The Bank of Kyoto, Ltd. Logo

The Bank of Kyoto, Ltd.

8369.T

(2.5)
Stock Price

8.503,00 JPY

2.22% ROA

2.77% ROE

19.46x PER

Market Cap.

678.325.946.216,00 JPY

71.79% DER

2.9% Yield

26.13% NPM

The Bank of Kyoto, Ltd. Stock Analysis

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

With a remarkably low PBV ratio (0.62x), the stock offers substantial upside potential at a bargain price.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 ROE

ROE in an average range (2.83%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.24%) 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.

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

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (45.236), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (117%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

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 unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

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

The Bank of Kyoto, 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 Kyoto, Ltd. Revenue
Year Revenue Growth
2004 89.536.000.000
2005 94.982.000.000 5.73%
2006 97.924.000.000 3%
2007 104.792.000.000 6.55%
2008 114.565.000.000 8.53%
2009 105.671.000.000 -8.42%
2010 106.703.000.000 0.97%
2011 100.989.000.000 -5.66%
2012 98.275.000.000 -2.76%
2013 93.227.000.000 -5.41%
2014 101.272.000.000 7.94%
2015 99.450.000.000 -1.83%
2016 97.541.000.000 -1.96%
2017 97.193.000.000 -0.36%
2018 116.991.000.000 16.92%
2019 97.567.000.000 -19.91%
2020 98.058.000.000 0.5%
2021 118.371.000.000 17.16%
2022 110.843.000.000 -6.79%
2023 147.224.000.000 24.71%
2023 124.773.000.000 -17.99%
2024 178.520.000.000 30.11%

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 Kyoto, 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 Kyoto, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 48.810.000.000
2005 50.224.000.000 2.82%
2006 51.577.000.000 2.62%
2007 53.663.000.000 3.89%
2008 54.951.000.000 2.34%
2009 55.756.000.000 1.44%
2010 57.425.000.000 2.91%
2011 58.496.000.000 1.83%
2012 57.027.000.000 -2.58%
2013 58.939.000.000 3.24%
2014 60.671.000.000 2.85%
2015 58.919.000.000 -2.97%
2016 60.251.000.000 2.21%
2017 60.514.000.000 0.43%
2018 60.629.000.000 0.19%
2019 58.363.000.000 -3.88%
2020 56.905.000.000 -2.56%
2021 55.750.000.000 -2.07%
2022 56.159.000.000 0.73%
2023 58.096.000.000 3.33%
2023 58.064.000.000 -0.06%
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 Kyoto, Ltd. EBITDA
Year EBITDA Growth
2004 45.061.000.000
2005 47.023.000.000 4.17%
2006 41.150.000.000 -14.27%
2007 41.822.000.000 1.61%
2008 18.659.000.000 -124.14%
2009 30.935.000.000 39.68%
2010 38.473.000.000 19.59%
2011 31.749.000.000 -21.18%
2012 33.438.000.000 5.05%
2013 32.717.000.000 -2.2%
2014 40.818.000.000 19.85%
2015 38.250.000.000 -6.71%
2016 31.528.000.000 -21.32%
2017 32.534.000.000 3.09%
2018 49.057.000.000 33.68%
2019 32.290.000.000 -51.93%
2020 26.325.000.000 -22.66%
2021 31.545.000.000 16.55%
2022 40.845.000.000 22.77%
2023 80.304.000.000 49.14%
2023 3.287.000.000 -2343.08%
2024 3.568.000.000 7.88%

