The Bank of Nagoya, Ltd. Logo

The Bank of Nagoya, Ltd.

8522.T

(2.2)
Stock Price

6.400,00 JPY

0.15% ROA

3.53% ROE

11.24x PER

Market Cap.

89.687.658.720,00 JPY

117.15% DER

2.27% Yield

10.42% NPM

The Bank of Nagoya, Ltd. Stock Analysis

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

With a remarkably low PBV ratio (0.4x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 ROE

ROE in an average range (3.69%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.18%) 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.

5 Graham Number

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

6 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (61.737), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (114%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

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

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

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

The Bank of Nagoya, 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 Nagoya, Ltd. Revenue
Year Revenue Growth
2005 71.919.000.000
2006 67.358.000.000 -6.77%
2007 74.553.000.000 9.65%
2008 69.229.000.000 -7.69%
2009 62.863.000.000 -10.13%
2010 63.188.000.000 0.51%
2011 61.296.000.000 -3.09%
2012 57.979.000.000 -5.72%
2013 57.892.000.000 -0.15%
2014 55.470.000.000 -4.37%
2015 56.577.000.000 1.96%
2016 58.230.000.000 2.84%
2017 57.374.000.000 -1.49%
2018 60.304.000.000 4.86%
2019 61.555.000.000 2.03%
2020 65.122.000.000 5.48%
2021 73.702.000.000 11.64%
2022 70.846.000.000 -4.03%
2023 90.136.000.000 21.4%
2023 100.869.000.000 10.64%

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 Bank of Nagoya, Ltd. 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%

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 Nagoya, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 33.226.000.000
2006 32.618.000.000 -1.86%
2007 32.724.000.000 0.32%
2008 35.194.000.000 7.02%
2009 36.184.000.000 2.74%
2010 35.484.000.000 -1.97%
2011 35.247.000.000 -0.67%
2012 34.123.000.000 -3.29%
2013 34.084.000.000 -0.11%
2014 33.996.000.000 -0.26%
2015 32.653.000.000 -4.11%
2016 32.033.000.000 -1.94%
2017 32.112.000.000 0.25%
2018 31.143.000.000 -3.11%
2019 31.188.000.000 0.14%
2020 32.851.000.000 5.06%
2021 32.235.000.000 -1.91%
2022 30.918.000.000 -4.26%
2023 30.792.000.000 -0.41%
2023 31.030.000.000 0.77%

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 Nagoya, Ltd. EBITDA
Year EBITDA Growth
2005 30.694.000.000
2006 30.498.000.000 -0.64%
2007 33.778.000.000 9.71%
2008 15.089.000.000 -123.86%
2009 13.934.000.000 -8.29%
2010 11.286.000.000 -23.46%
2011 9.702.000.000 -16.33%
2012 14.568.000.000 33.4%
2013 13.770.000.000 -5.8%
2014 15.784.000.000 12.76%
2015 15.991.000.000 1.29%
2016 13.128.000.000 -21.81%
2017 13.753.000.000 4.54%
2018 8.694.000.000 -58.19%
2019 6.135.000.000 -41.71%
2020 15.492.000.000 60.4%
2021 16.024.000.000 3.32%
2022 11.481.000.000 -39.57%
2023 8.732.000.000 -31.48%
2023 2.556.000.000 -241.63%

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 Nagoya, Ltd. Gross Profit
Year Gross Profit Growth
2005 71.919.000.000
2006 67.358.000.000 -6.77%
2007 74.553.000.000 9.65%
2008 69.229.000.000 -7.69%
2009 62.863.000.000 -10.13%
2010 63.188.000.000 0.51%
2011 61.296.000.000 -3.09%
2012 57.979.000.000 -5.72%
2013 57.892.000.000 -0.15%
2014 55.471.000.000 -4.36%
2015 56.578.000.000 1.96%
2016 58.231.000.000 2.84%
2017 57.375.000.000 -1.49%
2018 60.304.000.000 4.86%
2019 61.555.000.000 2.03%
2020 65.122.000.000 5.48%
2021 73.702.000.000 11.64%
2022 70.846.000.000 -4.03%
2023 90.136.000.000 21.4%
2023 81.315.000.000 -10.85%

