.481.000.000 -0.75%
2007 42.179.000.000 4.03%
2008 42.941.000.000 1.77%
2009 44.966.000.000 4.5%
2010 46.649.000.000 3.61%
2011 47.569.000.000 1.93%
2012 47.714.000.000 0.3%
2013 48.638.000.000 1.9%
2014 49.081.000.000 0.9%
2015 47.499.000.000 -3.33%
2016 49.677.000.000 4.38%
2017 51.900.000.000 4.28%
2018 49.286.000.000 -5.3%
2019 49.450.000.000 0.33%
2020 47.659.000.000 -3.76%
2021 46.352.000.000 -2.82%
2022 42.914.000.000 -8.01%
2023 42.336.000.000 -1.37%

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 Ogaki Kyoritsu Bank, Ltd. EBITDA
Year EBITDA Growth
2004 37.432.000.000
2005 48.497.000.000 22.82%
2006 44.912.000.000 -7.98%
2007 51.092.000.000 12.1%
2008 6.734.000.000 -658.72%
2009 29.379.000.000 77.08%
2010 26.683.000.000 -10.1%
2011 28.937.000.000 7.79%
2012 27.065.000.000 -6.92%
2013 26.793.000.000 -1.02%
2014 28.502.000.000 6%
2015 32.428.000.000 12.11%
2016 28.671.000.000 -13.1%
2017 26.075.000.000 -9.96%
2018 9.988.000.000 -161.06%
2019 9.006.000.000 -10.9%
2020 11.126.000.000 19.05%
2021 15.431.000.000 27.9%
2022 8.426.000.000 -83.14%
2023 -1.028.000.000 919.65%

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 Ogaki Kyoritsu Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 89.787.000.000
2005 91.485.000.000 1.86%
2006 102.733.000.000 10.95%
2007 100.259.000.000 -2.47%
2008 93.079.000.000 -7.71%
2009 92.790.000.000 -0.31%
2010 95.044.000.000 2.37%
2011 96.215.000.000 1.22%
2012 95.095.000.000 -1.18%
2013 94.093.000.000 -1.06%
2014 98.862.000.000 4.82%
2015 107.451.000.000 7.99%
2016 107.596.000.000 0.13%
2017 100.291.000.000 -7.28%
2018 103.775.000.000 3.36%
2019 103.680.000.000 -0.09%
2020 108.232.000.000 4.21%
2021 106.982.000.000 -1.17%
2022 109.448.000.000 2.25%
2023 111.276.000.000 1.64%

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 Ogaki Kyoritsu Bank, Ltd. Net Profit
Year Net Profit Growth
2004 7.589.000.000
2005 13.177.000.000 42.41%
2006 7.936.000.000 -66.04%
2007 7.186.000.000 -10.44%
2008 -7.247.000.000 199.16%
2009 9.095.000.000 179.68%
2010 8.322.000.000 -9.29%
2011 8.035.000.000 -3.57%
2012 10.003.000.000 19.67%
2013 9.568.000.000 -4.55%
2014 11.383.000.000 15.94%
2015 14.204.000.000 19.86%
2016 12.161.000.000 -16.8%
2017 9.673.000.000 -25.72%
2018 6.861.000.000 -40.99%
2019 5.498.000.000 -24.79%
2020 8.011.000.000 31.37%
2021 10.620.000.000 24.57%
2022 4.825.000.000 -120.1%
2023 -988.000.000 588.36%

