Auswide Bank Ltd Logo

Auswide Bank Ltd

ABA.AX

(2.2)
Stock Price

4,29 AUD

0.22% ROA

3.87% ROE

16.57x PER

Market Cap.

205.700.237,00 AUD

213.59% DER

5.51% Yield

4.23% NPM

Auswide Bank Ltd Stock Analysis

Auswide 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.

Auswide Bank Ltd Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.79x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (9.31%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.56%) 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 Assets Growth

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

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (17), 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 (271%), making it financially unstable and potentially risky for investors.

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 stagnant over the past five years, indicating a lack of growth and making it a less favorable investment 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.

Auswide 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.

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

Auswide 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.

Auswide Bank Ltd Revenue
Year Revenue Growth
1994 -13.557.000
1995 -19.848.000 31.7%
1996 -25.600.448 22.47%
1997 -27.568.906 7.14%
1998 -25.381.216 -8.62%
1999 -26.719.060 5.01%
2000 -35.448.028 24.62%
2001 -47.673.000 25.64%
2002 20.088.000 337.32%
2003 24.760.686 18.87%
2004 26.944.005 8.1%
2005 36.312.316 25.8%
2006 39.096.895 7.12%
2007 42.312.200 7.6%
2008 46.900.950 9.78%
2009 54.229.068 13.51%
2010 57.401.824 5.53%
2011 54.310.920 -5.69%
2012 53.141.680 -2.2%
2013 40.319.060 -31.8%
2014 59.531.262 32.27%
2015 59.805.479 0.46%
2016 63.564.000 5.91%
2017 66.289.000 4.11%
2018 69.048.000 4%
2019 71.506.000 3.44%
2020 68.198.000 -4.85%
2020 136.211.000 49.93%
2021 121.359.000 -12.24%
2022 118.355.000 -2.54%
2023 200.904.000 41.09%
2024 551.088.000 63.54%

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.

Auswide Bank Ltd Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 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%
2020 0 0%
2021 0 0%
2022 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.

Auswide Bank Ltd General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 11.127.066 100%
2002 12.720.000 12.52%
2003 7.997.722 -59.05%
2004 9.255.176 13.59%
2005 17.967.414 48.49%
2006 18.656.593 3.69%
2007 19.026.254 1.94%
2008 23.014.297 17.33%
2009 27.048.518 14.91%
2010 26.887.231 -0.6%
2011 24.030.589 -11.89%
2012 26.279.785 8.56%
2013 26.224.526 -0.21%
2014 27.437.599 4.42%
2015 9.020.336 -204.17%
2016 13.672.000 34.02%
2017 10.513.000 -30.05%
2018 10.671.000 1.48%
2019 9.759.000 -9.35%
2020 31.990.000 69.49%
2020 10.406.000 -207.42%
2021 11.501.000 9.52%
2022 13.855.000 16.99%
2023 15.461.000 10.39%
2024 0 0%

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.

Auswide Bank Ltd EBITDA
Year EBITDA Growth
1994 -13.557.000
1995 -19.848.000 31.7%
1996 31.157.321 163.7%
1997 33.364.604 6.62%
1998 31.343.561 -6.45%
1999 33.116.419 5.35%
2000 42.900.021 22.81%
2001 60.590.463 29.2%
2002 54.239.383 -11.71%
2003 59.536.527 8.9%
2004 69.795.556 14.7%
2005 85.822.739 18.67%
2006 98.412.220 12.79%
2007 113.593.699 13.36%
2008 146.159.725 22.28%
2009 144.542.792 -1.12%
2010 138.371.611 -4.46%
2011 166.526.336 16.91%
2012 157.703.617 -5.59%
2013 108.179.598 -45.78%
2014 -359.638 30180.14%
2015 -359.610 -0.01%
2016 -429.000 16.17%
2017 -710.000 39.58%
2018 -459.000 -54.68%
2019 -685.000 32.99%
2020 86.268.000 100.79%
2020 -710.000 12250.42%
2021 -664.000 -6.93%
2022 -486.000 -36.63%
2023 -822.000 40.88%
2024 3.096.000 126.55%

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.

