TSE: 7184 - The First Bank Of Toyama, Ltd.

Yield per half year: -0.6641%
Dividend yield: +3.33%

Reporting The First Bank Of Toyama, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								47.19
Выручка, млрд ¥	30.7	27.01	30.6	28.12	27.17	34.11	34.48	34.48	30.90	2.42
Чистая прибыль, млрд ¥	5.36	3.57	2.23	2.29	3.49	4.2	5.28	5.28	3.50	18.81
EV, млрд ¥	43.76	5.43	-0.2724	7.22	29.06	-13.08	45.89	45.89	13.76	-378.81
EBIT, млрд ¥	8.45	4.92	3.65	3.61	4.92	6.08	8.91	8.91	5.43	19.54
EBITDA, млрд ¥	9.81	6.09	4.71	4.71	5.93	7.05	9.9	9.9	6.46	16.02
Баланс стоимость, млрд ¥	96.25	98.58	90.88	111.63	114.07	115.12	148.68	148.68	116.08	10.35
FCF, млрд ¥	-2.2	-10.27	77.68	-21.54	-4.79	-24.09	3.5	3.5	6.15	-46.20
Операционный денежный поток, млрд ¥	-1.7	-9.58	79.05	-21.1	-4.27	-23.7	4.5	4.5	6.90	-43.63
Операционная прибыль, млрд ¥	7.85	4.75	3.65	3.61	3.66	4.93	22.14	22.14	7.60	43.41
Операционные расходы, млрд ¥	22.35	20.37	26.5	21.6	18.89	27.18	12.34	12.34	21.30	-14.17
CAPEX, млрд ¥	0.493	0.685	1.37	0.434	0.527	0.389	0.569	0.569	0.6578	-16.12

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	5.8	10.77	7.17	7.68	1 335.99	11.01	7.88	9.32	2.31	19.02	9.91	11.55
Чистая прибыль, млрд ¥	-0.189	2.32	0.324	1.81	-39.91	3.45	-0.643	2.91	-0.433	7.98	2.65	18.26
EV, млрд ¥	29.05	-36.96	8.6	24.56	-2 079.6	-19.95	21.02	-13.07	45.63	1.21	6.97	-157.09
EBIT, млрд ¥	-0.071	3.19	0.496	2.61	-97.89	4.92	0.093	4.13	-0.229	11.57	4.10	18.65
EBITDA, млрд ¥	-0.137	3.23	0.562	2.62	-60.49	5.15	0.329	4.39	0.033	11.84	4.35	18.12
Баланс стоимость, млрд ¥	114.07	116.57	114.68	110.09	18 087.77	131.51	132.95	132.23	148.68	159.62	141.00	3.95
FCF, млрд ¥				0.492	74.79	0.466	0.472	0.514			15.35	0.88
Операционный денежный поток, млрд ¥	-4.27		30.78	0.492	74.79	0.466	0.472	0.514			15.35	0.88
Операционная прибыль, млрд ¥	-0.071	3.23	0.562	2.62	-60.49	4.88	0.068	4.1	0.096	15.77	4.98	26.44
Операционные расходы, млрд ¥	2.87	7.31	6.58	5.07	1 290.58	6.09	7.78	5.2	7.29	3.26	5.92	-11.75
CAPEX, млрд ¥	0.527		0.196		61.12						20.61	387.67