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 Kyoto, Ltd. Gross Profit
Year Gross Profit Growth
2004 89.536.000.000
2005 94.982.000.000 5.73%
2006 97.924.000.000 3%
2007 104.792.000.000 6.55%
2008 114.565.000.000 8.53%
2009 105.671.000.000 -8.42%
2010 106.703.000.000 0.97%
2011 100.989.000.000 -5.66%
2012 98.275.000.000 -2.76%
2013 93.227.000.000 -5.41%
2014 101.272.000.000 7.94%
2015 99.450.000.000 -1.83%
2016 97.541.000.000 -1.96%
2017 97.193.000.000 -0.36%
2018 116.991.000.000 16.92%
2019 97.567.000.000 -19.91%
2020 98.058.000.000 0.5%
2021 118.371.000.000 17.16%
2022 110.843.000.000 -6.79%
2023 147.224.000.000 24.71%
2023 124.773.000.000 -17.99%
2024 178.520.000.000 30.11%

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 Kyoto, Ltd. Net Profit
Year Net Profit Growth
2004 21.934.000.000
2005 23.157.000.000 5.28%
2006 20.355.000.000 -13.77%
2007 20.881.000.000 2.52%
2008 10.148.000.000 -105.76%
2009 15.668.000.000 35.23%
2010 18.379.000.000 14.75%
2011 15.560.000.000 -18.12%
2012 17.574.000.000 11.46%
2013 16.771.000.000 -4.79%
2014 21.276.000.000 21.17%
2015 21.322.000.000 0.22%
2016 18.601.000.000 -14.63%
2017 19.323.000.000 3.74%
2018 31.681.000.000 39.01%
2019 20.383.000.000 -55.43%
2020 16.860.000.000 -20.9%
2021 20.621.000.000 18.24%
2022 27.213.000.000 24.22%
2023 59.584.000.000 54.33%
2023 31.572.000.000 -88.72%
2024 67.756.000.000 53.4%

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 Kyoto, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 66
2005 68 2.94%
2006 58 -19.3%
2007 59 1.72%
2008 28 -107.14%
2009 42 33.33%
2010 49 12.5%
2011 41 -17.07%
2012 47 10.87%
2013 44 -4.55%
2014 56 21.43%
2015 56 0%
2016 246 77.24%
2017 256 3.53%
2018 106 -142.86%
2019 67 -56.72%
2020 56 -21.82%
2021 68 19.12%
2022 91 24.44%
2023 801 88.76%
2023 105 -662.86%
2024 232 54.55%

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 Kyoto, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 132.756.000.000
2005 113.817.000.000 -16.64%
2006 97.057.000.000 -17.27%
2007 371.703.000.000 73.89%
2008 243.060.000.000 -52.93%
2009 6.705.000.000 -3525.06%
2010 199.327.000.000 96.64%
2011 166.255.000.000 -19.89%
2012 104.224.000.000 -59.52%
2013 91.551.000.000 -13.84%
2014 131.151.000.000 30.19%
2015 -237.843.000.000 155.14%
2016 196.746.000.000 220.89%
2017 43.582.000.000 -351.44%
2018 20.942.000.000 -108.11%
2019 112.420.000.000 81.37%
2020 1.434.194.000.000 92.16%
2021 32.348.000.000 -4333.64%
2022 -1.416.834.000.000 102.28%
2023 1.726.000.000 82187.72%

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 Kyoto, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 137.799.000.000
2005 119.128.000.000 -15.67%
2006 106.536.000.000 -11.82%
2007 379.767.000.000 71.95%
2008 253.185.000.000 -50%
2009 12.992.000.000 -1848.78%
2010 208.554.000.000 93.77%
2011 174.211.000.000 -19.71%
2012 111.063.000.000 -56.86%
2013 104.777.000.000 -6%
2014 134.352.000.000 22.01%
2015 -233.892.000.000 157.44%
2016 200.727.000.000 216.52%
2017 46.997.000.000 -327.11%
2018 24.716.000.000 -90.15%
2019 115.379.000.000 78.58%
2020 1.437.527.000.000 91.97%
2021 37.289.000.000 -3755.1%
2022 -1.414.129.000.000 102.64%
2023 1.726.000.000 82031%

