The Bank of Iwate, Ltd.

TSE

8345

Stock

Yield per half year: +10.06%
Dividend yield: 5.69%

Reporting The Bank of Iwate, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								35.2
Выручка, млрд ¥	42.8	44.03	40.87	41.05	40.08	43.43	42.22	42.22	41.53	0.65
Чистая прибыль, млрд ¥	5.52	4.19	3.78	2.9	4.13	5.38	4.23	4.23	4.08	2.28
EV, млрд ¥	-298.47	-288.83	-271.13	-415.81	-432.57	-436.82	-287.38	-287.38	-368.7420	1.17
EBIT, млрд ¥	9.32	7.49	6.29	6.41	7.01	6.58	6.75	6.75	6.61	1.42
EBITDA, млрд ¥	11.39	9.43	7.98	8.14	9.02	8.61	8.61	8.61	8.47	1.53
OIBDA, млрд ¥			6.68	8.18	9.9	7.77	10.84	10.84	8.67	10.17
Баланс стоимость, млрд ¥	203.38	200.94	187.45	201.63	193.56	185.23	199.44	199.44	193.46	1.25
FCF, млрд ¥	-58.24	-74.35	-21.99	238.17	40.26	-112.72	-35.26	-35.26	21.69	9.90
Операционный денежный поток, млрд ¥	-56	-72.96	-19.89	240.02	43.23	-111.7	-33.94	-33.94	23.54	11.28
Операционная прибыль, млрд ¥	8.25	6.33	6.29	6.41	5.01	4.54	6.45	6.45	5.74	0.50
Операционные расходы, млрд ¥	33.92	33.16	33.53	30.92	31.13	36.23	39.69	39.69	34.30	3.43
CAPEX, млрд ¥	2.24	1.4	2.11	1.85	2.97	1.02	0.723	0.723	1.73	-19.28

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	10	10.68	10.55	13.23	1 408.42	9.71	9.72	9.61	10.58	11.51	10.23	3.46
Чистая прибыль, млрд ¥	-0.502	1.42	1.65	2.15	25.14	1.14	1.53	0.713	0.84	1.76	1.20	9.07
EV, млрд ¥	-432.54	-271.9	-191.13	-217.2	-68 641.63	-253.83	-170.67	-170.13	-287.69	-194.19	-215.3020	-5.22
EBIT, млрд ¥		1.93	2.8	1.49	-46.04	1.72	2.21	0.736	1.61	2.46	1.75	7.42
EBITDA, млрд ¥	0.462	1.93	2.8	2.17	35.51	2.17	2.67	1.21	2.09	2.9	2.21	5.97
OIBDA, млрд ¥						2.74	3.36	1.7	2.98	6.43	3.44	18.60
Баланс стоимость, млрд ¥	193.56	185.15	182.07	178.04	29 102.64	192.44	185.55	191.46	199.44	193.98	192.57	0.16
FCF, млрд ¥				160	1.04	0.906	0.922	0.942			32.76	-64.19
Операционный денежный поток, млрд ¥			-307.42	160	1.04	0.906	0.922	0.942			32.76	-64.19
Операционная прибыль, млрд ¥	0.462	1.93	2.8	2.17	35.51	1.71	2.21	1.21	1.73	5.29	2.43	25.34
Операционные расходы, млрд ¥	8.45	8.97	7.98	11.23	1 265.44	7.99	7.43	8.4	10.04	6.22	8.02	-4.89
CAPEX, млрд ¥			0.37		1.02						0.6950	66.03