Auswide Bank Ltd Gross Profit
Year Gross Profit Growth
1994 -13.557.000
1995 -19.848.000 31.7%
1996 -25.600.448 22.47%
1997 -27.568.906 7.14%
1998 -25.381.216 -8.62%
1999 -26.719.060 5.01%
2000 -35.448.028 24.62%
2001 -47.673.000 25.64%
2002 20.088.000 337.32%
2003 24.760.686 18.87%
2004 26.944.005 8.1%
2005 36.312.316 25.8%
2006 39.096.895 7.12%
2007 42.312.200 7.6%
2008 46.900.950 9.78%
2009 54.229.068 13.51%
2010 57.401.824 5.53%
2011 54.310.920 -5.69%
2012 53.141.680 -2.2%
2013 40.319.060 -31.8%
2014 59.531.262 32.27%
2015 59.805.479 0.46%
2016 63.564.000 5.91%
2017 66.289.000 4.11%
2018 69.048.000 4%
2019 71.506.000 3.44%
2020 68.198.000 -4.85%
2020 136.211.000 49.93%
2021 121.359.000 -12.24%
2022 118.355.000 -2.54%
2023 200.904.000 41.09%
2024 551.088.000 63.54%

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.

Auswide Bank Ltd Net Profit
Year Net Profit Growth
1994 0
1995 0 0%
1996 -2.818 100%
1997 -30.000 90.61%
1998 5.103 687.89%
1999 -50.000 110.21%
2000 -76.125 34.32%
2001 1.219.610 106.24%
2002 110.000 -1008.74%
2003 51.944 -111.77%
2004 58.869 11.76%
2005 39.151 -50.36%
2006 14.478.411 99.73%
2007 14.839.858 2.44%
2008 18.159.600 18.28%
2009 17.052.761 -6.49%
2010 22.302.436 23.54%
2011 22.675.036 1.64%
2012 19.040.249 -19.09%
2013 2.452.505 -676.36%
2014 14.062.638 82.56%
2015 13.261.991 -6.04%
2016 11.698.923 -13.36%
2017 15.149.000 22.77%
2018 17.886.000 15.3%
2019 17.201.000 -3.98%
2020 18.504.000 7.04%
2020 18.504.000 0%
2021 24.155.000 23.39%
2022 26.132.000 7.57%
2023 25.067.000 -4.25%
2024 14.272.000 -75.64%

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.

Auswide Bank Ltd Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 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%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 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.

Auswide Bank Ltd Free Cashflow
Year Free Cashflow Growth
1994 -693.000
1995 -13.055.000 94.69%
1996 -671.522 -1844.09%
1997 -749.000 10.34%
1998 -867.000 13.61%
1999 -781.000 -11.01%
2000 -677.099 -15.35%
2001 -1.101.000 38.5%
2002 -697.000 -57.96%
2003 -285.788 -143.89%
2004 -1.174.806 75.67%
2005 -1.619.650 27.47%
2006 -2.100.873 22.91%
2007 -1.747.402 -20.23%
2008 -53.241.589 96.72%
2009 -1.100.206 -4739.24%
2010 -477.456 -130.43%
2011 -1.109.736 56.98%
2012 -1.330.172 16.57%
2013 10.847.323 112.26%
2014 9.813.191 -10.54%
2015 27.587.130 64.43%
2016 12.168.000 -126.72%
2017 13.245.000 8.13%
2018 36.656.000 63.87%
2019 34.426.000 -6.48%
2020 4.321.000 -696.71%
2021 27.342.000 84.2%
2022 43.331.000 36.9%
2023 37.570.000 -15.33%
2024 32.629.000 -15.14%

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.

Auswide Bank Ltd Operating Cashflow
Year Operating Cashflow Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 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 12.167.577 100%
2014 12.480.675 2.51%
2015 30.349.070 58.88%
2016 17.436.000 -74.06%
2017 19.246.000 9.4%
2018 38.335.000 49.8%
2019 35.645.000 -7.55%
2020 7.168.000 -397.28%
2021 29.239.000 75.48%
2022 46.074.000 36.54%
2023 39.875.000 -15.55%
2024 33.517.000 -18.97%

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.

