The Towa Bank, Ltd. Logo

The Towa Bank, Ltd.

8558.T

(2.2)
Stock Price

623,00 JPY

0.16% ROA

3.44% ROE

7.46x PER

Market Cap.

21.755.222.596,00 JPY

125.77% DER

1.7% Yield

12.29% NPM

The Towa Bank, Ltd. Stock Analysis

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

The stock's low PBV ratio (0.19x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

ROE in an average range (3.5%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.16%) 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.

4 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

5 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

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's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (6.210), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (238%), making it financially unstable and potentially risky for investors.

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

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

The Towa 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 Towa Bank, Ltd. Revenue
Year Revenue Growth
2005 41.436.000.000
2006 37.909.000.000 -9.3%
2007 38.362.000.000 1.18%
2008 32.997.000.000 -16.26%
2009 34.692.000.000 4.89%
2010 35.563.000.000 2.45%
2011 37.660.000.000 5.57%
2012 38.154.000.000 1.29%
2013 37.974.000.000 -0.47%
2014 38.811.000.000 2.16%
2015 36.129.000.000 -7.42%
2016 38.588.000.000 6.37%
2017 43.627.000.000 11.55%
2018 32.444.000.000 -34.47%
2019 33.822.000.000 4.07%
2020 32.361.000.000 -4.51%
2021 32.674.000.000 0.96%
2022 29.335.000.000 -11.38%
2023 31.892.000.000 8.02%
2023 28.853.000.000 -10.53%
2024 31.776.000.000 9.2%

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 Towa Bank, 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%
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 Towa Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 24.184.000.000
2006 23.680.000.000 -2.13%
2007 22.718.000.000 -4.23%
2008 22.026.000.000 -3.14%
2009 22.496.000.000 2.09%
2010 22.328.000.000 -0.75%
2011 22.343.000.000 0.07%
2012 21.644.000.000 -3.23%
2013 21.343.000.000 -1.41%
2014 21.684.000.000 1.57%
2015 21.646.000.000 -0.18%
2016 22.243.000.000 2.68%
2017 22.180.000.000 -0.28%
2018 20.860.000.000 -6.33%
2019 20.245.000.000 -3.04%
2020 20.210.000.000 -0.17%
2021 19.751.000.000 -2.32%
2022 19.603.000.000 -0.75%
2023 19.524.000.000 -0.4%
2023 19.735.000.000 1.07%
2024 20.936.000.000 5.74%

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 Towa Bank, Ltd. EBITDA
Year EBITDA Growth
2005 13.758.000.000
2006 -14.516.000.000 194.78%
2007 11.989.000.000 221.08%
2008 1.826.000.000 -556.57%
2009 7.579.000.000 75.91%
2010 7.413.000.000 -2.24%
2011 9.630.000.000 23.02%
2012 12.111.000.000 20.49%
2013 13.860.000.000 12.62%
2014 14.137.000.000 1.96%
2015 12.573.000.000 -12.44%
2016 12.872.000.000 2.32%
2017 17.425.000.000 26.13%
2018 6.023.000.000 -189.31%
2019 4.868.000.000 -23.73%
2020 3.695.000.000 -31.75%
2021 3.373.000.000 -9.55%
2022 4.787.000.000 29.54%
2023 5.248.000.000 8.78%
2023 -16.000.000 32900%
2024 16.000.000 200%

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 Towa Bank, Ltd. Gross Profit
Year Gross Profit Growth
2005 41.436.000.000
2006 37.909.000.000 -9.3%
2007 38.362.000.000 1.18%
2008 32.997.000.000 -16.26%
2009 34.692.000.000 4.89%
2010 35.563.000.000 2.45%
2011 37.660.000.000 5.57%
2012 38.154.000.000 1.29%
2013 37.974.000.000 -0.47%
2014 38.811.000.000 2.16%
2015 36.129.000.000 -7.42%
2016 38.588.000.000 6.37%
2017 43.627.000.000 11.55%
2018 32.444.000.000 -34.47%
2019 33.822.000.000 4.07%
2020 32.361.000.000 -4.51%
2021 32.674.000.000 0.96%
2022 29.335.000.000 -11.38%
2023 31.892.000.000 8.02%
2023 28.853.000.000 -10.53%
2024 29.232.000.000 1.3%

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 Towa Bank, Ltd. Net Profit
Year Net Profit Growth
2005 2.710.000.000
2006 -27.415.000.000 109.89%
2007 158.000.000 17451.27%
2008 -3.809.000.000 104.15%
2009 2.786.000.000 236.72%
2010 6.453.000.000 56.83%
2011 7.710.000.000 16.3%
2012 7.763.000.000 0.68%
2013 12.907.000.000 39.85%
2014 12.440.000.000 -3.75%
2015 8.158.000.000 -52.49%
2016 8.553.000.000 4.62%
2017 11.309.000.000 24.37%
2018 4.797.000.000 -135.75%
2019 2.896.000.000 -65.64%
2020 2.495.000.000 -16.07%
2021 1.745.000.000 -42.98%
2022 4.094.000.000 57.38%
2023 4.460.000.000 8.21%
2023 3.530.000.000 -26.35%
2024 2.660.000.000 -32.71%

