The Hyakugo Bank, Ltd. Logo

The Hyakugo Bank, Ltd.

8368.T

(3.0)
Stock Price

552,00 JPY

0.2% ROA

3.81% ROE

9.12x PER

Market Cap.

139.997.692.416,00 JPY

189.35% DER

2.54% Yield

16.16% NPM

The Hyakugo Bank, Ltd. Stock Analysis

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

With a remarkably low PBV ratio (0.34x), the stock offers substantial upside potential at a bargain price.

2 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

3 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (3.75%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.19%) 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 Revenue Growth

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

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.

9 Buffet Intrinsic Value

The company's stock seems undervalued (3.633) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 DER

The company has a high debt to equity ratio (246%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 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.

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

The Hyakugo 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 Hyakugo Bank, Ltd. Revenue
Year Revenue Growth
2004 80.926.000.000
2005 84.315.000.000 4.02%
2006 78.197.000.000 -7.82%
2007 81.126.000.000 3.61%
2008 80.921.000.000 -0.25%
2009 72.237.000.000 -12.02%
2010 72.554.000.000 0.44%
2011 76.186.000.000 4.77%
2012 73.808.000.000 -3.22%
2013 75.050.000.000 1.65%
2014 71.884.000.000 -4.4%
2015 73.921.000.000 2.76%
2016 74.400.000.000 0.64%
2017 80.553.000.000 7.64%
2018 77.022.000.000 -4.58%
2019 80.509.000.000 4.33%
2020 85.714.000.000 6.07%
2021 91.553.000.000 6.38%
2022 91.507.000.000 -0.05%
2023 99.524.000.000 8.06%

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 Hyakugo 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 Hyakugo Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 40.265.000.000
2005 40.714.000.000 1.1%
2006 41.488.000.000 1.87%
2007 41.635.000.000 0.35%
2008 46.266.000.000 10.01%
2009 47.143.000.000 1.86%
2010 48.131.000.000 2.05%
2011 47.257.000.000 -1.85%
2012 44.867.000.000 -5.33%
2013 44.236.000.000 -1.43%
2014 44.537.000.000 0.68%
2015 43.499.000.000 -2.39%
2016 45.317.000.000 4.01%
2017 45.041.000.000 -0.61%
2018 44.376.000.000 -1.5%
2019 44.422.000.000 0.1%
2020 44.607.000.000 0.41%
2021 42.769.000.000 -4.3%
2022 41.268.000.000 -3.64%
2023 42.568.000.000 3.05%

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 Hyakugo Bank, Ltd. EBITDA
Year EBITDA Growth
2004 29.869.000.000
2005 33.230.000.000 10.11%
2006 33.554.000.000 0.97%
2007 36.719.000.000 8.62%
2008 21.353.000.000 -71.96%
2009 23.140.000.000 7.72%
2010 22.056.000.000 -4.91%
2011 23.594.000.000 6.52%
2012 23.630.000.000 0.15%
2013 26.110.000.000 9.5%
2014 24.147.000.000 -8.13%
2015 27.935.000.000 13.56%
2016 20.422.000.000 -36.79%
2017 24.924.000.000 18.06%
2018 15.304.000.000 -62.86%
2019 15.665.000.000 2.3%
2020 18.265.000.000 14.23%
2021 18.908.000.000 3.4%
2022 20.457.000.000 7.57%
2023 18.420.000.000 -11.06%

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 Hyakugo Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 80.926.000.000
2005 84.315.000.000 4.02%
2006 78.197.000.000 -7.82%
2007 81.126.000.000 3.61%
2008 80.921.000.000 -0.25%
2009 72.237.000.000 -12.02%
2010 72.554.000.000 0.44%
2011 76.186.000.000 4.77%
2012 73.808.000.000 -3.22%
2013 75.050.000.000 1.65%
2014 71.884.000.000 -4.4%
2015 73.921.000.000 2.76%
2016 74.400.000.000 0.64%
2017 80.553.000.000 7.64%
2018 77.022.000.000 -4.58%
2019 80.509.000.000 4.33%
2020 85.714.000.000 6.07%
2021 91.553.000.000 6.38%
2022 91.507.000.000 -0.05%
2023 99.524.000.000 8.06%

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 Hyakugo Bank, Ltd. Net Profit
Year Net Profit Growth
2004 7.297.000.000
2005 11.526.000.000 36.69%
2006 9.680.000.000 -19.07%
2007 8.844.000.000 -9.45%
2008 3.804.000.000 -132.49%
2009 5.622.000.000 32.34%
2010 7.433.000.000 24.36%
2011 7.774.000.000 4.39%
2012 9.458.000.000 17.81%
2013 11.520.000.000 17.9%
2014 10.648.000.000 -8.19%
2015 13.634.000.000 21.9%
2016 9.040.000.000 -50.82%
2017 11.690.000.000 22.67%
2018 10.843.000.000 -7.81%
2019 11.427.000.000 5.11%
2020 12.965.000.000 11.86%
2021 13.402.000.000 3.26%
2022 14.493.000.000 7.53%
2023 12.956.000.000 -11.86%

