TMBThanachart Bank Public Company Limited Logo

TMBThanachart Bank Public Company Limited

TMLF.F

(3.5)
Stock Price

0,04 EUR

1.15% ROA

8.8% ROE

6.15x PER

Market Cap.

182.442.354.402,74 EUR

51.38% DER

12.7% Yield

28.54% NPM

TMBThanachart Bank Public Company Limited Stock Analysis

TMBThanachart Bank Public Company Limited 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.

TMBThanachart Bank Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.5x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

The stock's ROE falls within an average range (5.4%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.66%) 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.

6 DER

The stock has a reasonable amount of debt compared to its ownership (64%), suggesting a balanced financial position and a moderate level of risk.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 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.

9 Graham Number

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

10 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

11 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (5) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

TMBThanachart Bank Public Company Limited 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.

TMBThanachart Bank Public Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

TMBThanachart Bank Public Company Limited 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.

TMBThanachart Bank Public Company Limited Revenue
Year Revenue Growth
2002 9.508.870.204
2003 10.766.174.007 11.68%
2004 14.576.026.974 26.14%
2005 19.499.586.514 25.25%
2006 21.445.134.293 9.07%
2007 23.033.141.276 6.89%
2008 23.008.607.790 -0.11%
2009 22.547.741.884 -2.04%
2010 17.575.722.506 -28.29%
2011 20.802.578.000 15.51%
2012 24.006.164.000 13.34%
2013 28.998.586.000 17.22%
2014 29.684.012.000 2.31%
2015 33.450.483.000 11.26%
2016 35.222.349.000 5.03%
2017 37.438.566.000 5.92%
2018 36.126.053.000 -3.63%
2019 39.496.959.000 8.53%
2020 66.802.524.000 40.88%
2021 63.902.837.000 -4.54%
2022 65.552.417.000 2.52%
2023 71.672.948.000 8.54%
2023 70.695.545.000 -1.38%
2024 69.248.364.000 -2.09%

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.

TMBThanachart Bank Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 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%
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.

TMBThanachart Bank Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 6.102.880.745 100%
2008 7.320.925.964 16.64%
2009 7.903.743.281 7.37%
2010 8.929.426.334 11.49%
2011 6.892.291.000 -29.56%
2012 7.248.392.000 4.91%
2013 7.627.126.000 4.97%
2014 8.085.455.000 5.67%
2015 8.211.017.000 1.53%
2016 8.396.035.000 2.2%
2017 8.880.191.000 5.45%
2018 8.533.704.000 -4.06%
2019 10.008.029.000 14.73%
2020 16.602.059.000 39.72%
2021 16.553.882.000 -0.29%
2022 16.066.184.000 -3.04%
2023 16.881.956.000 4.83%
2023 16.795.256.000 -0.52%
2024 15.226.720.000 -10.3%

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.

TMBThanachart Bank Public Company Limited EBITDA
Year EBITDA Growth
2002 568.436.034
2003 -13.296.134.619 104.28%
2004 2.019.250.797 758.47%
2005 9.548.835.817 78.85%
2006 -11.838.498.502 180.66%
2007 -42.781.380.304 72.33%
2008 884.913.051 4934.53%
2009 3.266.307.720 72.91%
2010 4.458.584.769 26.74%
2011 5.257.661.000 15.2%
2012 2.628.681.000 -100.01%
2013 8.139.640.000 67.71%
2014 11.944.843.000 31.86%
2015 12.663.352.000 5.67%
2016 11.219.810.000 -12.87%
2017 12.030.483.000 6.74%
2018 15.892.610.000 24.3%
2019 10.539.543.000 -50.79%
2020 16.646.534.000 36.69%
2021 17.603.070.000 5.43%
2022 21.692.242.000 18.85%
2023 27.493.428.000 21.1%
2023 21.476.491.000 -28.02%
2024 23.713.168.000 9.43%

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.