Auswide Bank Ltd Capital Expenditure
Year Capital Expenditure Growth
1994 693.000
1995 13.055.000 94.69%
1996 671.522 -1844.09%
1997 749.000 10.34%
1998 867.000 13.61%
1999 781.000 -11.01%
2000 677.099 -15.35%
2001 1.101.000 38.5%
2002 697.000 -57.96%
2003 285.788 -143.89%
2004 1.174.806 75.67%
2005 1.619.650 27.47%
2006 2.100.873 22.91%
2007 1.747.402 -20.23%
2008 53.241.589 96.72%
2009 1.100.206 -4739.24%
2010 477.456 -130.43%
2011 1.109.736 56.98%
2012 1.330.172 16.57%
2013 1.320.254 -0.75%
2014 2.667.484 50.51%
2015 2.761.940 3.42%
2016 5.268.000 47.57%
2017 6.001.000 12.21%
2018 1.679.000 -257.42%
2019 1.219.000 -37.74%
2020 2.847.000 57.18%
2021 1.897.000 -50.08%
2022 2.743.000 30.84%
2023 2.305.000 -19%
2024 888.000 -159.57%

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.

Auswide Bank Ltd Equity
Year Equity Growth
1994 19.669.000
1995 22.208.000 11.43%
1996 27.798.152 20.11%
1997 25.781.504 -7.82%
1998 27.787.002 7.22%
1999 29.898.462 7.06%
2000 39.109.584 23.55%
2001 42.159.080 7.23%
2002 76.804.558 45.11%
2003 79.925.616 3.9%
2004 79.806.426 -0.15%
2005 82.657.386 3.45%
2006 88.355.907 6.45%
2007 92.517.079 4.5%
2008 140.027.988 33.93%
2009 150.978.190 7.25%
2010 160.586.692 5.98%
2011 194.696.312 17.52%
2012 198.622.949 1.98%
2013 186.921.937 -6.26%
2014 195.978.258 4.62%
2015 199.990.072 2.01%
2016 216.655.000 7.69%
2017 223.708.000 3.15%
2018 236.742.000 5.51%
2019 238.497.000 0.74%
2020 242.038.000 1.46%
2021 256.536.999 5.65%
2022 282.062.000 9.05%
2023 293.878.000 4.02%
2024 289.785.000 -1.41%

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.

Auswide Bank Ltd Assets
Year Assets Growth
1994 372.283.008
1995 413.197.000 9.9%
1996 463.309.485 10.82%
1997 589.021.158 21.34%
1998 635.318.867 7.29%
1999 741.306.458 14.3%
2000 923.884.648 19.76%
2001 582.931.660 -58.49%
2002 617.560.831 5.61%
2003 767.798.965 19.57%
2004 841.893.332 8.8%
2005 889.985.798 5.4%
2006 1.645.119.640 45.9%
2007 1.731.419.794 4.98%
2008 2.277.705.687 23.98%
2009 2.478.095.770 8.09%
2010 2.724.910.851 9.06%
2011 2.708.893.026 -0.59%
2012 2.696.594.943 -0.46%
2013 2.672.380.982 -0.91%
2014 2.634.195.381 -1.45%
2015 2.717.023.553 3.05%
2016 3.072.411.000 11.57%
2017 3.289.978.000 6.61%
2018 3.349.615.000 1.78%
2019 3.603.402.000 7.04%
2020 3.790.042.000 4.92%
2021 4.158.524.999 8.86%
2022 4.504.563.000 7.68%
2023 5.059.537.000 10.97%
2024 5.259.731.000 3.81%

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.

Auswide Bank Ltd Liabilities
Year Liabilities Growth
1994 352.614.008
1995 390.989.000 9.81%
1996 435.511.333 10.22%
1997 563.239.654 22.68%
1998 607.531.865 7.29%
1999 711.407.996 14.6%
2000 884.775.064 19.59%
2001 540.772.580 -63.61%
2002 540.756.273 -0%
2003 687.873.349 21.39%
2004 762.086.906 9.74%
2005 807.328.412 5.6%
2006 1.556.763.733 48.14%
2007 1.638.902.715 5.01%
2008 2.137.677.699 23.33%
2009 2.327.117.580 8.14%
2010 2.564.324.159 9.25%
2011 2.514.196.714 -1.99%
2012 2.497.971.994 -0.65%
2013 2.485.459.045 -0.5%
2014 2.438.217.123 -1.94%
2015 2.517.033.481 3.13%
2016 2.855.756.000 11.86%
2017 3.066.270.000 6.87%
2018 3.112.873.000 1.5%
2019 3.364.905.000 7.49%
2020 3.548.004.000 5.16%
2021 3.901.988.000 9.07%
2022 4.222.501.000 7.59%
2023 4.765.659.000 11.4%
2024 4.969.946.000 4.11%