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 Hyakugo Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 28
2005 44 38.64%
2006 37 -18.92%
2007 34 -12.12%
2008 15 -135.71%
2009 22 33.33%
2010 29 25%
2011 30 6.67%
2012 37 18.92%
2013 45 17.78%
2014 42 -9.76%
2015 54 22.64%
2016 36 -51.43%
2017 46 23.91%
2018 43 -9.52%
2019 45 6.67%
2020 51 11.76%
2021 53 1.92%
2022 57 8.77%
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 Hyakugo Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 80.697.000.000
2005 -3.032.000.000 2761.51%
2006 -93.279.000.000 96.75%
2007 -30.224.000.000 -208.63%
2008 -5.169.000.000 -484.72%
2009 180.918.000.000 102.86%
2010 123.911.000.000 -46.01%
2011 164.694.000.000 24.76%
2012 171.241.000.000 3.82%
2013 137.489.000.000 -24.55%
2014 75.773.000.000 -81.45%
2015 -14.003.000.000 641.12%
2016 83.300.000.000 116.81%
2017 8.252.000.000 -909.45%
2018 258.889.000.000 96.81%
2019 19.071.000.000 -1257.5%
2020 580.590.000.000 96.72%
2021 53.003.000.000 -995.39%
2022 -559.283.000.000 109.48%
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 Hyakugo Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 90.037.000.000
2005 5.990.000.000 -1403.12%
2006 -80.623.000.000 107.43%
2007 -18.049.000.000 -346.69%
2008 309.000.000 5941.1%
2009 185.646.000.000 99.83%
2010 127.237.000.000 -45.91%
2011 167.563.000.000 24.07%
2012 173.790.000.000 3.58%
2013 144.189.000.000 -20.53%
2014 84.843.000.000 -69.95%
2015 -5.259.000.000 1713.29%
2016 87.032.000.000 106.04%
2017 12.895.000.000 -574.93%
2018 262.437.000.000 95.09%
2019 22.815.000.000 -1050.28%
2020 583.737.000.000 96.09%
2021 55.952.000.000 -943.28%
2022 -556.447.000.000 110.06%
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 Hyakugo Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 9.340.000.000
2005 9.022.000.000 -3.52%
2006 12.656.000.000 28.71%
2007 12.175.000.000 -3.95%
2008 5.478.000.000 -122.25%
2009 4.728.000.000 -15.86%
2010 3.326.000.000 -42.15%
2011 2.869.000.000 -15.93%
2012 2.549.000.000 -12.55%
2013 6.700.000.000 61.96%
2014 9.070.000.000 26.13%
2015 8.744.000.000 -3.73%
2016 3.732.000.000 -134.3%
2017 4.643.000.000 19.62%
2018 3.548.000.000 -30.86%
2019 3.744.000.000 5.24%
2020 3.147.000.000 -18.97%
2021 2.949.000.000 -6.71%
2022 2.836.000.000 -3.98%
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 Hyakugo Bank, Ltd. Equity
Year Equity Growth
2004 212.264.000.000
2005 244.707.000.000 13.26%
2006 260.030.000.000 5.89%
2007 232.959.000.000 -11.62%
2008 203.092.000.000 -14.71%
2009 230.680.000.000 11.96%
2010 226.725.000.000 -1.74%
2011 241.778.000.000 6.23%
2012 274.541.000.000 11.93%
2013 289.614.000.000 5.2%
2014 349.007.000.000 17.02%
2015 327.127.000.000 -6.69%
2016 338.293.000.000 3.3%
2017 357.390.000.000 5.34%
2018 355.858.000.000 -0.43%
2019 331.954.000.000 -7.2%
2020 394.675.000.000 15.89%
2021 401.845.000.000 1.78%
2022 392.033.000.000 -2.5%
2023 424.961.000.000 7.75%

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 Hyakugo Bank, Ltd. Assets
Year Assets Growth
2004 3.708.305.000.000
2005 3.844.274.000.000 3.54%
2006 3.991.276.000.000 3.68%
2007 3.998.983.000.000 0.19%
2008 4.080.991.000.000 2.01%
2009 4.247.587.000.000 3.92%
2010 4.334.872.000.000 2.01%
2011 4.513.102.000.000 3.95%
2012 4.785.068.000.000 5.68%
2013 5.072.120.000.000 5.66%
2014 5.334.540.000.000 4.92%
2015 5.334.703.000.000 0%
2016 5.537.292.000.000 3.66%
2017 5.741.767.000.000 3.56%
2018 6.265.275.000.000 8.36%
2019 6.437.449.000.000 2.67%
2020 7.452.803.000.000 13.62%
2021 7.748.309.000.000 3.81%
2022 7.517.829.000.000 -3.07%
2023 7.570.479.000.000 0.7%