	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 ¥	409	394.25	370.82	637.34	701.4	647.03	563.77	563.77	584.07	8.74
Short Term Investments ¥							1 135.64	1 135.64	1135.64	0.00
Total Current Assets ¥		2 254.01	370.82	637.34	701.4	647.03	563.77	563.77	584.07	8.74
Чистые активы, млрд ¥	2 227.22	2 254.01	370.82	637.34	15.76	14.8		14.8	658.55	-63.40
Активы, млрд ¥	3 556.83	3 509.42	3 485.54	3 840.96	3 920.26	3 820.13	3 929.6	3 929.6	3799.30	2.43
Short Term Debt ¥		11.36	1.81	8.23	10.55	0.508	0.505	0.505	4.32	-22.53
Long Term Debt ¥		48.92		172.82	237.9	173.37		173.37	158.25	37.21
Задолженность, млрд ¥	3 353.46	3 308.48	56.55	179.69	3 726.7	172.53	3 730.16	3 730.16	1573.13	131.13
Чистый долг, млрд ¥	-382.43	-349.63	-314.27	-457.65	-464.47	-474.51	-332.69	-332.69	-408.7180	1.15
Долг, млрд ¥	26.56	44.62	56.55	179.69	248.45	173.88	231.08	231.08	177.93	32.52
Расходы на обслуживание долга ¥		1.24	1.07	0.875	0.777	0.654	0.603	0.603	0.7958	-10.84
Чист. проц. доходы, млрд ¥	31.27	30.78	29.85	28.05	27.27	26.6	28.25	26.6	28.00	-1.10
Амортизация, млрд ¥		1.94	1.69	1.72	2	2.04	1.87	1.87	1.86	2.04

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ¥		701.4	502.23	354.28	398.03	101 661.72	431.05	364.37	358.01	563.77	473.56	438.15	1.90
Total Current Assets ¥		701.4	502.23	354.28	398.03	101 661.72	431.05	364.37	358.01	628.99	473.56	451.20	1.90
Чистые активы, млрд ¥	2 594.27	701.4	502.23	354.28	398.03	2 325.21	14.6					718.87	-50.72
Активы, млрд ¥		3 920.26	3 861.2	3 714.73	3 759.48	600 217.93	3 857.89	3 802.04	3 799.1	3 929.6	3 903.48	3858.42	0.24
Short Term Debt ¥						79.82	1.45			0.505		27.26	-81.50
Long Term Debt ¥					146.53	27 240.3	140.11					9175.65	-1.48
Задолженность, млрд ¥		3 726.7	3 676.05	3 532.67	3 581.44	27 107.53	140.11	145.96	145.95	3 730.16	3 709.5	1574.34	92.56
Чистый долг, млрд ¥		-464.47	-306.38	-222.75	-251.5	-74 554.19	-289.49	-218.41	-212.06	-332.69	-242.5	-259.0300	-3.48
Долг, млрд ¥		236.93	195.85	131.53	146.53	27 107.53	141.56	145.96	145.95	231.08	231.06	179.12	10.30
Расходы на обслуживание долга ¥		0.173	0.168	0.204	0.172	17.28	0.142	0.174	0.133	0.154	0.16	0.1526	2.42
Чист. проц. доходы, млрд ¥	7.04	6.53	7.03	6.43	6.7	1 011.06	1 105.96	1 075.64	1 160.8	6.98		872.09	-63.03
Амортизация, млрд ¥			0.001	-0.001	0.51	81.55	0.453	0.461	0.471	0.482	0.443	0.4620	-0.45
Себестоимость, млрд ¥											-0.182	-0.1820	0.00

	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	276.91	225.14	211.85	164.03	234.74	308.88	244.67		244.67	232.83	2.92
Цена акции ао					1967	2501	2811	2869	2869	2537.00	9.90
Число акций ао, млн		18.59	17.86	17.66	17.58	17.42	17.27		17.27	17.56	-0.67
FCF/акцию	-2920.21	-3999.06	-1231.24	13490.05	2290.66	-6470.47	-2042.16		-2042.16	1207.37	10.65

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	-28.53	81.52	94.92	123.72	1437.63	65.52	88.09	41.8	48.98	102.83			69.44	9.43
Цена акции ао											3240	2869	3054.50	-5.90
FCF/акцию				58.52	59.36	51.98	53.09	55.23					55.64	-1.15

