The Ehime Bank, Ltd. Logo

The Ehime Bank, Ltd.

8541.T

(2.5)
Stock Price

1.046,00 JPY

1.62% ROA

4.07% ROE

7.61x PER

Market Cap.

41.155.144.800,00 JPY

32.67% DER

3.22% Yield

11.14% NPM

The Ehime Bank, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.33x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 ROE

The stock's ROE falls within an average range (4.36%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.2%) 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 DER

The stock has a reasonable amount of debt compared to its ownership (53%), suggesting a balanced financial position and a moderate level of risk.

6 Graham Number

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

7 Dividend

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

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (8.567) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 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.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

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

The Ehime 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 Ehime Bank, Ltd. Revenue
Year Revenue Growth
2004 37.369.000.000
2005 39.837.000.000 6.2%
2006 39.691.000.000 -0.37%
2007 40.186.000.000 1.23%
2008 38.912.000.000 -3.27%
2009 37.272.000.000 -4.4%
2010 37.758.000.000 1.29%
2011 36.274.000.000 -4.09%
2012 35.793.000.000 -1.34%
2013 37.190.000.000 3.76%
2014 36.506.000.000 -1.87%
2015 35.720.000.000 -2.2%
2016 34.514.000.000 -3.49%
2017 36.169.000.000 4.58%
2018 35.173.000.000 -2.83%
2019 37.048.000.000 5.06%
2020 35.549.000.000 -4.22%
2021 35.455.000.000 -0.27%
2022 38.179.000.000 7.13%
2023 42.268.000.000 9.67%
2023 64.128.000.000 34.09%
2024 47.096.000.000 -36.16%

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 Ehime 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%
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 Ehime Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 22.567.000.000
2005 22.377.000.000 -0.85%
2006 23.244.000.000 3.73%
2007 23.646.000.000 1.7%
2008 24.274.000.000 2.59%
2009 23.530.000.000 -3.16%
2010 23.761.000.000 0.97%
2011 23.899.000.000 0.58%
2012 23.214.000.000 -2.95%
2013 23.303.000.000 0.38%
2014 23.300.000.000 -0.01%
2015 23.802.000.000 2.11%
2016 24.306.000.000 2.07%
2017 24.978.000.000 2.69%
2018 25.293.000.000 1.25%
2019 25.309.000.000 0.06%
2020 24.166.000.000 -4.73%
2021 24.085.000.000 -0.34%
2022 24.456.000.000 1.52%
2023 24.956.000.000 2%
2023 24.571.000.000 -1.57%
2024 25.528.000.000 3.75%

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 Ehime Bank, Ltd. EBITDA
Year EBITDA Growth
2004 7.426.000.000
2005 9.487.000.000 21.72%
2006 15.399.000.000 38.39%
2007 17.341.000.000 11.2%
2008 3.770.000.000 -359.97%
2009 11.821.000.000 68.11%
2010 10.977.000.000 -7.69%
2011 11.702.000.000 6.2%
2012 11.367.000.000 -2.95%
2013 13.353.000.000 14.87%
2014 13.494.000.000 1.04%
2015 13.161.000.000 -2.53%
2016 11.039.000.000 -19.22%
2017 13.308.000.000 17.05%
2018 8.168.000.000 -62.93%
2019 8.050.000.000 -1.47%
2020 8.015.000.000 -0.44%
2021 8.782.000.000 8.73%
2022 8.169.000.000 -7.5%
2023 7.180.000.000 -13.77%
2023 -695.000.000 1133.09%
2024 -8.224.000.000 91.55%

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 Ehime Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 37.369.000.000
2005 39.837.000.000 6.2%
2006 39.691.000.000 -0.37%
2007 40.186.000.000 1.23%
2008 38.912.000.000 -3.27%
2009 37.272.000.000 -4.4%
2010 37.758.000.000 1.29%
2011 36.274.000.000 -4.09%
2012 35.971.000.000 -0.84%
2013 37.192.000.000 3.28%
2014 36.508.000.000 -1.87%
2015 36.236.000.000 -0.75%
2016 34.515.000.000 -4.99%
2017 36.169.000.000 4.57%
2018 35.173.000.000 -2.83%
2019 37.048.000.000 5.06%
2020 35.549.000.000 -4.22%
2021 35.455.000.000 -0.27%
2022 38.179.000.000 7.13%
2023 42.268.000.000 9.67%
2023 60.708.000.000 30.37%
2024 61.076.000.000 0.6%

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 Ehime Bank, Ltd. Net Profit
Year Net Profit Growth
2004 2.144.000.000
2005 3.309.000.000 35.21%
2006 5.222.000.000 36.63%
2007 2.827.000.000 -84.72%
2008 -2.941.000.000 196.12%
2009 3.550.000.000 182.85%
2010 2.895.000.000 -22.63%
2011 3.988.000.000 27.41%
2012 3.808.000.000 -4.73%
2013 4.572.000.000 16.71%
2014 5.558.000.000 17.74%
2015 5.814.000.000 4.4%
2016 5.449.000.000 -6.7%
2017 6.102.000.000 10.7%
2018 5.560.000.000 -9.75%
2019 5.668.000.000 1.91%
2020 5.447.000.000 -4.06%
2021 5.779.000.000 5.74%
2022 5.391.000.000 -7.2%
2023 4.692.000.000 -14.9%
2023 5.055.000.000 7.18%
2024 6.616.000.000 23.59%