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 Towa Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 112
2006 -1.136 109.86%
2007 7 19033.33%
2008 -153 103.92%
2009 81 291.25%
2010 187 57.22%
2011 230 18.34%
2012 233 1.29%
2013 380 38.95%
2014 336 -13.1%
2015 208 -61.54%
2016 219 5.02%
2017 307 28.43%
2018 130 -135.38%
2019 73 -78.08%
2020 62 -17.74%
2021 42 -47.62%
2022 106 60%
2023 0 0%
2023 90 100%
2024 72 -25.35%

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 Towa Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2005 -19.295.000.000
2006 24.033.000.000 180.29%
2007 -38.845.000.000 161.87%
2008 3.296.000.000 1278.55%
2009 -17.702.000.000 118.62%
2010 20.129.000.000 187.94%
2011 2.597.000.000 -675.09%
2012 28.121.000.000 90.76%
2013 21.642.000.000 -29.94%
2014 98.672.000.000 78.07%
2015 86.944.000.000 -13.49%
2016 73.398.000.000 -18.46%
2017 48.317.000.000 -51.91%
2018 -32.699.000.000 247.76%
2019 10.548.000.000 410%
2020 175.266.000.000 93.98%
2021 3.501.000.000 -4906.17%
2022 -211.225.000.000 101.66%
2023 1.812.000.000 11757.01%
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 Towa Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 -15.038.000.000
2006 27.935.000.000 153.83%
2007 -34.608.000.000 180.72%
2008 3.531.000.000 1080.12%
2009 -17.507.000.000 120.17%
2010 20.352.000.000 186.02%
2011 3.811.000.000 -434.03%
2012 29.173.000.000 86.94%
2013 22.587.000.000 -29.16%
2014 99.831.000.000 77.37%
2015 89.507.000.000 -11.53%
2016 75.281.000.000 -18.9%
2017 49.118.000.000 -53.27%
2018 -31.415.000.000 256.35%
2019 12.004.000.000 361.7%
2020 178.218.000.000 93.26%
2021 4.998.000.000 -3465.79%
2022 -209.387.000.000 102.39%
2023 4.360.000.000 4902.45%
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 Towa Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 4.257.000.000
2006 3.902.000.000 -9.1%
2007 4.237.000.000 7.91%
2008 235.000.000 -1702.98%
2009 195.000.000 -20.51%
2010 223.000.000 12.56%
2011 1.214.000.000 81.63%
2012 1.052.000.000 -15.4%
2013 945.000.000 -11.32%
2014 1.159.000.000 18.46%
2015 2.563.000.000 54.78%
2016 1.883.000.000 -36.11%
2017 801.000.000 -135.08%
2018 1.284.000.000 37.62%
2019 1.456.000.000 11.81%
2020 2.952.000.000 50.68%
2021 1.497.000.000 -97.19%
2022 1.838.000.000 18.55%
2023 2.548.000.000 27.86%
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 Towa Bank, Ltd. Equity
Year Equity Growth
2005 63.624.000.000
2006 33.370.000.000 -90.66%
2007 36.368.000.000 8.24%
2008 38.204.000.000 4.81%
2009 74.606.000.000 48.79%
2010 84.848.000.000 12.07%
2011 95.216.000.000 10.89%
2012 108.607.000.000 12.33%
2013 120.456.000.000 9.84%
2014 137.597.000.000 12.46%
2015 147.532.000.000 6.73%
2016 151.372.000.000 2.54%
2017 156.564.000.000 3.32%
2018 135.958.000.000 -15.16%
2019 130.270.000.000 -4.37%
2020 135.102.000.000 3.58%
2021 125.206.000.000 -7.9%
2022 117.688.000.000 -6.39%
2023 118.605.000.000 0.77%
2023 111.093.000.000 -6.76%
2024 95.296.000.000 -16.58%