TMBThanachart Bank Public Company Limited Gross Profit
Year Gross Profit Growth
2002 9.508.870.204
2003 10.766.174.007 11.68%
2004 14.576.026.974 26.14%
2005 19.499.586.514 25.25%
2006 21.445.134.293 9.07%
2007 23.033.141.276 6.89%
2008 23.008.607.790 -0.11%
2009 22.547.741.884 -2.04%
2010 17.575.722.506 -28.29%
2011 20.802.578.000 15.51%
2012 24.006.164.000 13.34%
2013 28.998.586.000 17.22%
2014 29.684.012.000 2.31%
2015 33.450.483.000 11.26%
2016 35.222.349.000 5.03%
2017 37.438.566.000 5.92%
2018 36.126.053.000 -3.63%
2019 39.496.959.000 8.53%
2020 66.802.524.000 40.88%
2021 63.902.837.000 -4.54%
2022 65.552.417.000 2.52%
2023 71.672.948.000 8.54%
2023 70.695.545.000 -1.38%
2024 69.248.364.000 -2.09%

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.

TMBThanachart Bank Public Company Limited Net Profit
Year Net Profit Growth
2002 -160.322.596
2003 -14.054.405.127 98.86%
2004 948.203.133 1582.21%
2005 7.800.490.503 87.84%
2006 -12.292.201.455 163.46%
2007 -43.676.945.294 71.86%
2008 423.657.943 10409.48%
2009 1.945.180.145 78.22%
2010 3.202.237.000 39.26%
2011 4.009.237.000 20.13%
2012 1.261.112.000 -217.91%
2013 5.737.345.000 78.02%
2014 9.538.876.000 39.85%
2015 9.333.069.000 -2.21%
2016 8.226.258.000 -13.45%
2017 8.686.655.000 5.3%
2018 11.601.235.000 25.12%
2019 7.222.478.000 -60.63%
2020 10.112.182.000 28.58%
2021 10.474.045.000 3.45%
2022 14.195.190.000 26.21%
2023 18.939.560.000 25.05%
2023 18.462.181.000 -2.59%
2024 21.421.896.000 13.82%

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.

TMBThanachart Bank Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 -3 100%
2004 0 0%
2005 1 0%
2006 -1 0%
2007 -2 100%
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%

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.

TMBThanachart Bank Public Company Limited Free Cashflow
Year Free Cashflow Growth
2002 -8.846.197.130
2003 -256.999.377 -3342.11%
2004 64.518.417.894 100.4%
2005 16.928.247.680 -281.13%
2006 23.380.575.526 27.6%
2007 -51.380.754.529 145.5%
2008 -14.001.096.704 -266.98%
2009 5.460.622.070 356.4%
2010 10.072.397.648 45.79%
2011 15.775.274.000 36.15%
2012 -17.517.658.000 190.05%
2013 -1.780.985.000 -883.59%
2014 -5.151.425.000 65.43%
2015 129.315.000 4083.63%
2016 -38.525.953.000 100.34%
2017 16.776.448.000 329.64%
2018 -1.926.798.000 970.69%
2019 17.088.848.000 111.28%
2020 -6.292.530.000 371.57%
2021 67.839.226.000 109.28%
2022 46.553.409.000 -45.72%
2023 -23.014.593.000 302.28%
2023 -8.512.218.000 -170.37%
2024 28.630.948.000 129.73%

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.

TMBThanachart Bank Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2002 -8.452.362.209
2003 174.593.332 4941.17%
2004 64.718.029.481 99.73%
2005 18.571.318.374 -248.48%
2006 26.224.356.052 29.18%
2007 -49.802.187.477 152.66%
2008 -13.452.478.879 -270.21%
2009 6.555.158.013 305.22%
2010 11.035.693.578 40.6%
2011 16.963.183.000 34.94%
2012 -16.171.064.000 204.9%
2013 -155.004.000 -10332.68%
2014 -4.125.611.000 96.24%
2015 1.492.137.000 376.49%
2016 -36.203.665.000 104.12%
2017 18.559.367.000 295.07%
2018 165.148.000 -11138.02%
2019 19.509.556.000 99.15%
2020 -2.611.614.000 847.03%
2021 71.317.325.000 103.66%
2022 49.213.586.000 -44.91%
2023 -20.449.064.000 340.66%
2023 -7.826.768.000 -161.27%
2024 29.253.002.000 126.76%

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.

