The Keiyo Bank, Ltd. Logo

The Keiyo Bank, Ltd.

8544.T

(1.8)
Stock Price

724,00 JPY

0.15% ROA

3.58% ROE

8.98x PER

Market Cap.

83.421.894.760,00 JPY

128.07% DER

1.65% Yield

17.08% NPM

The Keiyo Bank, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.31x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (3.57%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.14%) 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 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

5 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (5.050) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (385%), making it financially unstable and potentially risky for investors.

8 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.

9 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.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

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

The Keiyo 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 Keiyo Bank, Ltd. Revenue
Year Revenue Growth
2004 63.120.000.000
2005 65.036.000.000 2.95%
2006 64.776.000.000 -0.4%
2007 64.258.000.000 -0.81%
2008 63.258.000.000 -1.58%
2009 65.032.000.000 2.73%
2010 71.976.000.000 9.65%
2011 69.712.000.000 -3.25%
2012 67.833.000.000 -2.77%
2013 65.805.000.000 -3.08%
2014 65.172.000.000 -0.97%
2015 64.333.000.000 -1.3%
2016 61.643.000.000 -4.36%
2017 60.463.000.000 -1.95%
2018 62.645.000.000 3.48%
2019 62.851.000.000 0.33%
2020 57.824.000.000 -8.69%
2021 60.607.000.000 4.59%
2022 58.174.000.000 -4.18%
2023 60.848.000.000 4.39%

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 Keiyo 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 Keiyo Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 32.858.000.000
2005 32.536.000.000 -0.99%
2006 32.915.000.000 1.15%
2007 34.056.000.000 3.35%
2008 35.327.000.000 3.6%
2009 35.312.000.000 -0.04%
2010 35.440.000.000 0.36%
2011 36.457.000.000 2.79%
2012 37.181.000.000 1.95%
2013 37.276.000.000 0.25%
2014 37.845.000.000 1.5%
2015 38.100.000.000 0.67%
2016 39.035.000.000 2.4%
2017 38.389.000.000 -1.68%
2018 37.418.000.000 -2.6%
2019 37.067.000.000 -0.95%
2020 36.647.000.000 -1.15%
2021 35.533.000.000 -3.14%
2022 34.769.000.000 -2.2%
2023 34.604.000.000 -0.48%

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 Keiyo Bank, Ltd. EBITDA
Year EBITDA Growth
2004 22.914.000.000
2005 24.977.000.000 8.26%
2006 28.475.000.000 12.28%
2007 33.093.000.000 13.95%
2008 20.568.000.000 -60.9%
2009 26.987.000.000 23.79%
2010 26.460.000.000 -1.99%
2011 29.267.000.000 9.59%
2012 30.296.000.000 3.4%
2013 30.340.000.000 0.15%
2014 30.078.000.000 -0.87%
2015 29.679.000.000 -1.34%
2016 22.316.000.000 -32.99%
2017 22.663.000.000 1.53%
2018 -328.000.000 7009.45%
2019 -408.000.000 19.61%
2020 -1.224.000.000 66.67%
2021 -80.000.000 -1430%
2022 -258.000.000 68.99%
2023 16.824.000.000 101.53%

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 Keiyo Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 63.120.000.000
2005 65.036.000.000 2.95%
2006 64.776.000.000 -0.4%
2007 64.258.000.000 -0.81%
2008 63.258.000.000 -1.58%
2009 65.032.000.000 2.73%
2010 71.976.000.000 9.65%
2011 69.712.000.000 -3.25%
2012 67.839.000.000 -2.76%
2013 65.904.000.000 -2.94%
2014 65.181.000.000 -1.11%
2015 64.334.000.000 -1.32%
2016 61.652.000.000 -4.35%
2017 60.463.000.000 -1.97%
2018 62.645.000.000 3.48%
2019 62.851.000.000 0.33%
2020 57.824.000.000 -8.69%
2021 60.607.000.000 4.59%
2022 58.174.000.000 -4.18%
2023 60.848.000.000 4.39%

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 Keiyo Bank, Ltd. Net Profit
Year Net Profit Growth
2004 11.591.000.000
2005 12.761.000.000 9.17%
2006 13.913.000.000 8.28%
2007 13.728.000.000 -1.35%
2008 5.658.000.000 -142.63%
2009 10.714.000.000 47.19%
2010 11.545.000.000 7.2%
2011 11.964.000.000 3.5%
2012 15.074.000.000 20.63%
2013 15.303.000.000 1.5%
2014 14.922.000.000 -2.55%
2015 15.188.000.000 1.75%
2016 11.634.000.000 -30.55%
2017 12.116.000.000 3.98%
2018 10.547.000.000 -14.88%
2019 5.564.000.000 -89.56%
2020 7.383.000.000 24.64%
2021 11.185.000.000 33.99%
2022 10.390.000.000 -7.65%
2023 11.772.000.000 11.74%