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 Ehime Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2.038
2005 109 -1786.11%
2006 162 33.33%
2007 80 -105.06%
2008 -83 196.34%
2009 100 182%
2010 82 -23.46%
2011 113 27.68%
2012 107 -4.67%
2013 129 17.05%
2014 157 17.31%
2015 164 4.29%
2016 152 -7.24%
2017 145 -4.83%
2018 132 -9.85%
2019 145 8.33%
2020 139 -3.6%
2021 148 5.44%
2022 138 -7.3%
2023 0 0%
2023 129 100%
2024 170 23.67%

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 Ehime Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 55.542.000.000
2005 -38.907.000.000 242.76%
2006 -104.073.000.000 62.62%
2007 44.637.000.000 333.15%
2008 22.600.000.000 -97.51%
2009 16.947.000.000 -33.36%
2010 82.387.000.000 79.43%
2011 86.075.000.000 4.28%
2012 223.931.000.000 61.56%
2013 203.062.000.000 -10.28%
2014 -63.991.000.000 417.33%
2015 -135.949.000.000 52.93%
2016 98.784.000.000 237.62%
2017 -28.477.000.000 446.89%
2018 18.446.000.000 254.38%
2019 20.566.000.000 10.31%
2020 37.913.000.000 45.75%
2021 82.333.000.000 53.95%
2022 -76.841.000.000 207.15%
2023 -16.307.000.000 -371.21%
2023 0 0%
2024 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 Ehime Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 58.462.000.000
2005 -35.359.000.000 265.34%
2006 -96.733.000.000 63.45%
2007 50.461.000.000 291.7%
2008 23.728.000.000 -112.66%
2009 18.272.000.000 -29.86%
2010 83.186.000.000 78.03%
2011 87.916.000.000 5.38%
2012 225.180.000.000 60.96%
2013 204.329.000.000 -10.2%
2014 -63.045.000.000 424.1%
2015 -133.318.000.000 52.71%
2016 100.456.000.000 232.71%
2017 -27.450.000.000 465.96%
2018 21.340.000.000 228.63%
2019 22.507.000.000 5.19%
2020 38.895.000.000 42.13%
2021 84.608.000.000 54.03%
2022 -74.618.000.000 213.39%
2023 -12.977.000.000 -475%
2023 0 0%
2024 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 Ehime Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 2.920.000.000
2005 3.548.000.000 17.7%
2006 7.340.000.000 51.66%
2007 5.824.000.000 -26.03%
2008 1.128.000.000 -416.31%
2009 1.325.000.000 14.87%
2010 799.000.000 -65.83%
2011 1.841.000.000 56.6%
2012 1.249.000.000 -47.4%
2013 1.267.000.000 1.42%
2014 946.000.000 -33.93%
2015 2.631.000.000 64.04%
2016 1.672.000.000 -57.36%
2017 1.027.000.000 -62.8%
2018 2.894.000.000 64.51%
2019 1.941.000.000 -49.1%
2020 982.000.000 -97.66%
2021 2.275.000.000 56.84%
2022 2.223.000.000 -2.34%
2023 3.330.000.000 33.24%
2023 0 0%
2024 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 Ehime Bank, Ltd. Equity
Year Equity Growth
2004 60.983.000.000
2005 69.024.000.000 11.65%
2006 80.618.000.000 14.38%
2007 76.778.000.000 -5%
2008 71.648.000.000 -7.16%
2009 76.298.000.000 6.09%
2010 77.457.000.000 1.5%
2011 83.650.000.000 7.4%
2012 90.658.000.000 7.73%
2013 93.148.000.000 2.67%
2014 104.338.000.000 10.72%
2015 109.513.000.000 4.73%
2016 114.925.000.000 4.71%
2017 126.324.000.000 9.02%
2018 127.758.000.000 1.12%
2019 126.215.000.000 -1.22%
2020 154.896.000.000 18.52%
2021 134.906.000.000 -14.82%
2022 127.777.000.000 -5.58%
2023 137.420.000.000 7.02%
2023 126.752.000.000 -8.42%
2024 135.625.000.000 6.54%

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 Ehime Bank, Ltd. Assets
Year Assets Growth
2004 1.598.802.000.000
2005 1.621.119.000.000 1.38%
2006 1.631.334.000.000 0.63%
2007 1.667.385.000.000 2.16%
2008 1.655.775.000.000 -0.7%
2009 1.787.467.000.000 7.37%
2010 1.906.294.000.000 6.23%
2011 2.285.979.000.000 16.61%
2012 2.330.868.000.000 1.93%
2013 2.387.298.000.000 2.36%
2014 2.447.121.000.000 2.44%
2015 2.461.481.000.000 0.58%
2016 2.505.647.000.000 1.76%
2017 2.550.623.000.000 1.76%
2018 2.606.492.000.000 2.14%
2019 2.655.019.000.000 1.83%
2020 2.767.080.000.000 4.05%
2021 2.888.850.000.000 4.22%
2022 2.886.655.000.000 -0.08%
2023 2.887.961.000.000 0.05%
2023 2.841.242.000.000 -1.64%
2024 2.830.249.000.000 -0.39%