TMBThanachart Bank Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2002 393.834.921
2003 431.592.709 8.75%
2004 199.611.587 -116.22%
2005 1.643.070.694 87.85%
2006 2.843.780.526 42.22%
2007 1.578.567.052 -80.15%
2008 548.617.825 -187.74%
2009 1.094.535.943 49.88%
2010 963.295.930 -13.62%
2011 1.187.909.000 18.91%
2012 1.346.594.000 11.78%
2013 1.625.981.000 17.18%
2014 1.025.814.000 -58.51%
2015 1.362.822.000 24.73%
2016 2.322.288.000 41.32%
2017 1.782.919.000 -30.25%
2018 2.091.946.000 14.77%
2019 2.420.708.000 13.58%
2020 3.680.916.000 34.24%
2021 3.478.099.000 -5.83%
2022 2.660.177.000 -30.75%
2023 2.565.529.000 -3.69%
2023 685.450.000 -274.28%
2024 622.054.000 -10.19%

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.

TMBThanachart Bank Public Company Limited Equity
Year Equity Growth
2002 14.285.777.261
2003 27.476.502.165 48.01%
2004 45.156.231.648 39.15%
2005 51.247.762.184 11.89%
2006 48.000.385.712 -6.77%
2007 44.520.402.893 -7.82%
2008 45.046.385.361 1.17%
2009 47.268.069.166 4.7%
2010 49.855.077.432 5.19%
2011 52.281.711.000 4.64%
2012 53.669.275.000 2.59%
2013 61.833.387.000 13.2%
2014 69.793.036.000 11.4%
2015 76.598.363.000 8.88%
2016 83.847.806.000 8.65%
2017 89.855.547.000 6.69%
2018 98.778.913.000 9.03%
2019 194.811.481.000 49.3%
2020 204.749.725.000 4.85%
2021 210.835.695.000 2.89%
2022 219.007.582.000 3.73%
2023 229.347.133.000 4.51%
2023 223.641.145.000 -2.55%
2024 234.635.368.000 4.69%

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.

TMBThanachart Bank Public Company Limited Assets
Year Assets Growth
2002 391.265.114.130
2003 378.995.598.184 -3.24%
2004 670.127.210.840 43.44%
2005 716.801.262.004 6.51%
2006 749.057.647.798 4.31%
2007 622.161.484.773 -20.4%
2008 601.985.428.742 -3.35%
2009 543.653.317.233 -10.73%
2010 589.592.461.838 7.79%
2011 718.643.326.000 17.96%
2012 712.147.020.000 -0.91%
2013 765.731.926.000 7%
2014 810.167.051.000 5.48%
2015 838.937.281.000 3.43%
2016 821.000.082.000 -2.18%
2017 843.871.768.000 2.71%
2018 891.713.310.000 5.37%
2019 1.858.190.275.000 52.01%
2020 1.808.331.830.000 -2.76%
2021 1.759.180.734.000 -2.79%
2022 1.826.278.876.000 3.67%
2023 1.824.433.718.000 -0.1%
2023 1.772.044.332.000 -2.96%
2024 1.791.034.000.000 1.06%

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.

TMBThanachart Bank Public Company Limited Liabilities
Year Liabilities Growth
2002 376.979.336.869
2003 351.519.096.019 -7.24%
2004 624.970.979.192 43.75%
2005 665.553.499.820 6.1%
2006 701.057.262.086 5.06%
2007 577.641.081.880 -21.37%
2008 556.939.043.381 -3.72%
2009 496.385.248.067 -12.2%
2010 539.737.384.406 8.03%
2011 666.361.615.000 19%
2012 658.477.745.000 -1.2%
2013 703.898.539.000 6.45%
2014 740.374.015.000 4.93%
2015 762.338.918.000 2.88%
2016 737.152.276.000 -3.42%
2017 754.016.221.000 2.24%
2018 792.934.397.000 4.91%
2019 1.663.378.794.000 52.33%
2020 1.603.582.105.000 -3.73%
2021 1.548.345.039.000 -3.57%
2022 1.607.271.294.000 3.67%
2023 1.595.086.585.000 -0.76%
2023 170.848.149.000 -833.63%
2024 1.556.398.632.000 89.02%