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 Ogaki Kyoritsu Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 260
2005 449 42.19%
2006 263 -70.99%
2007 237 -10.55%
2008 -239 199.16%
2009 274 187.23%
2010 236 -16.1%
2011 228 -3.96%
2012 284 19.79%
2013 271 -4.43%
2014 324 16.36%
2015 409 20.59%
2016 344 -18.95%
2017 232 -48.48%
2018 164 -40.85%
2019 132 -25.19%
2020 192 31.41%
2021 255 24.8%
2022 116 -120.87%
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 Ogaki Kyoritsu Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 61.911.000.000
2005 44.000.000 -140606.82%
2006 -187.258.000.000 100.02%
2007 -51.704.000.000 -262.17%
2008 -23.631.000.000 -118.8%
2009 36.089.000.000 165.48%
2010 73.150.000.000 50.66%
2011 75.957.000.000 3.7%
2012 95.954.000.000 20.84%
2013 89.492.000.000 -7.22%
2014 8.704.000.000 -928.17%
2015 148.436.000.000 94.14%
2016 140.062.000.000 -5.98%
2017 -88.363.000.000 258.51%
2018 -33.009.000.000 -167.69%
2019 99.029.000.000 133.33%
2020 1.312.509.000.000 92.45%
2021 291.456.000.000 -350.33%
2022 -1.247.680.000.000 123.36%
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 Ogaki Kyoritsu Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 63.260.000.000
2005 2.539.000.000 -2391.53%
2006 -184.370.000.000 101.38%
2007 -48.508.000.000 -280.08%
2008 -20.088.000.000 -141.48%
2009 42.393.000.000 147.39%
2010 76.667.000.000 44.71%
2011 80.274.000.000 4.49%
2012 101.775.000.000 21.13%
2013 95.724.000.000 -6.32%
2014 14.066.000.000 -580.53%
2015 155.087.000.000 90.93%
2016 147.785.000.000 -4.94%
2017 -83.638.000.000 276.7%
2018 -29.894.000.000 -179.78%
2019 102.303.000.000 129.22%
2020 1.315.246.000.000 92.22%
2021 295.315.000.000 -345.37%
2022 -1.243.066.000.000 123.76%
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 Ogaki Kyoritsu Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 1.349.000.000
2005 2.495.000.000 45.93%
2006 2.888.000.000 13.61%
2007 3.196.000.000 9.64%
2008 3.543.000.000 9.79%
2009 6.304.000.000 43.8%
2010 3.517.000.000 -79.24%
2011 4.317.000.000 18.53%
2012 5.821.000.000 25.84%
2013 6.232.000.000 6.59%
2014 5.362.000.000 -16.23%
2015 6.651.000.000 19.38%
2016 7.723.000.000 13.88%
2017 4.725.000.000 -63.45%
2018 3.115.000.000 -51.69%
2019 3.274.000.000 4.86%
2020 2.737.000.000 -19.62%
2021 3.859.000.000 29.07%
2022 4.614.000.000 16.36%
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 Ogaki Kyoritsu Bank, Ltd. Equity
Year Equity Growth
2004 140.134.000.000
2005 185.860.000.000 24.6%
2006 196.699.000.000 5.51%
2007 165.352.000.000 -18.96%
2008 140.267.000.000 -17.88%
2009 177.652.000.000 21.04%
2010 177.456.000.000 -0.11%
2011 192.374.000.000 7.75%
2012 217.442.000.000 11.53%
2013 225.106.000.000 3.4%
2014 267.797.000.000 15.94%
2015 266.935.000.000 -0.32%
2016 293.825.000.000 9.15%
2017 309.227.000.000 4.98%
2018 309.674.000.000 0.14%
2019 297.808.000.000 -3.98%
2020 330.694.000.000 9.94%
2021 323.285.000.000 -2.29%
2022 288.072.000.000 -12.22%
2023 301.831.000.000 4.56%

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 Ogaki Kyoritsu Bank, Ltd. Assets
Year Assets Growth
2004 3.508.353.000.000
2005 3.674.497.000.000 4.52%
2006 3.717.510.000.000 1.16%
2007 3.748.627.000.000 0.83%
2008 3.841.493.000.000 2.42%
2009 4.017.787.000.000 4.39%
2010 4.193.145.000.000 4.18%
2011 4.337.597.000.000 3.33%
2012 4.595.170.000.000 5.61%
2013 4.875.484.000.000 5.75%
2014 5.157.765.000.000 5.47%
2015 5.389.402.000.000 4.3%
2016 5.692.484.000.000 5.32%
2017 5.754.276.000.000 1.07%
2018 5.833.869.000.000 1.36%
2019 5.983.075.000.000 2.49%
2020 7.450.778.000.000 19.7%
2021 7.721.232.000.000 3.5%
2022 6.671.147.000.000 -15.74%
2023 6.608.032.000.000 -0.96%