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 Nagoya, Ltd. Net Profit
Year Net Profit Growth
2005 10.133.000.000
2006 7.854.000.000 -29.02%
2007 7.401.000.000 -6.12%
2008 2.702.000.000 -173.91%
2009 3.847.000.000 29.76%
2010 3.542.000.000 -8.61%
2011 2.089.000.000 -69.55%
2012 6.223.000.000 66.43%
2013 5.440.000.000 -14.39%
2014 6.707.000.000 18.89%
2015 6.971.000.000 3.79%
2016 5.945.000.000 -17.26%
2017 5.812.000.000 -2.29%
2018 6.172.000.000 5.83%
2019 4.625.000.000 -33.45%
2020 10.726.000.000 56.88%
2021 11.643.000.000 7.88%
2022 8.377.000.000 -38.99%
2023 6.224.000.000 -34.59%
2023 10.036.000.000 37.98%

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 Nagoya, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 480
2006 375 -28.34%
2007 360 -4.18%
2008 132 -174.05%
2009 188 29.95%
2010 173 -8.09%
2011 102 -69.61%
2012 304 66.45%
2013 266 -14.72%
2014 328 19.21%
2015 354 7.08%
2016 303 -16.5%
2017 250 -21.2%
2018 302 17.22%
2019 247 -22.76%
2020 592 58.45%
2021 649 8.78%
2022 484 -34.37%
2023 0 0%
2023 594 100%

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 Nagoya, Ltd. Free Cashflow
Year Free Cashflow Growth
2005 150.266.000.000
2006 -75.443.000.000 299.18%
2007 -32.553.000.000 -131.75%
2008 26.193.000.000 224.28%
2009 -1.795.000.000 1559.22%
2010 -13.351.000.000 86.56%
2011 108.924.000.000 112.26%
2012 48.083.000.000 -126.53%
2013 6.453.000.000 -645.13%
2014 106.690.000.000 93.95%
2015 -27.126.000.000 493.31%
2016 -45.392.000.000 40.24%
2017 37.241.000.000 221.89%
2018 -102.066.000.000 136.49%
2019 -164.080.000.000 37.79%
2020 597.574.000.000 127.46%
2021 106.372.000.000 -461.78%
2022 -341.620.000.000 131.14%
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 Bank of Nagoya, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 150.912.000.000
2006 -74.177.000.000 303.45%
2007 -31.141.000.000 -138.2%
2008 29.547.000.000 205.39%
2009 472.000.000 -6159.96%
2010 -11.736.000.000 104.02%
2011 111.895.000.000 110.49%
2012 51.079.000.000 -119.06%
2013 10.424.000.000 -390.01%
2014 109.477.000.000 90.48%
2015 -23.929.000.000 557.51%
2016 -43.061.000.000 44.43%
2017 40.206.000.000 207.1%
2018 -100.581.000.000 139.97%
2019 -161.526.000.000 37.73%
2020 604.481.000.000 126.72%
2021 107.838.000.000 -460.55%
2022 -339.738.000.000 131.74%
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 Bank of Nagoya, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 646.000.000
2006 1.266.000.000 48.97%
2007 1.412.000.000 10.34%
2008 3.354.000.000 57.9%
2009 2.267.000.000 -47.95%
2010 1.615.000.000 -40.37%
2011 2.971.000.000 45.64%
2012 2.996.000.000 0.83%
2013 3.971.000.000 24.55%
2014 2.787.000.000 -42.48%
2015 3.197.000.000 12.82%
2016 2.331.000.000 -37.15%
2017 2.965.000.000 21.38%
2018 1.485.000.000 -99.66%
2019 2.554.000.000 41.86%
2020 6.907.000.000 63.02%
2021 1.466.000.000 -371.15%
2022 1.882.000.000 22.1%
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 Nagoya, Ltd. Equity
Year Equity Growth
2005 195.663.000.000
2006 203.921.000.000 4.05%
2007 171.741.000.000 -18.74%
2008 149.618.000.000 -14.79%
2009 166.497.000.000 10.14%
2010 161.847.000.000 -2.87%
2011 169.217.000.000 4.36%
2012 191.667.000.000 11.71%
2013 202.892.000.000 5.53%
2014 236.690.000.000 14.28%
2015 225.271.000.000 -5.07%
2016 223.184.000.000 -0.94%
2017 236.650.000.000 5.69%
2018 235.732.000.000 -0.39%
2019 226.663.000.000 -4%
2020 253.254.000.000 10.5%
2021 257.694.000.000 1.72%
2022 245.326.000.000 -5.04%
2023 261.257.000.000 6.1%

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 Nagoya, Ltd. Assets
Year Assets Growth
2005 3.144.826.000.000
2006 3.106.951.000.000 -1.22%
2007 3.024.497.000.000 -2.73%
2008 3.057.642.000.000 1.08%
2009 3.033.515.000.000 -0.8%
2010 3.028.414.000.000 -0.17%
2011 3.172.177.000.000 4.53%
2012 3.236.427.000.000 1.99%
2013 3.299.106.000.000 1.9%
2014 3.507.632.000.000 5.94%
2015 3.554.311.000.000 1.31%
2016 3.667.586.000.000 3.09%
2017 3.833.697.000.000 4.33%
2018 3.897.208.000.000 1.63%
2019 3.934.962.000.000 0.96%
2020 4.912.750.000.000 19.9%
2021 5.162.840.000.000 4.84%
2022 5.098.245.000.000 -1.27%
2023 5.273.945.000.000 3.33%