TMBThanachart Bank Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.73
Net Income per Share
0.21
Price to Earning Ratio
6.15x
Price To Sales Ratio
2.57x
POCF Ratio
10.51
PFCF Ratio
20
Price to Book Ratio
0.53
EV to Sales
0.83
EV Over EBITDA
2.88
EV to Operating CashFlow
4.99
EV to FreeCashFlow
6.49
Earnings Yield
0.16
FreeCashFlow Yield
0.05
Market Cap
182,44 Bil.
Enterprise Value
59,21 Bil.
Graham Number
3.36
Graham NetNet
-7.96

Income Statement Metrics

Net Income per Share
0.21
Income Quality
0.72
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
1.24
EBT Per Ebit
1
Ebit per Revenue
0.23
Effective Tax Rate
-0.24

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.23
Pretax Profit Margin
0.23
Net Profit Margin
0.29

Dividends

Dividend Yield
0.13
Dividend Yield %
12.7
Payout Ratio
0.5
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.12
Free CashFlow per Share
0.09
Capex to Operating CashFlow
0.23
Capex to Revenue
0.04
Capex to Depreciation
0.66
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
2863.14
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.13
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.03

Balance Sheet

Cash per Share
3,74
Book Value per Share
2,41
Tangible Book Value per Share
2.17
Shareholders Equity per Share
2.41
Interest Debt per Share
1.5
Debt to Equity
0.51
Debt to Assets
0.07
Net Debt to EBITDA
-6
Current Ratio
2247
Tangible Asset Value
211,05 Bil.
Net Current Asset Value
-635,13 Bil.
Invested Capital
963229719000
Working Capital
920,86 Bil.
Intangibles to Total Assets
0.01
Average Receivables
557,62 Bil.
Average Payables
0,21 Bil.
Average Inventory
0
Debt to Market Cap
0.66

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.

TMBThanachart Bank Public Company Limited Dividends
Year Dividends Growth
2011 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%

TMBThanachart Bank Public Company Limited Profile

About TMBThanachart Bank Public Company Limited

TMBThanachart Bank Public Company Limited, together with its subsidiaries, provides various commercial banking products and services to individuals, small and medium sized enterprises (SME), and corporate customers primarily in Thailand. It operates through Commercial Banking and Retail Banking segments. The company offers basic, current, cash concentration, corporate liquidity, term and foreign currency deposit, multi-currency, and savings accounts; working capital, personal, home, auto, credit card, long-term, unsecured, and other loans, as well as special funding programs for SME, letter of guarantee, and supply chain solutions; and debit, credit, and corporate cards. It also provides trade finance, foreign exchange and currency, financial management, hire purchase, finance leasing, bancassurance, and mutual funds, asset management, insurance brokerage, investment banking and advisory, import and export trading, payment, collection, liquidity management, capital market risk management, agency, and other financial services. In addition, the company offers wealth banking, mobile and Internet banking services; mutual funds; and business and properties protection, life and health, personal accident, motor, and travel insurance products. As of December 31, 2021, it operated 636 branches; 3,043 ATMs; and 598 CDMs. The company was formerly known as TMB Bank Public Company Limited and changed its name to TMBThanachart Bank Public Company Limited in May 2021. TMBThanachart Bank Public Company Limited was founded in 1957 and is headquartered in Bangkok, Thailand.

CEO
Mr. Piti Tantakasem Ph.D.
Employee
0
Address
3000 Phahon Yothin Road
Bangkok, 10900

TMBThanachart Bank Public Company Limited Executives & BODs

TMBThanachart Bank Public Company Limited Executives & BODs
# Name Age
1 Ms. Dararat Urapanthamat
Head of Investor Relations
70
2 Mr. Yongyoot Luangrattanamart
Head of Investment Banking
70
3 Mr. Mate Kanokpibool
Financial Controller & Chief Accounting Officer
70
4 Mr. Rachakorn Chayapirad
Chief Technology Group
70
5 Mr. Piti Tantakasem Ph.D.
Chief Executive Officer & Executive Director
70
6 Mr. Thakorn Piyapan
President
70
7 Mr. Sutthikan Rungsrithong
Chief Information Officer
70
8 Ms. Rattana Arkachaisri
Chief Operating Officer
70
9 Ms. Somkid Preechasammakul
Chief Financial Officer
70
10 Mr. Navin Intharasombat
Head of Investment Office
70

TMBThanachart Bank Public Company Limited Competitors