The Chugoku Bank, Limited Logo

The Chugoku Bank, Limited

8382.T

(2.0)
Stock Price

913,00 JPY

0.18% ROA

3.3% ROE

9.35x PER

Market Cap.

0,00 JPY

155.1% DER

0% Yield

15.34% NPM

The Chugoku Bank, Limited Stock Analysis

The Chugoku Bank, Limited 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 Chugoku Bank, Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.32x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

ROE in an average range (1.63%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.09%) 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.

4 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

5 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

6 Graham Number

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

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (10.968), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 DER

The stock is burdened with a heavy load of debt (142%), making it financially unstable and potentially risky for investors.

9 Assets 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.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

The Chugoku Bank, Limited 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 Chugoku Bank, Limited Technical Stock Analysis
# Analysis Recommendation

The Chugoku Bank, Limited 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 Chugoku Bank, Limited Revenue
Year Revenue Growth
2005 111.179.000.000
2006 118.777.000.000 6.4%
2007 132.517.000.000 10.37%
2008 132.277.000.000 -0.18%
2009 133.504.000.000 0.92%
2010 120.575.000.000 -10.72%
2011 123.760.000.000 2.57%
2012 121.005.000.000 -2.28%
2013 107.457.000.000 -12.61%
2014 112.210.000.000 4.24%
2015 113.852.000.000 1.44%
2016 113.832.000.000 -0.02%
2017 127.574.000.000 10.77%
2018 112.783.000.000 -13.11%
2019 107.102.000.000 -5.3%
2020 104.489.000.000 -2.5%
2021 105.789.000.000 1.23%
2022 119.821.000.000 11.71%
2023 203.412.000.000 41.09%

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 Chugoku Bank, Limited 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%

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 Chugoku Bank, Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 53.393.000.000
2006 55.141.000.000 3.17%
2007 57.706.000.000 4.44%
2008 57.856.000.000 0.26%
2009 58.656.000.000 1.36%
2010 58.755.000.000 0.17%
2011 60.449.000.000 2.8%
2012 60.041.000.000 -0.68%
2013 58.774.000.000 -2.16%
2014 58.091.000.000 -1.18%
2015 59.141.000.000 1.78%
2016 57.426.000.000 -2.99%
2017 58.447.000.000 1.75%
2018 60.712.000.000 3.73%
2019 58.947.000.000 -2.99%
2020 58.212.000.000 -1.26%
2021 57.285.000.000 -1.62%
2022 56.109.000.000 -2.1%
2023 56.528.000.000 0.74%

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 Chugoku Bank, Limited EBITDA
Year EBITDA Growth
2005 51.573.000.000
2006 51.544.000.000 -0.06%
2007 63.172.000.000 18.41%
2008 67.534.000.000 6.46%
2009 36.165.000.000 -86.74%
2010 32.256.000.000 -12.12%
2011 18.806.000.000 -71.52%
2012 48.619.000.000 61.32%
2013 38.719.000.000 -25.57%
2014 55.448.000.000 30.17%
2015 49.309.000.000 -12.45%
2016 53.203.000.000 7.32%
2017 45.486.000.000 -16.97%
2018 48.891.000.000 6.96%
2019 44.980.000.000 -8.69%
2020 39.742.000.000 -13.18%
2021 32.287.000.000 -23.09%
2022 35.124.000.000 8.08%
2023 58.964.000.000 40.43%

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 Chugoku Bank, Limited Gross Profit
Year Gross Profit Growth
2005 111.179.000.000
2006 118.777.000.000 6.4%
2007 132.517.000.000 10.37%
2008 132.277.000.000 -0.18%
2009 133.504.000.000 0.92%
2010 120.575.000.000 -10.72%
2011 123.760.000.000 2.57%
2012 121.005.000.000 -2.28%
2013 107.457.000.000 -12.61%
2014 112.210.000.000 4.24%
2015 113.852.000.000 1.44%
2016 113.832.000.000 -0.02%
2017 127.574.000.000 10.77%
2018 112.783.000.000 -13.11%
2019 107.102.000.000 -5.3%
2020 104.489.000.000 -2.5%
2021 105.789.000.000 1.23%
2022 119.821.000.000 11.71%
2023 203.412.000.000 41.09%

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 Chugoku Bank, Limited Net Profit
Year Net Profit Growth
2005 17.923.000.000
2006 15.524.000.000 -15.45%
2007 18.772.000.000 17.3%
2008 18.567.000.000 -1.1%
2009 8.309.000.000 -123.46%
2010 10.255.000.000 18.98%
2011 4.361.000.000 -135.15%
2012 19.067.000.000 77.13%
2013 18.426.000.000 -3.48%
2014 28.717.000.000 35.84%
2015 24.702.000.000 -16.25%
2016 27.252.000.000 9.36%
2017 20.323.000.000 -34.09%
2018 21.258.000.000 4.4%
2019 16.199.000.000 -31.23%
2020 11.916.000.000 -35.94%
2021 14.418.000.000 17.35%
2022 18.375.000.000 21.53%
2023 33.360.000.000 44.92%

