TSE: 8338 - Tsukuba Bank, Ltd.

Yield per half year: +12.29%
Dividend yield: +3.42%

Reporting Tsukuba Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								16.5
Выручка, млрд ¥	35.97	33.47	32.9	31.04	32	31.97	35.49	35.49	32.68	1.53
Чистая прибыль, млрд ¥	3.04	1.08	1.22	1.76	4.23	2.1	2.2	2.2	2.30	12.52
EV, млрд ¥	-133.05	-210.95	-188.06	-183.95	-138.93	-189.33	-113.01	-113.01	-162.6560	-9.68
EBIT, млрд ¥	5.7	2.71	3.36	2.82	4.57	0.092	2.5	2.5	2.67	-5.74
EBITDA, млрд ¥	7.82	4.88	5.38	4.9	6.74	2.37	4.63	4.63	4.80	-2.96
Баланс стоимость, млрд ¥	109.45	110.46	105.3	112.31	104.1	91.02	97.14	97.14	101.97	-1.60
FCF, млрд ¥	82.77	-43.13	-56.26	172.86	218.45	-263.47	11.02	11.02	16.52	-172.18
Операционный денежный поток, млрд ¥	86.16	-39.54	-54.18	174.18	220	-261.93	7.19	7.19	17.05	-166.77
Операционная прибыль, млрд ¥	4.83	1.95	3.36	2.82	2.4	0.092	2.11	2.11	2.16	-8.89
Операционные расходы, млрд ¥	30.59	29.97	29.58	27.39	25.84	26.4	35.49	35.49	28.94	3.71
CAPEX, млрд ¥	3.39	3.59	2.09	1.32	1.55	1.54	0.768	0.768	1.45	-18.15

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	7.58	7.99	8.32	8.13	1 183.11	8.37	9.56	8.12	10.02	9.65	9.14	2.89
Чистая прибыль, млрд ¥	0.569	1.11	1.15	0.543	-110.93	1.02	0.909	0.758	-0.493	1.38	0.7148	6.23
EV, млрд ¥	-138.92	-206.48	-201.02	-197.86	-29 747.12	-232.49	-171.21	-189.62	-158.68	-213.57	-193.1140	-1.68
EBIT, млрд ¥		1.61		0.88	-328.85	1.2	0.441	0.959	-0.623	1.71	0.7374	7.34
EBITDA, млрд ¥	0.305	1.61	1.38	0.879	-237.41	1.75	0.968	1.48	-0.088	2.23	1.27	4.97
Баланс стоимость, млрд ¥	104.1	95.61	89.48	88.48	14 300.24	93.63	87.9	96.15	97.14	93.87	93.74	0.05
FCF, млрд ¥					182.89	1.1	1.05	1.04			46.52	-72.54
Операционный денежный поток, млрд ¥	220		-256.53		182.89	1.1	1.05	1.04			-14.0900	-133.23
Операционная прибыль, млрд ¥	0.305	1.61	1.38	0.879	-237.41	1.2	0.968	0.957	-0.623	4.06	1.31	27.61
Операционные расходы, млрд ¥	5.84	6.47	7.14	7.49	833.52	7.23	8.58	7.16	6.67	5.59	7.05	-5.02
CAPEX, млрд ¥	1.55		0.905		241.96						81.47	438.44