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 Keiyo Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 80
2005 88 8.05%
2006 96 9.38%
2007 95 -2.13%
2008 40 -141.03%
2009 77 48.68%
2010 83 7.32%
2011 86 3.53%
2012 108 20.56%
2013 110 1.83%
2014 107 -1.87%
2015 113 4.46%
2016 88 -27.27%
2017 92 3.3%
2018 80 -15.19%
2019 43 -88.1%
2020 57 25%
2021 87 34.88%
2022 82 -6.17%
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 Keiyo Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 30.973.000.000
2005 40.056.000.000 22.68%
2006 -4.057.000.000 1087.33%
2007 -30.512.000.000 86.7%
2008 45.499.000.000 167.06%
2009 -7.598.000.000 698.83%
2010 88.246.000.000 108.61%
2011 -32.321.000.000 373.03%
2012 14.815.000.000 318.16%
2013 144.207.000.000 89.73%
2014 65.458.000.000 -120.3%
2015 -24.206.000.000 370.42%
2016 -71.107.000.000 65.96%
2017 -22.166.000.000 -220.79%
2018 -57.942.000.000 61.74%
2019 21.015.000.000 375.72%
2020 361.809.000.000 94.19%
2021 1.325.107.000.000 72.7%
2022 -517.964.000.000 355.83%
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 Keiyo Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 34.013.000.000
2005 43.640.000.000 22.06%
2006 1.829.000.000 -2286%
2007 -18.902.000.000 109.68%
2008 55.684.000.000 133.95%
2009 -2.767.000.000 2112.43%
2010 94.936.000.000 102.91%
2011 -25.210.000.000 476.58%
2012 19.469.000.000 229.49%
2013 152.610.000.000 87.24%
2014 76.884.000.000 -98.49%
2015 -19.087.000.000 502.81%
2016 -65.459.000.000 70.84%
2017 -17.881.000.000 -266.08%
2018 -54.600.000.000 67.25%
2019 23.671.000.000 330.66%
2020 366.396.000.000 93.54%
2021 1.331.087.000.000 72.47%
2022 -510.165.000.000 360.91%
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 Keiyo Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 3.040.000.000
2005 3.584.000.000 15.18%
2006 5.886.000.000 39.11%
2007 11.610.000.000 49.3%
2008 10.185.000.000 -13.99%
2009 4.831.000.000 -110.83%
2010 6.690.000.000 27.79%
2011 7.111.000.000 5.92%
2012 4.654.000.000 -52.79%
2013 8.403.000.000 44.62%
2014 11.426.000.000 26.46%
2015 5.119.000.000 -123.21%
2016 5.648.000.000 9.37%
2017 4.285.000.000 -31.81%
2018 3.342.000.000 -28.22%
2019 2.656.000.000 -25.83%
2020 4.587.000.000 42.1%
2021 5.980.000.000 23.29%
2022 7.799.000.000 23.32%
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 Keiyo Bank, Ltd. Equity
Year Equity Growth
2004 144.907.000.000
2005 151.531.000.000 4.37%
2006 167.972.000.000 9.79%
2007 175.434.000.000 4.25%
2008 163.670.000.000 -7.19%
2009 182.935.000.000 10.53%
2010 189.505.000.000 3.47%
2011 207.491.000.000 8.67%
2012 234.785.000.000 11.63%
2013 244.353.000.000 3.92%
2014 274.324.000.000 10.93%
2015 280.091.000.000 2.06%
2016 279.818.000.000 -0.1%
2017 293.862.000.000 4.78%
2018 294.852.000.000 0.34%
2019 282.304.000.000 -4.44%
2020 298.048.000.000 5.28%
2021 295.981.000.000 -0.7%
2022 296.077.000.000 0.03%
2023 301.080.000.000 1.66%

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 Keiyo Bank, Ltd. Assets
Year Assets Growth
2004 2.850.567.000.000
2005 2.924.960.000.000 2.54%
2006 2.976.508.000.000 1.73%
2007 3.132.421.000.000 4.98%
2008 3.271.350.000.000 4.25%
2009 3.414.950.000.000 4.21%
2010 3.569.986.000.000 4.34%
2011 3.779.820.000.000 5.55%
2012 3.937.068.000.000 3.99%
2013 4.122.415.000.000 4.5%
2014 4.350.421.000.000 5.24%
2015 4.493.684.000.000 3.19%
2016 4.598.425.000.000 2.28%
2017 4.789.498.000.000 3.99%
2018 4.895.368.000.000 2.16%
2019 4.994.723.000.000 1.99%
2020 5.553.028.000.000 10.05%
2021 6.903.217.000.000 19.56%
2022 6.575.882.000.000 -4.98%
2023 6.612.753.000.000 0.56%