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	40.66	50.63	67.96	75	55.07	74.9	68.64	68.64	68.31	0.20
Short Term Investments ¥							506.49	506.49	506.49	0.00
Total Current Assets ¥		888.7	67.96	75	55.07	74.9	68.64	68.64	68.31	0.20
Чистые активы, млрд ¥	883.09	888.7	67.96	75	9.17	8.35		8.35	209.84	-60.68
Активы, млрд ¥	1 356.56	1 338.17	1 391.33	1 428.62	1 466.35	1 485.66	1 580.81	1 580.81	1470.55	2.59
Short Term Debt ¥		29.97	49.38	60.66	62.74	23.56	41.87	41.87	47.64	-3.25
Long Term Debt ¥		16.38		46.65	53.41	23.97		23.97	35.10	9.99
Задолженность, млрд ¥	1 255.3	1 234.45	50.71	61.65	1 345.04	23.97	1 424.8	1 424.8	581.23	94.86
Чистый долг, млрд ¥	10.53	-19.25	-17.25	-13.35	8.35	-50.94	-15.47	-15.47	-17.7320	-2.15
Долг, млрд ¥	51.19	31.38	50.71	61.65	116.15	47.52	53.18	53.18	65.84	0.96
Расходы на обслуживание долга ¥		0.668	0.5	0.282	0.188	0.163	0.181	0.181	0.2628	-18.39
Чист. проц. доходы, млрд ¥	17.73	17.93	18.19	16.45	17.39	18.55	21.11	18.55	18.34	3.02
Амортизация, млрд ¥		1.17	1.06	1.11	1.01	0.971	0.988	0.988	1.03	-1.40
Себестоимость, млрд ¥							2.84	2.84	2.84	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ¥		55.07	118.25	89.03	73.51	11 768.42	88.15	71.67	86.55	68.64	92.89	81.58	1.05
Short Term Investments ¥										0.718		0.7180	0.00
Total Current Assets ¥		55.07	118.25	89.03	73.51	11 768.42	88.15	71.67	86.55	71.65	92.89	82.18	1.05
Чистые активы, млрд ¥	962.22	55.07	118.25	89.03	73.51	1 311.63	8.22					320.13	-41.33
Активы, млрд ¥		1 466.35	1 514.32	1 525.26	1 511.67	233 425.83	1 513.85	1 536.61	1 541.5	1 584.3	1 603.78	1556.01	1.16
Short Term Debt ¥					35	3 701.11		10	5	41.87	5	752.60	-73.32
Long Term Debt ¥				26.05	25.38	3 765.37						1272.27	424.81
Задолженность, млрд ¥		1 345.04	1 390.96	1 403.28	60.38	3 765.37	21.86	30.14	25.13	1 428.29	1 444.16	589.92	131.20
Чистый долг, млрд ¥		8.35	-63.34	-17.98	-13.14	-8 003.04	-66.29	-41.53	-61.43	-15.47	-75.24	-51.9920	2.57
Долг, млрд ¥		63.41	54.91	71.05	60.38	3 765.37	21.86	30.14	25.13	53.18	17.65	29.59	-4.19
Расходы на обслуживание долга ¥		0.042	0.047	0.042	0.036	5.97	0.042	0.043	0.047	0.049	0.021	0.0404	-12.94
Чист. проц. доходы, млрд ¥	4.76	3.96	5.51	4.09	4.82	649.53	857.4	721.81	999.12	4.7		646.51	-62.68
Амортизация, млрд ¥			0.04	0.066	0.017	37.39	0.233	0.236	0.257	0.262	0.274	0.2524	3.29
Себестоимость, млрд ¥										-5.05	8.67	1.81	-231.03

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	80.08	53.42	33.53	34.41	52.33	65.39	83.03		83.03	53.74	19.88
Цена акции ао					585	770	1068	1047	1047	867.50	15.66
Число акций ао, млн		66.89	66.57	66.57	66.61	64.28	63.64		63.64	65.53	-0.90
FCF/акцию	-32.86	-153.51	1166.84	-323.49	-71.97	-374.82	54.98		54.98	90.31	-45.72

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
EPS	-2.84	35.5	4.95	28.32	-623.5	53.97	-10.09	45.9	-6.83	124.39	41.47	18.18
FCF/акцию				7.7	7.44	7.29	7.41	8.11			7.59	1.04

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	5.65	3.67	2.36	2.26	3.09	3.67	4.01		4.01	8.26	3.08	11.19
ROA, %	0.3958	0.2652	0.1635	0.1625	0.2408	0.2848	0.3446		0.3446	4.26	0.2392	16.08
ROIC, %			2.14	1.41	1.94	3.53			3.53	7.02	2.25	13.33
ROS, %			7.29	8.15	12.83	12.32	15.32	15.32	15.32	9.08	12.79	13.45
ROCE, %	6.39	3.85	3.07	2.07	0.6657	0.7879	1.1	5.71	5.71	10.57	2.07	22.50
Ebit margin, %			10.9	12.34	18.09	17.83	25.85	25.85	25.85		19.99	15.94
Рентаб EBITDA, %	31.97	22.54	15.39	16.75	21.81	20.67	28.71	28.71	28.71	17.12	23.33	11.38
Чистая рентаб, %	17.45	13.23	7.29	8.15	12.83	12.32	15.32		15.32	9.08	11.18	16.01
Operation Margin, %			6.83	7.89	13.47	14.45	64.22	64.22	64.22	13.40	32.85	52.10

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	-0.1644	2.01	0.2803	1.58	-0.2228	2.97	-0.5352	2.32	-0.3277	5.7	8.26	2.03	13.93
ROA, %	-0.0129	0.1559	0.0213	0.1191	-0.0169	0.23	-0.0422	0.189	-0.0277	0.5005	4.26	0.1699	16.82
ROS, %						31.32	-8.16	31.22	-18.79	41.94	9.08	15.51	6.01
ROCE, %	-0.0385	1.71	0.2762	0.5098	-0.0782	0.6239	0.0118	0.5172	-0.0283	1.15	10.57	0.4549	13.01
Ebit margin, %						44.68	1.18	44.31	-9.93	60.81		28.21	6.36
Рентаб EBITDA, %	-2.36	29.95	7.84	34.16	-4.53	46.79	4.18	47.06	1.43	62.25	17.12	32.34	5.88
Чистая рентаб, %	-3.26	21.58	4.52	23.57	-2.99	31.32	-8.16	31.22	-18.79	41.94	9.08	15.51	6.01
Operation Margin, %						44.33	0.8633	43.96	4.16	82.88	13.40	35.24	13.33