	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 ¥	161.94	226.88	200.27	357.14	524.84	334.87	351.61	351.61	353.75	11.92
Short Term Investments ¥							414.24	414.24	414.24	0.00
Total Current Assets ¥		1 893.78	200.27	357.14	524.84	334.87	351.61	351.61	353.75	11.92
Чистые активы, млрд ¥	1 814.17	1 893.78	200.27	357.14	20.83	20.11		20.11	498.43	-59.71
Активы, млрд ¥	2 420.18	2 401.63	2 379.65	2 698.42	2 961.03	2 767.37	2 854.09	2 854.09	2732.11	3.70
Short Term Debt ¥			20	174	364	79.68	81.62	81.62	143.86	32.48
Long Term Debt ¥		29.48		158	349	128.3		128.3	166.19	44.44
Задолженность, млрд ¥	2 310.74	2 291.17	2 274.35	158	2 856.93	155.88	2 756.95	2 756.95	1640.42	3.92
Чистый долг, млрд ¥	-161.94	-226.88	-200.27	-199.14	-155.84	-206.57	-183.78	-183.78	-189.1200	-1.70
Долг, млрд ¥			158	158	713	207.98	167.82	167.82	280.96	1.21
Расходы на обслуживание долга ¥		0.92	0.732	0.634	0.464	0.82	0.777	0.777	0.6854	1.20
Чист. проц. доходы, млрд ¥	27.47	26.94	25.68	24.33	25.94	25.65	25.97	25.65	25.51	0.22
Амортизация, млрд ¥		2.18	2.03	2.09	2.17	2.28	2.13	2.13	2.14	0.97
Себестоимость, млрд ¥							3.37	3.37	3.37	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ¥		524.84	296.35	303.69	324.61	52 614.64	372.57	369.69	371.55	351.61	434.64	380.01	3.13
Total Receivables ¥			1.05									1.05	0.00
Total Current Assets ¥			296.35	303.69	324.61	52 614.64	372.57	369.69	371.55	356.58	434.64	381.01	3.13
Чистые активы, млрд ¥	2 483.68	524.84	296.35	303.69	324.61	3 160.15	19.95					820.95	-41.71
Активы, млрд ¥		2 961.03	2 745.9	2 736.52	2 785.88	434 808.7	2 866.07	2 830.54	2 848	2 855.98	2 963.67	2872.85	0.67
Short Term Debt ¥						12 518.5	24.73	18.88	15.35	81.62	21.26	32.37	-2.98
Long Term Debt ¥				87.5	108.1	20 158.44						6784.68	513.03
Задолженность, млрд ¥		2 856.93	2 650.29	2 647.04	2 697.41	20 158.44	148.33	130.6	130.6	2 758.84	2 869.8	1207.63	80.85
Чистый долг, млрд ¥		-155.84	-222.15	-216.19	-216.51	-32 456.2	-248.97	-239.09	-240.95	-183.78	-275.08	-237.5740	2.01
Долг, млрд ¥		369	74.2	87.5	108.1	20 158.44	123.6	130.6	130.6	167.82	159.56	142.44	5.24
Расходы на обслуживание долга ¥	0.115	0.112	0.095	0.206	0.251	42.11	0.291	0.202	0.148	0.136		8.58	-68.24
Чист. проц. доходы, млрд ¥	6.58	6.64	6.45	6.54	6.31	997.55	994.57	1 026.62	1 014.84	6.65		808.05	-63.29
Амортизация, млрд ¥			0.001		-0.001	91.44	0.551	0.527	0.52	0.535	0.519	0.5304	-1.19
Себестоимость, млрд ¥										0.755	0.549	0.6520	-14.73

	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	36.8	13.12	14.82	21.33	51.3	25.4	9.46		9.46	24.46	-8.59
Цена акции ао					237	248	243	265	265	248.25	2.83
Число акций ао, млн		82.53	82.53	82.53	82.52	82.5	232.06		232.06	112.43	22.97
FCF/акцию	1002.82	-522.54	-681.7	2094.49	2647.24	-3193.75	47.49		47.49	182.75	-158.70

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 quarters average	CAGR 5
EPS	6.89	13.43	13.94	6.58	-1344.59	12.39	3.72	3.62	-5.99	6.93		4.13	-10.97
Цена акции ао											265	265.00	0.00
FCF/акцию					14.11	13.37	4.32	4.96				9.19	-23.00

	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, %	2.82	0.985	1.13	1.62	3.91	2.15	2.33		2.33	8.28	2.23	15.57
ROA, %	0.1266	0.0449	0.0512	0.0693	0.1496	0.0731	0.0781		0.0781	4.27	0.0843	8.81
ROIC, %			1.31	0.4888	0.5685	0.8395			0.8395	7.02	0.8017	-10.53
ROS, %			3.72	5.67	13.23	6.55	6.19	6.19	6.19	9.09	7.57	1.77
ROCE, %	3.99	1.76	2.45	0.9626	0.4791	0.0096	0.2401	2.57	2.57	10.60	0.8523	21.70
Ebit margin, %			1.81	0.3093	14.28	0.2878	7.05	7.05	7.05		5.80	86.88
Рентаб EBITDA, %	21.74	14.59	16.36	15.8	21.05	7.42	13.06	13.06	13.06	17.14	14.08	-3.74
Чистая рентаб, %	8.44	3.24	3.72	5.67	13.23	6.55	6.19		6.19	9.09	7.07	10.72
Operation Margin, %			1.81	0.3093	7.51	0.2878	5.93	5.93	5.93	13.42	3.99	80.52

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	0.5024	1.01	1.1	0.5549	-0.7609	1.12	1	0.831	-0.5305	1.48	8.28	0.7801	5.73
ROA, %	0.019	0.0388	0.042	0.0197	-0.0254	0.0362	0.0319	0.0267	-0.0173	0.0476	4.27	0.0250	5.63
ROS, %						12.2	9.51	9.33	-4.92	14.35	9.09	8.09	3.30
ROCE, %		0.4037		0.0963	-0.2109	0.1197	0.0441	0.0956	-0.0621	0.1154	10.60	0.0625	-0.73
Ebit margin, %						14.29	4.61	11.8	-6.22	17.77		8.45	4.46
Рентаб EBITDA, %	4.03	20.2	16.63	10.82	-20.07	20.87	10.13	18.21	-0.8779	23.15	17.14	14.30	2.10
Чистая рентаб, %	7.51	13.86	13.82	6.68	-9.38	12.2	9.51	9.33	-4.92	14.35	9.09	8.09	3.30
Operation Margin, %						14.27	10.13	11.78	-6.22	42.08	13.42	14.41	24.15