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 Hyakugo Bank, Ltd. Liabilities
Year Liabilities Growth
2004 3.491.870.000.000
2005 3.594.769.000.000 2.86%
2006 3.725.933.000.000 3.52%
2007 3.760.421.000.000 0.92%
2008 3.871.603.000.000 2.87%
2009 4.010.126.000.000 3.45%
2010 4.100.853.000.000 2.21%
2011 4.264.597.000.000 3.84%
2012 4.503.348.000.000 5.3%
2013 4.774.924.000.000 5.69%
2014 4.977.490.000.000 4.07%
2015 4.999.052.000.000 0.43%
2016 5.194.533.000.000 3.76%
2017 5.384.377.000.000 3.53%
2018 5.909.417.000.000 8.88%
2019 6.105.495.000.000 3.21%
2020 7.058.128.000.000 13.5%
2021 7.346.464.000.000 3.92%
2022 707.657.000.000 -938.14%
2023 804.646.000.000 12.05%

The Hyakugo Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
382.42
Net Income per Share
60.51
Price to Earning Ratio
9.12x
Price To Sales Ratio
1.44x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.33
EV to Sales
-2.41
EV Over EBITDA
-10.84
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
140,00 Bil.
Enterprise Value
-234,01 Bil.
Graham Number
1510.51
Graham NetNet
1474.89

Income Statement Metrics

Net Income per Share
60.51
Income Quality
0
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.71
EBT Per Ebit
1
Ebit per Revenue
0.23
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.43
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.23
Pretax Profit Margin
0.23
Net Profit Margin
0.16

Dividends

Dividend Yield
0.03
Dividend Yield %
2.54
Payout Ratio
0
Dividend Per Share
14

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
0.01
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
4.647,96
Book Value per Share
1.675,81
Tangible Book Value per Share
26680.63
Shareholders Equity per Share
1675.81
Interest Debt per Share
3208.81
Debt to Equity
1.89
Debt to Assets
0.11
Net Debt to EBITDA
-17.32
Current Ratio
0
Tangible Asset Value
6.763,02 Bil.
Net Current Asset Value
374,01 Bil.
Invested Capital
1.89
Working Capital
1.178,66 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.75

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 Hyakugo Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 6 16.67%
2006 7 14.29%
2007 7 0%
2008 5 -75%
2009 5 0%
2010 7 42.86%
2011 8 0%
2012 8 0%
2013 5 -75%
2014 8 50%
2015 8 0%
2016 8 0%
2017 8 0%
2018 5 -100%
2019 9 55.56%
2020 10 0%
2021 11 10%
2022 11 9.09%
2023 14 21.43%
2024 0 0%

The Hyakugo Bank, Ltd. Profile

About The Hyakugo Bank, Ltd.

The Hyakugo Bank, Ltd. provides various banking and financial services in Japan. The company also offers credit card and guarantee, leasing, regional industry survey and consulting-related, computer information processing, financial instruments transaction, cash examination and arrangement, collateralized real estate survey and appraisal, and employment placement and labor management services. In addition, it provides printing, storage, and administrative services for documents, account books, etc.; and management and administrative services for bank notes, bonds, etc. As of March 31, 2020, the company operated 85 branches and 30 sub-branches in Mie prefecture; 21 branches in Aichi prefectures; 1 branch in Wakayama prefecture; 2 branches in Tokyo and Osaka; and 3 representative offices in Singapore, Shanghai, and Bangkok, as well as 205 ATMs. The company was formerly known as 105th National Chartered Bank and changed its name to The Hyakugo Bank, Ltd. in 1897. The Hyakugo Bank, Ltd. was founded in 1878 and is headquartered in Tsu, Japan.

CEO
Mr. Masakazu Sugiura
Employee
2.846
Address
21-27, Iwata
Tsu, 514-8666

The Hyakugo Bank, Ltd. Executives & BODs

The Hyakugo Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Masakazu Sugiura
President & Chief Executive Officer and Representative Director
70
2 Mr. Nagahisa Kobayashi
Special Advisor & Independent Director
70
3 Mr. Masayuki Miyashita
Executive Officer & GM of Finance Department
70
4 Koji Kitazawa
Executive Officer, President of the Nakasei Branch and & Manager of Head Office
70
5 Yasuhisa Igarashi
Executive Officer & GM of Human Resources Department
70
6 Mr. Kei Yamazaki
Senior Managing Executive Officer & Representative Director
70
7 Mr. Masami Nambu
Managing Executive Officer & Director
70
8 Mr. Fujiwara Satoru
Managing Executive Officer, GM of Head Office Business Division & Director
70
9 Mr. Toshiyasu Ito
Executive Chairman
70
10 Ms. Yoriko Nakayama
IR contact in International Division
70

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