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	6.21	6.91	7.61	8.98	5.94	9.01	11.61		11.61	131.14	8.63	8.82
P/BV	0.3282	0.238	0.0127	0.015	0.1708	0.0259	0.3933		0.3933	113.69	0.1235	98.69
P/S	1.08	0.9138	0.5548	0.7314	0.7624	1.11	1.78		1.78	113.74	0.9877	26.26
P/FCF						-1.96	13.49	13.49	13.49	8.14	8.34	-290.22
E/P						0.089	0.112	0.112	0.112	0.57	0.1043	7.96
EV/EBITDA	4.46	0.892	-0.0578	1.53	4.9	-1.85	4.63		4.63	159.64	1.83	-340.29
EV/EBIT			-0.0817	2.08	5.91	-2.15	5.15	5.15	5.15		3.23	19.88
EV/S			-0.0089	0.2567	1.07	-0.3833	1.33	1.33	1.33	113.14	0.7207	38.96
EV/FCF			-0.0035	-0.3353	-6.06	0.5427	13.11	13.11	13.11	122.22	4.07	-308.18
Debt/EBITDA	5.22	5.15	10.77	13.08	19.6	6.74	5.37	5.37	5.37	-23.98	10.03	-16.31
Netdebt/Ebitda			-5.48	-4.02	1.41	-7.22	-1.56	-1.56	-1.56	44.86	-2.5900	-17.25
Debt/Ratio			0.0364	0.0751	0.0792	0.032	0.0336	0.0336	0.0336	0.16	0.0507	-14.86
Debt/Equity			0.558	0.9614	1.02	0.4128	0.3577	6.37	6.37	40.25	1.82	45.96
Debt/Net Income			22.72	46.84	33.32	11.31	10.06	10.06	10.06	21.59	22.32	-26.48
Бета						-1.43	-1.35	0.7231	0.7231	-28.80	-0.6856	-179.67
Индекс Альтмана						-0.0198	-0.255	-0.2524	-0.2524	6.86	-0.1757	133.60

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	5.77		7.82	6.24	8.95		8.69		8.89		7.77		131.14	8.11	4.48
P/BV		0.1707	0.2139	0.2179	0.026	0.0258	0.0311	0.0415	0.0319	0.3916	0.479		113.69	0.1950	72.79
P/S		0.7621	0.8931	0.8537	1.23	1.11	1.35	1.79	1.33	2.01	1.97		113.74	1.69	7.85
EV/EBITDA		5.98	-7.97	1.38	3.91	-2.24	-2.28	2.55	-1.34	4.61	0.0732		159.64	0.7226	-150.27
EV/EBIT							-4.05	226.07	-3.17	-199.26	0.105			3.94	-148.17
EV/S							-1.81	2.67	-1.4	19.8	0.0638		113.14	3.86	-151.22
EV/FCF							-42.81	44.54	-25.42				122.22	-7.8967	-15.95
Debt/EBITDA	20.11		17.02	126.42	23.03		4.24	91.61	5.73	1611.45	1.49		-23.98	342.90	-18.87
Netdebt/Ebitda							-12.86	-126.22	-14.01	-468.64	-6.35		44.86	-125.6160	-13.16
Debt/Ratio							0.0144	0.0196	0.0163	0.0336	0.011		0.16	0.0190	-5.24
Debt/Equity							0.1662	0.2267	0.19	0.3577	0.1106		40.25	0.2102	-7.82
Debt/Net Income							6.34	-46.87	8.64	-122.81	2.21		21.59	-30.4980	-19.00
Бета												0.7231	-28.80	0.7231	0.00
Индекс Альтмана												-0.2524	6.86	-0.2524	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		0.936	0.936	0.934	0.798	0.799	0.977	1.53		1.53		1.01	10.37
Дивиденд	16	14	14	14	12	3.6	15	24	16	16		14.12	5.92
Див доход, ао, %	2.93	2.66	3.62	4.05	4.26	1.69	4.8	3.23	2.64	3.33	3.91	3.32	-9.13
Дивиденды / прибыль, %			17.48	26.2	41.85	34.83	22.92	23.25	28.99	28.99	40.90	30.37	-7.08

	2022Q1	2022Q3	2023Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.799	0.466	153.51		51.59	477.03
Дивиденды / прибыль, %		143.83		40.90	143.83	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	616	616	0.00

	CAGR 5

	CAGR 5