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 Nagoya, Ltd. Liabilities
Year Liabilities Growth
2005 2.944.066.000.000
2006 2.900.195.000.000 -1.51%
2007 2.850.184.000.000 -1.75%
2008 2.905.222.000.000 1.89%
2009 2.863.986.000.000 -1.44%
2010 2.863.490.000.000 -0.02%
2011 2.999.516.000.000 4.53%
2012 3.041.018.000.000 1.36%
2013 3.092.220.000.000 1.66%
2014 3.266.654.000.000 5.34%
2015 3.324.879.000.000 1.75%
2016 3.439.997.000.000 3.35%
2017 3.597.047.000.000 4.37%
2018 3.661.476.000.000 1.76%
2019 3.708.299.000.000 1.26%
2020 4.659.496.000.000 20.41%
2021 4.905.146.000.000 5.01%
2022 418.868.000.000 -1071.05%
2023 306.070.000.000 -36.85%

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

Valuation Metrics

Revenue per Share
4386.85
Net Income per Share
469.78
Price to Earning Ratio
11.24x
Price To Sales Ratio
1.19x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.35
EV to Sales
-1.92
EV Over EBITDA
-12.84
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
89,69 Bil.
Enterprise Value
-145,16 Bil.
Graham Number
12668
Graham NetNet
13647.84

Income Statement Metrics

Net Income per Share
469.78
Income Quality
0
ROE
0.03
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
1
Ebit per Revenue
0.15
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.15
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.02
Dividend Yield %
2.27
Payout Ratio
0
Dividend Per Share
120

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
31.434,33
Book Value per Share
15.182,30
Tangible Book Value per Share
288695.66
Shareholders Equity per Share
15182.3
Interest Debt per Share
18343.97
Debt to Equity
1.17
Debt to Assets
0.06
Net Debt to EBITDA
-20.77
Current Ratio
0
Tangible Asset Value
4.965,88 Bil.
Net Current Asset Value
234,85 Bil.
Invested Capital
1.17
Working Capital
540,92 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.41

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 Nagoya, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 4 -25%
2006 6 33.33%
2007 7 0%
2008 7 0%
2009 7 0%
2010 4 -100%
2011 7 50%
2012 7 0%
2013 7 0%
2014 7 0%
2015 7 14.29%
2016 7 0%
2017 70 90%
2018 70 0%
2019 70 0%
2020 70 0%
2021 75 6.67%
2022 140 46.43%
2023 120 -16.67%
2024 0 0%

The Bank of Nagoya, Ltd. Profile

About The Bank of Nagoya, Ltd.

The Bank of Nagoya, Ltd. provides various banking and financial services in Japan. The company operates through Banking, Leasing, and Credit Card segments. It offers deposits and loans; domestic and foreign exchange transactions; securities investments; trading of trading account securities; and underwriting and registration of corporate bonds. The company also engages in finance leasing, credit card, and clerical outsourcing businesses. As of March 31, 2021, it operated 113 branches. The company was incorporated in 1949 and is based in Nagoya, Japan.

CEO
Mr. Ichiro Fujiwara
Employee
1.996
Address
19-17 Nishiki 3-chome
Nagoya, 460-0003

The Bank of Nagoya, Ltd. Executives & BODs

The Bank of Nagoya, Ltd. Executives & BODs
# Name Age
1 Mr. Hideki Mizuno
MD, GM of Corporate Planning Division & Director
70
2 Mr. Fumihide Yoshitomi
GM of Business Promotion Division & Director
70
3 Mr. Kazu Kondou
GM of Strategic Investment Division & Director
70
4 Mr. Ichiro Fujiwara
President & Representative Director
70
5 Mr. Shinichi Yokota
MD and GM of Sales Division & Market Sales Department
70
6 Yasunori Kanamori
Executive Officer
70
7 Mr. Katsutoshi Yamamoto
MD, GM of Sales Division & Director
70
8 Mr. Seiji Inagaki
Executive Officer & GM of Career Development Division
70
9 Mr. Masao Minamide
MD & Director
70
10 Mr. Mitsuru Yoshihashi
Executive Officer & GM of Internal Control Division
70

The Bank of Nagoya, Ltd. Competitors