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 Kyoto, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 5.043.000.000
2005 5.311.000.000 5.05%
2006 9.479.000.000 43.97%
2007 8.064.000.000 -17.55%
2008 10.125.000.000 20.36%
2009 6.287.000.000 -61.05%
2010 9.227.000.000 31.86%
2011 7.956.000.000 -15.98%
2012 6.839.000.000 -16.33%
2013 13.226.000.000 48.29%
2014 3.201.000.000 -313.18%
2015 3.951.000.000 18.98%
2016 3.981.000.000 0.75%
2017 3.415.000.000 -16.57%
2018 3.774.000.000 9.51%
2019 2.959.000.000 -27.54%
2020 3.333.000.000 11.22%
2021 4.941.000.000 32.54%
2022 2.705.000.000 -82.66%
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 Kyoto, Ltd. Equity
Year Equity Growth
2004 311.734.000.000
2005 408.670.000.000 23.72%
2006 485.216.000.000 15.78%
2007 497.953.000.000 2.56%
2008 365.160.000.000 -36.37%
2009 485.706.000.000 24.82%
2010 447.806.000.000 -8.46%
2011 428.960.000.000 -4.39%
2012 463.072.000.000 7.37%
2013 545.649.000.000 15.13%
2014 695.807.000.000 21.58%
2015 653.050.000.000 -6.55%
2016 766.292.000.000 14.78%
2017 932.363.000.000 17.81%
2018 850.932.000.000 -9.57%
2019 834.985.000.000 -1.91%
2020 1.168.150.000.000 28.52%
2021 1.090.314.000.000 -7.14%
2022 992.375.000.000 -9.87%
2023 1.141.082.000.000 13.03%
2023 1.110.776.000.000 -2.73%
2024 1.161.661.000.000 4.38%

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 Kyoto, Ltd. Assets
Year Assets Growth
2004 5.348.337.000.000
2005 5.882.193.000.000 9.08%
2006 6.439.641.000.000 8.66%
2007 6.637.353.000.000 2.98%
2008 6.684.532.000.000 0.71%
2009 7.115.290.000.000 6.05%
2010 7.285.838.000.000 2.34%
2011 7.359.323.000.000 1%
2012 7.626.868.000.000 3.51%
2013 7.893.834.000.000 3.38%
2014 8.255.301.000.000 4.38%
2015 8.154.418.000.000 -1.24%
2016 8.899.400.000.000 8.37%
2017 9.478.592.000.000 6.11%
2018 9.665.127.000.000 1.93%
2019 10.078.463.000.000 4.1%
2020 12.273.908.000.000 17.89%
2021 12.210.967.000.000 -0.52%
2022 11.037.611.000.000 -10.63%
2023 11.576.552.000.000 4.66%
2023 11.251.841.000.000 -2.89%
2024 11.767.240.000.000 4.38%

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 Kyoto, Ltd. Liabilities
Year Liabilities Growth
2004 116.917.000.000
2005 115.461.000.000 -1.26%
2006 151.664.000.000 23.87%
2007 168.637.000.000 10.06%
2008 170.299.000.000 0.98%
2009 111.390.000.000 -52.89%
2010 137.845.000.000 19.19%
2011 134.912.000.000 -2.17%
2012 138.111.000.000 2.32%
2013 137.657.000.000 -0.33%
2014 75.236.000.000 -82.97%
2015 74.884.000.000 -0.47%
2016 141.795.000.000 47.19%
2017 136.701.000.000 -3.73%
2018 68.449.000.000 -99.71%
2019 523.512.000.000 86.93%
2020 1.571.806.000.000 66.69%
2021 1.321.852.000.000 -18.91%
2022 258.264.000.000 -411.82%
2023 10.435.464.000.000 97.53%
2023 163.483.000.000 -6283.21%
2024 10.605.571.000.000 98.46%