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 Ogaki Kyoritsu Bank, Ltd. Liabilities
Year Liabilities Growth
2004 3.362.554.000.000
2005 3.481.310.000.000 3.41%
2006 3.511.822.000.000 0.87%
2007 3.573.856.000.000 1.74%
2008 3.691.120.000.000 3.18%
2009 3.829.271.000.000 3.61%
2010 4.003.647.000.000 4.36%
2011 4.131.615.000.000 3.1%
2012 4.363.272.000.000 5.31%
2013 4.636.326.000.000 5.89%
2014 4.877.967.000.000 4.95%
2015 5.109.955.000.000 4.54%
2016 5.388.514.000.000 5.17%
2017 5.445.049.000.000 1.04%
2018 5.524.195.000.000 1.43%
2019 5.685.267.000.000 2.83%
2020 7.120.084.000.000 20.15%
2021 7.397.947.000.000 3.76%
2022 493.597.000.000 -1398.78%
2023 342.933.000.000 -43.93%

The Ogaki Kyoritsu Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2612.41
Net Income per Share
57.85
Price to Earning Ratio
32.25x
Price To Sales Ratio
0.71x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.26
EV to Sales
-0.95
EV Over EBITDA
-21.66
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
77,67 Bil.
Enterprise Value
-103,33 Bil.
Graham Number
3072.28
Graham NetNet
4348.3

Income Statement Metrics

Net Income per Share
57.85
Income Quality
0
ROE
0.01
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.6
EBT Per Ebit
1
Ebit per Revenue
0.07
Effective Tax Rate
0.4

Margins

Sales, General, & Administrative to Revenue
0.39
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.07
Pretax Profit Margin
0.07
Net Profit Margin
0.04

Dividends

Dividend Yield
0.04
Dividend Yield %
3.75
Payout Ratio
0
Dividend Per Share
70

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
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
12.587,19
Book Value per Share
7.251,43
Tangible Book Value per Share
150517.71
Shareholders Equity per Share
7251.43
Interest Debt per Share
8432.15
Debt to Equity
1.14
Debt to Assets
0.05
Net Debt to EBITDA
-37.94
Current Ratio
0
Tangible Asset Value
6.258,62 Bil.
Net Current Asset Value
180,99 Bil.
Invested Capital
1.14
Working Capital
523,93 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.42

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 Ogaki Kyoritsu Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 5 0%
2006 4 -25%
2007 7 42.86%
2008 7 0%
2009 7 0%
2010 7 0%
2011 7 0%
2012 7 0%
2013 7 0%
2014 7 0%
2015 7 0%
2016 5 -75%
2017 4 -33.33%
2018 70 95.71%
2019 70 0%
2020 70 0%
2021 70 0%
2022 70 0%
2023 70 0%
2024 0 0%

The Ogaki Kyoritsu Bank, Ltd. Profile

About The Ogaki Kyoritsu Bank, Ltd.

The Ogaki Kyoritsu Bank, Ltd., a regional financial institution, provides various banking products and services in Japan and internationally. The company also provides computing and software development services; research services on economy, industry, information processing technology, and culture; credit guarantee and investigation services; real estate collateral appraisal services; and credit card services; and bank agency services, as well as engages in the preparation, printing, receiving, and forwarding of documents. It is also involved in leasing and securities activities. It operates through 159 branches, including 155 domestic and 3 foreign branches. The company was incorporated in 1896 and is headquartered in Ogaki, Japan.

CEO
Mr. Toshiyuki Sakai
Employee
3.143
Address
98, Kuruwamachi 3-chome
Ogaki, 503-0887

The Ogaki Kyoritsu Bank, Ltd. Executives & BODs

The Ogaki Kyoritsu Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Ryuji Tokoro
GM of Secretariat & Standing Corporate Auditor
70
2 Mr. Toshiyuki Sakai
Chief Executive Officer, President & Director
70
3 Mr. Katsutoshi Goto
Senior Executive Officer & GM of Personnel Division
70
4 Mr. Satoshi Tsuchiya
MD & Director
70
5 Mr. Masayuki Nogami
MD & Director
70
6 Mr. Yoshinori Goto
Senior Executive Officer
70
7 Mr. Masaki Kakehi
MD & Director
70
8 Kanamori Yasushi
Senior Executive Officer
70
9 Mr. Takaharu Hayashi
MD & Director
70
10 Mr. Masayuki Ueno
Managing Director
70

The Ogaki Kyoritsu Bank, Ltd. Competitors