	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	9.51	14.71	9.99	8.63	4	8.23	32.24		32.24	131.00	12.62	26.41
P/BV	0.2639	0.1442	0.116	0.006	0.1625	0.0066	0.7286		0.7286	113.69	0.2039	44.41
P/S	0.8032	0.4759	0.3712	0.4892	0.5286	0.5393	1.99		1.99	113.74	0.7837	39.91
P/FCF						-0.0626	1.5	1.5	1.5	7.76	0.9791	-388.30
E/P						0.1273	0.133	0.133	0.133	0.57	0.1311	1.47
EV/EBIT			-281.51	-1916.14	-30.4	-2057.92	-45.2	-45.2	-45.2		-818.9720	-52.73
EV/EBITDA	-17.02	-43.2	-34.93	-37.51	-20.63	-79.82	-24.39		-24.39	159.62	-39.4560	-6.93
EV/S			-5.11	-5.93	-4.34	-5.92	-3.18	-3.18	-3.18	113.14	-4.5100	-11.72
EV/FCF			2.99	-1.06	-0.636	0.7186	-10.25	-10.25	-10.25	121.88	-4.2955	57.43
Debt/EBITDA			60.24	32.22	105.86	87.68	36.22	36.22	36.22	-23.98	59.64	2.37
Netdebt/Ebitda			-68.73	-91.22	-23.14	-87.09	-39.67	-39.67	-39.67	44.86	-56.1580	-15.34
Debt/Ratio			0.0084	0.123	0.2408	0.0752	0.0588	0.0588	0.0588	0.16	0.1113	-13.72
Debt/Equity			0.1899	2.96	6.85	2.29	1.73	8.34	8.34	39.15	4.43	23.02
Debt/Net Income			16.35	188.64	168.44	99.27	76.46	76.46	76.46	21.59	121.85	-16.52
PEG								-7.74	-7.74		-7.7400	0.00
Бета						1.7	-0.7797	-0.6411	-0.6411	-24.14	0.0931	-172.25
Индекс Альтмана						-0.0328	-0.0422	-0.0422	-0.0422	6.88	-0.0391	8.76

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	3.73	4	3.56	3.77	5.53		8.21	19.67	21.93		37.19			131.00	18.51	46.40
P/BV		0.1625	0.1639	0.1696	0.2107	0.0065	0.0061	0.0251	0.0189	0.2584	0.6553			113.69	0.1928	154.81
P/S		0.5287	0.4912	0.4737	0.5823	0.5393	0.5099	0.8412	0.9048	1.01	1.24			113.74	0.9012	19.45
EV/EBIT							-194.39	-388.22	-197.73	254.7	-124.6				-130.0480	-8.51
EV/EBITDA		-27.6	-39.93	-41.12	-47.31	-104.37	-61.96	-57.43	-58.1	-38.65	-46.51			159.62	-52.5300	-5.58
EV/S							-27.77	-17.91	-23.34	-15.83	-22.14			113.14	-21.3980	-4.43
EV/FCF							-210.97	-162.43	-182.33					121.88	-185.2433	-4.75
Debt/EBITDA	212.62	1209.84	45.97	63.22	122.98		70.75	134.92	88.3	-1907.06	71.45			-23.98	-308.3280	0.20
Netdebt/Ebitda							-142.51	-247	-162.92	2088.45	-123.19			44.86	282.57	-2.87
Debt/Ratio							0.0431	0.0461	0.0459	0.0588	0.0538			0.16	0.0495	4.53
Debt/Equity							1.32	1.49	1.36	1.73	1.7			39.15	1.52	5.19
Debt/Net Income							121.06	143.67	172.3	-340.41	115.29			21.59	42.38	-0.97
Бета												-1.85	-0.6411	-24.14	-1.2456	-41.13
Индекс Альтмана												-0.0422	-0.0422	6.88	-0.0422	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		0.451	0.433	0.412	0.416	0.412	0.412	0.415		0.415		0.4134	0.15
Дивиденд	5	5	5	5	5	5	5	5	5	5		5.00	0.00
Див доход, ао, %	1.45	1.31	2.07	2.07	2.46	3.03	4.88	4.69	3.42	3.42	3.90	3.70	6.81
Дивиденды / прибыль, %			14.85	39.98	33.69	23.64	9.73	19.67	18.91	18.91	40.65	21.13	-10.91

	2022Q1	2022Q3	2023Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.412	0.412	64.73		21.85	439.60
Дивиденды / прибыль, %		35.83		40.65	35.83	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1362	1362	0.00

	CAGR 5

	CAGR 5