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 Ehime Bank, Ltd. Liabilities
Year Liabilities Growth
2004 1.537.819.000.000
2005 1.552.095.000.000 0.92%
2006 1.550.716.000.000 -0.09%
2007 1.590.607.000.000 2.51%
2008 1.584.127.000.000 -0.41%
2009 1.711.169.000.000 7.42%
2010 1.828.837.000.000 6.43%
2011 2.202.329.000.000 16.96%
2012 2.240.210.000.000 1.69%
2013 2.294.150.000.000 2.35%
2014 2.342.783.000.000 2.08%
2015 2.351.968.000.000 0.39%
2016 2.390.722.000.000 1.62%
2017 46.439.000.000 -5048.09%
2018 2.478.734.000.000 98.13%
2019 2.528.804.000.000 1.98%
2020 2.612.184.000.000 3.19%
2021 2.753.944.000.000 5.15%
2022 45.585.000.000 -5941.34%
2023 2.750.541.000.000 98.34%
2023 73.342.000.000 -3650.29%
2024 44.230.000.000 -65.82%

The Ehime Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1245.8
Net Income per Share
138.79
Price to Earning Ratio
7.61x
Price To Sales Ratio
0.85x
POCF Ratio
24.18
PFCF Ratio
24.18
Price to Book Ratio
0.3
EV to Sales
-1.3
EV Over EBITDA
-53.03
EV to Operating CashFlow
-37.2
EV to FreeCashFlow
-37.2
Earnings Yield
0.13
FreeCashFlow Yield
0.04
Market Cap
41,16 Bil.
Enterprise Value
-63,32 Bil.
Graham Number
3293.48
Graham NetNet
2680.72

Income Statement Metrics

Net Income per Share
138.79
Income Quality
0.31
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.75
EBT Per Ebit
0.92
Ebit per Revenue
0.16
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.51
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.06
Operating Profit Margin
0.16
Pretax Profit Margin
0.15
Net Profit Margin
0.11

Dividends

Dividend Yield
0.03
Dividend Yield %
3.22
Payout Ratio
0
Dividend Per Share
34

Operating Metrics

Operating Cashflow per Share
43.67
Free CashFlow per Share
43.67
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
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
3.815,62
Book Value per Share
71.486,47
Tangible Book Value per Share
7442.86
Shareholders Equity per Share
3473.54
Interest Debt per Share
1460.82
Debt to Equity
0.33
Debt to Assets
0.02
Net Debt to EBITDA
-87.5
Current Ratio
21.79
Tangible Asset Value
290,07 Bil.
Net Current Asset Value
104,48 Bil.
Invested Capital
2668864000000
Working Capital
141,88 Bil.
Intangibles to Total Assets
0.88
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.07

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 Ehime Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 5 0%
2006 6 16.67%
2007 6 0%
2008 6 0%
2009 6 0%
2010 6 0%
2011 6 0%
2012 6 0%
2013 6 0%
2014 6 0%
2015 5 -20%
2016 6 16.67%
2017 30 80%
2018 17 -76.47%
2019 30 43.33%
2020 30 0%
2021 30 0%
2022 30 0%
2023 30 0%
2024 34 11.76%
2025 0 0%

The Ehime Bank, Ltd. Profile

About The Ehime Bank, Ltd.

The Ehime Bank, Ltd. provides banking products and financial services in Japan. It offers savings, interest-free-bearing savings, checking, foreign currency savings, notification, automatic savings time, super time, large time, negotiable, certificate of deposit, and foreign currency time deposit products, as well as various loans. The company also provides business support, corporate association/tax accountant collaboration, and shipping and shipbuilding loans; and guarantee/institutional financing and co-financing services. In addition, it offers pension, life, non-life, medical, and cancer insurance products; asset management, fund management, trust agency, and management/business support services, as well as farm and internet banking; and e-net payment collection services. As of March 31, 2020, the company operated through 112 branches. The Ehime Bank, Ltd. was founded in 1915 and is headquartered in Matsuyama, Japan.

CEO
Mr. Yoshinori Nishikawa
Employee
1.342
Address
2-1 Katsuyamacho
Matsuyama, 790-8580

The Ehime Bank, Ltd. Executives & BODs

The Ehime Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Masamitsu Toyoda
Senior MD & Director
70
2 Mr. Yoshikatsu Akiyama
MD & Director
70
3 Mr. Yoshinori Nishikawa
President & Director
70
4 Mr. Hisakazu Matsuki
Senior MD & Director
70
5 Noriyuki Nakamoto
MD & Director
70
6 Mr. Noriyuki Yano
MD & Director
70

The Ehime Bank, Ltd. Competitors