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 Chugoku Bank, Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 76
2006 66 -15.15%
2007 81 17.5%
2008 80 -1.27%
2009 36 -125.71%
2010 44 20.45%
2011 19 -144.44%
2012 88 79.31%
2013 90 3.33%
2014 142 36.62%
2015 124 -14.52%
2016 139 10.14%
2017 105 -31.43%
2018 111 5.41%
2019 86 -30.59%
2020 63 -34.92%
2021 77 17.11%
2022 98 21.65%
2023 180 45.81%

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 Chugoku Bank, Limited Free Cashflow
Year Free Cashflow Growth
2005 156.759.000.000
2006 6.655.000.000 -2255.51%
2007 -228.950.000.000 102.91%
2008 5.187.000.000 4513.92%
2009 55.390.000.000 90.64%
2010 253.811.000.000 78.18%
2011 -45.139.000.000 662.29%
2012 143.782.000.000 131.39%
2013 286.560.000.000 49.82%
2014 86.550.000.000 -231.09%
2015 333.704.000.000 74.06%
2016 -15.284.000.000 2283.36%
2017 -27.639.000.000 44.7%
2018 -103.070.000.000 73.18%
2019 -243.728.000.000 57.71%
2020 -172.952.000.000 -40.92%
2021 653.055.000.000 126.48%
2022 647.267.000.000 -0.89%

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 Chugoku Bank, Limited Operating Cashflow
Year Operating Cashflow Growth
2005 162.374.000.000
2006 13.179.000.000 -1132.07%
2007 -224.410.000.000 105.87%
2008 9.194.000.000 2540.83%
2009 59.989.000.000 84.67%
2010 257.258.000.000 76.68%
2011 -44.315.000.000 680.52%
2012 146.762.000.000 130.2%
2013 289.921.000.000 49.38%
2014 89.868.000.000 -222.61%
2015 338.314.000.000 73.44%
2016 -9.621.000.000 3616.41%
2017 -24.041.000.000 59.98%
2018 -101.208.000.000 76.25%
2019 -240.799.000.000 57.97%
2020 -169.359.000.000 -42.18%
2021 656.480.000.000 125.8%
2022 649.889.000.000 -1.01%

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 Chugoku Bank, Limited Capital Expenditure
Year Capital Expenditure Growth
2005 5.615.000.000
2006 6.524.000.000 13.93%
2007 4.540.000.000 -43.7%
2008 4.007.000.000 -13.3%
2009 4.599.000.000 12.87%
2010 3.447.000.000 -33.42%
2011 824.000.000 -318.33%
2012 2.980.000.000 72.35%
2013 3.361.000.000 11.34%
2014 3.318.000.000 -1.3%
2015 4.610.000.000 28.03%
2016 5.663.000.000 18.59%
2017 3.598.000.000 -57.39%
2018 1.862.000.000 -93.23%
2019 2.929.000.000 36.43%
2020 3.593.000.000 18.48%
2021 3.425.000.000 -4.91%
2022 2.622.000.000 -30.63%

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 Chugoku Bank, Limited Equity
Year Equity Growth
2005 350.169.000.000
2006 383.655.000.000 8.73%
2007 413.158.000.000 7.14%
2008 369.311.000.000 -11.87%
2009 338.405.000.000 -9.13%
2010 387.265.000.000 12.62%
2011 375.670.000.000 -3.09%
2012 382.870.000.000 1.88%
2013 435.923.000.000 12.17%
2014 456.702.000.000 4.55%
2015 515.249.000.000 11.36%
2016 520.420.000.000 0.99%
2017 514.973.000.000 -1.06%
2018 538.534.000.000 4.38%
2019 537.817.000.000 -0.13%
2020 511.193.000.000 -5.21%
2021 562.198.000.000 9.07%
2022 552.414.000.000 -1.77%
2023 535.248.000.000 -3.21%

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 Chugoku Bank, Limited Assets
Year Assets Growth
2005 5.644.210.000.000
2006 5.800.577.000.000 2.7%
2007 5.772.376.000.000 -0.49%
2008 5.791.039.000.000 0.32%
2009 5.894.412.000.000 1.75%
2010 6.066.632.000.000 2.84%
2011 6.220.997.000.000 2.48%
2012 6.339.172.000.000 1.86%
2013 6.779.495.000.000 6.49%
2014 6.980.486.000.000 2.88%
2015 7.620.740.000.000 8.4%
2016 7.800.036.000.000 2.3%
2017 8.284.008.000.000 5.84%
2018 8.467.295.000.000 2.16%
2019 8.253.750.000.000 -2.59%
2020 8.147.386.000.000 -1.31%
2021 9.153.162.000.000 10.99%
2022 10.208.209.000.000 10.34%
2023 10.134.250.000.000 -0.73%