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 Keiyo Bank, Ltd. Liabilities
Year Liabilities Growth
2004 2.705.218.000.000
2005 2.772.882.000.000 2.44%
2006 2.807.801.000.000 1.24%
2007 2.955.973.000.000 5.01%
2008 3.106.561.000.000 4.85%
2009 3.230.803.000.000 3.85%
2010 3.379.163.000.000 4.39%
2011 3.570.754.000.000 5.37%
2012 3.700.311.000.000 3.5%
2013 3.875.731.000.000 4.53%
2014 4.073.444.000.000 4.85%
2015 4.210.610.000.000 3.26%
2016 4.315.209.000.000 2.42%
2017 31.400.000.000 -13642.7%
2018 4.600.516.000.000 99.32%
2019 4.712.419.000.000 2.37%
2020 5.254.980.000.000 10.32%
2021 6.607.236.000.000 20.47%
2022 6.279.805.000.000 -5.21%
2023 378.200.000.000 -1560.45%

The Keiyo Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
472.85
Net Income per Share
77.64
Price to Earning Ratio
8.98x
Price To Sales Ratio
1.4x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.3
EV to Sales
-12.3
EV Over EBITDA
-76.11
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
83,42 Bil.
Enterprise Value
-735,47 Bil.
Graham Number
2019.76
Graham NetNet
6475.76

Income Statement Metrics

Net Income per Share
77.64
Income Quality
0
ROE
0.03
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.69
EBT Per Ebit
1.01
Ebit per Revenue
0.24
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.58
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.24
Pretax Profit Margin
0.25
Net Profit Margin
0.17

Dividends

Dividend Yield
0.02
Dividend Yield %
1.65
Payout Ratio
0
Dividend Per Share
11.5

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
9.466,55
Book Value per Share
2.335,24
Tangible Book Value per Share
49302.54
Shareholders Equity per Share
2335.24
Interest Debt per Share
2995.66
Debt to Equity
1.28
Debt to Assets
0.06
Net Debt to EBITDA
-84.75
Current Ratio
0
Tangible Asset Value
6.217,65 Bil.
Net Current Asset Value
818,89 Bil.
Invested Capital
1.28
Working Capital
1.197,09 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.53

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 Keiyo 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 8 12.5%
2008 8 0%
2009 8 0%
2010 8 0%
2011 10 20%
2012 10 0%
2013 6 -66.67%
2014 11 45.45%
2015 11 0%
2016 11 0%
2017 11 0%
2018 8 -37.5%
2019 22 63.64%
2020 18 -22.22%
2021 19 5.26%
2022 11 -72.73%
2023 12 0%
2024 0 0%

The Keiyo Bank, Ltd. Profile

About The Keiyo Bank, Ltd.

The Keiyo Bank, Ltd. offers various banking products and services in Japan. It accepts deposits; and offers housing, mortgage, and consumer loans, as well as loans to small and medium-sized companies. As of March 31, 2021, the company operated in 122 locations. The Keiyo Bank, Ltd. was incorporated in 1943 and is headquartered in Chiba, Japan.

CEO
Mr. Toshiyuki Kumagai
Employee
1.881
Address
11-11, Fujimi 1-Chome
Chiba, 260-0015

The Keiyo Bank, Ltd. Executives & BODs

The Keiyo Bank, Ltd. Executives & BODs
# Name Age
1 Kiyoshi Hashimoto
Vice President & Representative Director
70
2 Shiro Yamazaki
Managing Executive Officer
70
3 Mr. Toshiyuki Kumagai
Representative Chairman, President & Chief Executive Officer
70
4 Mr. Hashimoto Qing
Representative Deputy President of the Board & Executive Vice President
70
5 Mr. Satoshi Akiyama
Senior Managing Executive Officer & Director
70
6 Mr. Kazuo Fujisaki
Managing Executive Officer & Director
70
7 Mr. Tatsufumi Ichikawa
Managing Executive Officer & Director
70
8 Mr. Hiromi Kosaka
Managing Executive Officer & Director
70
9 Tomoyuki Kunii
Managing Executive Officer
70
10 Go Fujita
Managing Executive Officer
70

The Keiyo Bank, Ltd. Competitors