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

Valuation Metrics

Revenue per Share
430.88
Net Income per Share
115.06
Price to Earning Ratio
19.46x
Price To Sales Ratio
5.39x
POCF Ratio
133.85
PFCF Ratio
138.83
Price to Book Ratio
0.56
EV to Sales
18.42
EV Over EBITDA
91.08
EV to Operating CashFlow
474.51
EV to FreeCashFlow
474.51
Earnings Yield
0.05
FreeCashFlow Yield
0.01
Market Cap
678,33 Bil.
Enterprise Value
2.318,47 Bil.
Graham Number
3208.28
Graham NetNet
-39059.4

Income Statement Metrics

Net Income per Share
115.06
Income Quality
0.15
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.73
EBT Per Ebit
1
Ebit per Revenue
0.36
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.35
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.36
Pretax Profit Margin
0.36
Net Profit Margin
0.26

Dividends

Dividend Yield
0.03
Dividend Yield %
2.9
Payout Ratio
0
Dividend Per Share
65

Operating Metrics

Operating Cashflow per Share
16.72
Free CashFlow per Share
16.72
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0.02
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
-2.759,27
Book Value per Share
3.976,09
Tangible Book Value per Share
-31118.81
Shareholders Equity per Share
3976.07
Interest Debt per Share
2882.46
Debt to Equity
0.72
Debt to Assets
0.07
Net Debt to EBITDA
64.43
Current Ratio
2.29
Tangible Asset Value
-9.091,78 Bil.
Net Current Asset Value
-9.371,10 Bil.
Invested Capital
11025705000000
Working Capital
695,38 Bil.
Intangibles to Total Assets
0.87
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.23

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 Kyoto, Ltd. Dividends
Year Dividends Growth
2001 4
2002 5 40%
2003 5 0%
2004 6 16.67%
2005 8 14.29%
2006 9 22.22%
2007 10 10%
2008 10 0%
2009 10 0%
2010 10 0%
2011 6 -66.67%
2012 10 40%
2013 10 0%
2014 12 16.67%
2015 12 0%
2016 12 0%
2017 7 -71.43%
2018 60 88.33%
2019 70 14.29%
2020 60 -16.67%
2021 35 -71.43%
2022 115 69.57%
2023 80 -43.75%

The Bank of Kyoto, Ltd. Profile

About The Bank of Kyoto, Ltd.

The Bank of Kyoto, Ltd., together with its subsidiaries, provides various banking products and services for individuals and corporations in Japan. It accepts various deposits, such as current, ordinary, savings, time, and other deposits, as well as deposits at notice and negotiable certificates of deposit; and offers lending services. The company also provides trust, securities trading and investment, domestic and foreign exchange, research and business consulting services, etc.; and other financial services, such as credit guarantees, leasing and investment, and credit card services, as well as financial intermediary services. As of March 31, 2021, it operated 174 branches in Kyoto, Osaka, Shiga, Nara, Hyogo, Aichi, and Tokyo. The company was incorporated in 1941 and is headquartered in Kyoto, Japan.

CEO
Mr. Mikiya Yasui
Employee
3.474
Address
700, Yakushimae-cho
Kyoto, 600-8652

The Bank of Kyoto, Ltd. Executives & BODs

The Bank of Kyoto, Ltd. Executives & BODs
# Name Age
1 Kenji Hashi
Managing Executive Officer
70
2 Ms. Minako Okuno
Executive Officer, GM of Public & Regional Affairs Division and Director
70
3 Hiroyuki Tsuji
Managing Executive Officer
70
4 Takashi Kawasaki
Managing Executive Officer
70
5 Motoyoshi Tanaka
Managing Executive Officer
70
6 Kazuhiro Waki
Managing Executive Officer
70
7 Mr. Toshiro Iwahashi
MD & Director
70
8 Minoru Wada
Managing Executive Officer
70
9 Mr. Nobuhiro Doi
Pres & Chairman
70
10 Mr. Takeshi Osumi
Mang. IR
70
11 Mr. Hiroshi Hitomi
Senior Managing Director
70
12 Hiroshi Nishimura
Managing Executive Officer
70

The Bank of Kyoto, Ltd. Competitors