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 Chugoku Bank, Limited Liabilities
Year Liabilities Growth
2005 5.294.041.000.000
2006 5.416.922.000.000 2.27%
2007 5.351.246.000.000 -1.23%
2008 5.413.481.000.000 1.15%
2009 5.547.373.000.000 2.41%
2010 5.670.117.000.000 2.16%
2011 5.835.552.000.000 2.83%
2012 5.946.127.000.000 1.86%
2013 6.332.405.000.000 6.1%
2014 6.511.722.000.000 2.75%
2015 7.098.346.000.000 8.26%
2016 7.274.022.000.000 2.42%
2017 7.769.035.000.000 6.37%
2018 7.928.761.000.000 2.01%
2019 7.715.933.000.000 -2.76%
2020 7.636.193.000.000 -1.04%
2021 8.590.964.000.000 11.11%
2022 9.655.795.000.000 11.03%
2023 9.599.002.000.000 -0.59%

The Chugoku Bank, Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
636.42
Net Income per Share
97.6
Price to Earning Ratio
9.35x
Price To Sales Ratio
0x
POCF Ratio
0.26
PFCF Ratio
0
Price to Book Ratio
0.31
EV to Sales
-7.51
EV Over EBITDA
-25.63
EV to Operating CashFlow
-1.39
EV to FreeCashFlow
-1.39
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-900,37 Bil.
Graham Number
2538.33
Graham NetNet
-41952.91

Income Statement Metrics

Net Income per Share
97.6
Income Quality
35.37
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.72
EBT Per Ebit
0.83
Ebit per Revenue
0.26
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.47
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.24
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
3451.83
Free CashFlow per Share
3437.9
Capex to Operating CashFlow
-0
Capex to Revenue
-0.02
Capex to Depreciation
-0.59
Return on Invested Capital
0.02
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
-13.93

Balance Sheet

Cash per Share
9.333,03
Book Value per Share
2.934,10
Tangible Book Value per Share
2926.22
Shareholders Equity per Share
2934.1
Interest Debt per Share
4578.71
Debt to Equity
1.55
Debt to Assets
0.08
Net Debt to EBITDA
-25.63
Current Ratio
0
Tangible Asset Value
550,93 Bil.
Net Current Asset Value
-2.015,01 Bil.
Invested Capital
1.55
Working Capital
7.640,78 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

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 Chugoku Bank, Limited Dividends
Year Dividends Growth
2001 7
2002 7 0%
2003 7 0%
2004 7 0%
2005 9 12.5%
2006 11 27.27%
2007 8 -37.5%
2008 11 27.27%
2009 13 15.38%
2010 13 -8.33%
2011 7 -71.43%
2012 14 46.15%
2013 15 7.14%
2014 17 12.5%
2015 20 20%
2016 20 0%
2017 20 0%
2018 20 0%
2019 23 13.04%
2020 22 -4.55%
2021 13 -83.33%
2022 31 60%

The Chugoku Bank, Limited Profile

About The Chugoku Bank, Limited

The Chugoku Bank, Limited, together with its subsidiaries, provides various financial services. The company operates through Banking, Leasing, and Securities segments. It accepts various deposit products, including current, ordinary, savings, time, installment time, nonresident yen, and foreign currency deposits, as well as deposits at notice, deposits for tax payment, and deposits for offshore accounts. The company also offers housing, card, automobile, and student loans. In addition, it provides credit guarantee, credit card, investment management, advisory, financial instruments brokerage, and asset management services. Further, the company engages in the consignment of office work; and installment sale of properties and goods. It operates 5 sub-branch offices, 8 branch-in-branch offices, 2 branch-in-branch sub-branch offices, 1 special sub-branch office, 1 representative office, 1 internet branch. The company was incorporated in 1930 and is headquartered in Okayama, Japan.

CEO
Mr. Masato Miyanaga
Employee
3.080
Address
1-15-20, Marunouchi
Okayama,

The Chugoku Bank, Limited Executives & BODs

The Chugoku Bank, Limited Executives & BODs
# Name Age
1 Mr. Koji Terasaka
Senior MD & Director
70
2 Mr. Ikuhide Harada
Senior MD & Director
70
3 Mr. Shinichi Taniguchi
MD & Director
70
4 Mr. Tatsuo Hiramoto
MD & Director
70
5 Mr. Hiroyuki Ohara
MD & Director
70
6 Mr. Hiromichi Kato
MD & Director
70
7 Yasusuke Mitani
Managing Executive Officer
70
8 Mr. Masato Miyanaga
Executive Chairman
70
9 Mr. Sadanori Kato
Pres & Director
70
10 Toshiyuki Koyama
Executive Officer & Fin. Mang.
70

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