Auswide Bank Ltd Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.7
Net Income per Share
0.24
Price to Earning Ratio
16.57x
Price To Sales Ratio
0.77x
POCF Ratio
4.25
PFCF Ratio
5.08
Price to Book Ratio
0.64
EV to Sales
3.41
EV Over EBITDA
569.55
EV to Operating CashFlow
20.73
EV to FreeCashFlow
22.39
Earnings Yield
0.06
FreeCashFlow Yield
0.2
Market Cap
0,21 Bil.
Enterprise Value
0,91 Bil.
Graham Number
5.8
Graham NetNet
-108.34

Income Statement Metrics

Net Income per Share
0.24
Income Quality
3.9
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.69
EBT Per Ebit
1.48
Ebit per Revenue
0.04
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.04
Pretax Profit Margin
0.06
Net Profit Margin
0.04

Dividends

Dividend Yield
0.06
Dividend Yield %
5.51
Payout Ratio
1.03
Dividend Per Share
0.22

Operating Metrics

Operating Cashflow per Share
0.94
Free CashFlow per Share
0.87
Capex to Operating CashFlow
0.07
Capex to Revenue
0.01
Capex to Depreciation
2.03
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
0.07

Balance Sheet

Cash per Share
-1,75
Book Value per Share
6,21
Tangible Book Value per Share
5.22
Shareholders Equity per Share
6.21
Interest Debt per Share
13.64
Debt to Equity
2.14
Debt to Assets
0.12
Net Debt to EBITDA
440.43
Current Ratio
0.12
Tangible Asset Value
0,24 Bil.
Net Current Asset Value
-4,71 Bil.
Invested Capital
-1777192000
Working Capital
-1,84 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.01

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.

Auswide Bank Ltd Dividends
Year Dividends Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 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%
2024 0 0%

Auswide Bank Ltd Profile

About Auswide Bank Ltd

Auswide Bank Ltd provides various personal and business banking products and services in Australia. The company accepts personal and business accounts, and term deposits; cash management; and home, car, personal, home renovation, and business loans, as well as overdrafts. It also offers consumer lending; credit cards; self managed superannuation fund accounts; and home, car, caravan and trailer, boat, and travel insurance products. In addition, the company provides foreign exchange, financial advisory, online banking, and business support services. The company was formerly known as Wide Bay Australia Ltd and changed its name to Auswide Bank Ltd in April 2015. Auswide Bank Ltd was founded in 1966 and is headquartered in Bundaberg, Australia.

CEO
Mr. Douglas R. Snell
Employee
239
Address
16-20 Barolin Street
Bundaberg, 4670

Auswide Bank Ltd Executives & BODs

Auswide Bank Ltd Executives & BODs
# Name Age
1 Rebecca Stephens
Chief Transformation Officer
70
2 Mark McKendry
Group Treasurer
70
3 Mr. Damian R. Hearne BEd, MBA
Chief Customer Officer
70
4 Ms. Danielle Ryan
Group Executive of Operations & Technology
70
5 Mr. Craig A. Lonergan AMIIA, F Fin, MBA
Chief Risk Officer
70
6 Mr. William Ray Schafer B.Com., C.A.
Company Secretary & Chief Financial Officer
70
7 Mr. Scott D. Johnson
Chief Information Officer
70
8 Ms. Gayle M. Job F.I.F.S.
Chief People & Property Officer
70
9 Ms. Joanne Norris
Administration Manager
70
10 Mr. Douglas R. Snell
MD, Chief Executive Officer & Director
70

Auswide Bank Ltd Competitors