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 Towa Bank, Ltd. Assets
Year Assets Growth
2005 1.786.372.000.000
2006 1.744.309.000.000 -2.41%
2007 1.713.599.000.000 -1.79%
2008 1.706.928.000.000 -0.39%
2009 1.734.840.000.000 1.61%
2010 1.775.249.000.000 2.28%
2011 1.825.030.000.000 2.73%
2012 1.879.865.000.000 2.92%
2013 1.941.877.000.000 3.19%
2014 2.060.418.000.000 5.75%
2015 2.166.077.000.000 4.88%
2016 2.252.199.000.000 3.82%
2017 2.331.358.000.000 3.4%
2018 2.303.026.000.000 -1.23%
2019 2.329.468.000.000 1.14%
2020 2.551.480.000.000 8.7%
2021 2.566.787.000.000 0.6%
2022 2.390.395.000.000 -7.38%
2023 2.405.654.000.000 0.63%
2023 2.414.563.000.000 0.37%
2024 2.418.619.000.000 0.17%

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 Towa Bank, Ltd. Liabilities
Year Liabilities Growth
2005 1.722.748.000.000
2006 1.710.939.000.000 -0.69%
2007 1.677.231.000.000 -2.01%
2008 1.668.724.000.000 -0.51%
2009 1.660.234.000.000 -0.51%
2010 1.690.401.000.000 1.78%
2011 1.729.814.000.000 2.28%
2012 1.771.258.000.000 2.34%
2013 1.821.421.000.000 2.75%
2014 1.922.821.000.000 5.27%
2015 2.018.545.000.000 4.74%
2016 2.100.827.000.000 3.92%
2017 198.222.000.000 -959.84%
2018 2.167.068.000.000 90.85%
2019 2.199.198.000.000 1.46%
2020 2.416.378.000.000 8.99%
2021 2.441.581.000.000 1.03%
2022 115.890.000.000 -2006.81%
2023 2.287.049.000.000 94.93%
2023 106.090.000.000 -2055.76%
2024 119.190.000.000 10.99%

The Towa Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
640.33
Net Income per Share
78.71
Price to Earning Ratio
7.46x
Price To Sales Ratio
0.71x
POCF Ratio
17.38
PFCF Ratio
13.41
Price to Book Ratio
0.3
EV to Sales
-2.15
EV Over EBITDA
-23.09
EV to Operating CashFlow
-40.84
EV to FreeCashFlow
-40.84
Earnings Yield
0.13
FreeCashFlow Yield
0.07
Market Cap
21,76 Bil.
Enterprise Value
-66,24 Bil.
Graham Number
1869.54
Graham NetNet
1832.66

Income Statement Metrics

Net Income per Share
78.71
Income Quality
0.43
ROE
0.03
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.87
EBT Per Ebit
1
Ebit per Revenue
0.14
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.65
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.14
Pretax Profit Margin
0.14
Net Profit Margin
0.12

Dividends

Dividend Yield
0.02
Dividend Yield %
1.7
Payout Ratio
0
Dividend Per Share
10

Operating Metrics

Operating Cashflow per Share
33.78
Free CashFlow per Share
33.78
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
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
0

Balance Sheet

Cash per Share
4.315,04
Book Value per Share
47.890,36
Tangible Book Value per Share
47812.05
Shareholders Equity per Share
1973.7
Interest Debt per Share
2484.84
Debt to Equity
1.26
Debt to Assets
0.05
Net Debt to EBITDA
-30.67
Current Ratio
54.41
Tangible Asset Value
2.295,67 Bil.
Net Current Asset Value
87,99 Bil.
Invested Capital
230035000000
Working Capital
203,38 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.48

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 Towa Bank, Ltd. Dividends
Year Dividends Growth
2001 3
2004 3 33.33%
2005 3 0%
2006 3 0%
2010 1 -200%
2011 1 0%
2012 2 50%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 1 -100%
2018 30 96.67%
2019 40 25%
2020 40 0%
2021 40 0%
2022 25 -60%
2023 25 0%
2024 10 -150%
2025 0 0%

The Towa Bank, Ltd. Profile

About The Towa Bank, Ltd.

The Towa Bank, Ltd. provides various banking products and services. The company was founded in 1917 and is based in Maebashi, Japan.

CEO
Mr. Hiroshi Ebara
Employee
1.257
Address
2-12-6 Hon-machi
Maebashi,

The Towa Bank, Ltd. Executives & BODs

The Towa Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Isao Kitazume
Senior Managing Executive Officer & Director
70
2 Kazuyoshi Shiraishi
Managing Executive Officer
70
3 Wasa Takahisa
Managing Executive Officer
70
4 Mr. Shinichiro Suzuki
Managing Executive Officer & Director
70
5 Mr. Hiroyuki Sakurai
Chief Executive Officer, Vice President, Executive Officer & Director
70
6 Toru Kobayashi
Managing Executive Officer
70
7 Mr. Susumu Okabe
Managing Executive Officer & Director
70
8 Masahiko Hijikata
Head of Fund Management Department
70
9 Mr. Hiroshi Ebara
President, Chief Executive Officer, Executive Officer & Representative Director
70

The Towa Bank, Ltd. Competitors