	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, %	2.75	2.07	1.95	1.49	2.09	2.84	2.2		2.2	8.26	2.11	2.44
ROA, %	0.1554	0.1185	0.1082	0.0791	0.1063	0.139	0.109		0.109	4.23	0.1083	0.15
ROIC, %			2.02	1.03	1.31	1.91			1.91	7.01	1.57	-1.39
ROS, %			9.26	7.06	10.29	12.39	10.01	10.01	10.01	9.08	9.95	7.23
ROCE, %	3.49	2.66	2.26	1.55	0.4011	0.4134	0.1719	3.38	3.38	10.97	1.18	16.87
Ebit margin, %			12.8	13.5	17.49	15.14	15.98	15.98	15.98		15.62	3.43
Рентаб EBITDA, %	26.6	21.41	19.53	19.82	22.49	19.83	20.4	20.4	20.4	17.49	20.59	0.58
Чистая рентаб, %	12.9	9.51	9.26	7.06	10.29	12.39	10.01		10.01	9.08	9.80	1.57
Operation Margin, %			8.66	9.3	12.49	10.45	15.28	15.28	15.28	13.35	12.56	10.44

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	-0.2461	0.707	0.8469	1.14	0.0871	0.6222	0.8276	0.3813	0.4411	0.9168		8.26	0.6378	8.06
ROA, %	-0.013	0.0364	0.0436	0.0576	0.0042	0.0297	0.0399	0.0188	0.0217	0.045		4.23	0.0310	8.67
ROS, %						11.76	15.75	7.42	7.94	15.33	10.01	9.08	11.29	-8.67
ROCE, %		0.4248	0.6538	0.1153	-0.0187	0.111	0.1436	0.048	0.0762	0.0909	3.38	10.97	0.7477	88.08
Ebit margin, %						17.69	22.76	7.66	15.23	21.35	15.98		16.60	-6.83
Рентаб EBITDA, %		18.06	26.52	16.38	2.52	22.36	27.51	12.57	19.79	25.2	20.4	17.49	21.09	-5.80
Чистая рентаб, %	-5.02	13.28	15.65	16.26	1.78	11.76	15.75	7.42	7.94	15.33		9.08	11.64	5.45
Operation Margin, %						17.65	22.78	12.57	16.34	45.98	15.28	13.35	22.59	-7.68

	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	15.2	14.52	11.4	14.45	7.73	7	10.72		10.72	130.72	10.26	-1.22
P/BV	0.4129	0.3026	0.0126	0.0114	0.1648	0.0103	0.2272		0.2272	113.68	0.0853	78.32
P/S	1.96	1.38	1.06	1.02	0.7959	0.8677	1.07		1.07	113.74	0.9627	0.19
P/FCF						-0.3123	-0.9982	-0.9982	-0.9982	9.24	-0.7696	47.30
E/P						0.1528	0.12	0.12	0.12	0.65	0.1309	-7.74
EV/EBIT			-51.83	-75.05	-61.7	-66.43	-42.6	-42.6	-42.6		-57.6760	-10.71
EV/EBITDA	-26.22	-30.64	-33.96	-51.11	-47.98	-50.73	-33.37		-33.37	139.23	-43.4300	-0.35
EV/S			-6.63	-10.13	-10.79	-10.06	-6.81	-6.81	-6.81	113.17	-8.9200	-7.63
EV/FCF			12.33	-1.75	-10.74	3.88	8.15	8.15	8.15	126.10	1.54	-236.03
Debt/EBITDA	2.33	4.73	7.08	22.09	27.56	20.19	26.83	26.83	26.83	-5.25	24.70	3.96
Netdebt/Ebitda			-60.1	-82.64	-51.52	-55.1	-38.63	-38.63	-38.63	22.46	-53.3040	-14.11
Debt/Ratio			0.0162	0.0471	0.0634	0.0455	0.0588	0.0588	0.0588	0.16	0.0547	4.54
Debt/Equity			0.3017	0.8979	1.28	0.9388	1.16	18.7	18.7	4.48	4.60	83.54
Debt/Net Income			14.95	62.52	60.22	32.31	54.69	54.69	54.69	21.00	52.89	-2.64
PEG								0.077	0.077		0.0770	0.00
Бета						0.0969	2.23	-0.3249	-0.3249	-0.08	0.6673	-249.67
Индекс Альтмана						0.0138	0.0007	0.0021	0.0021	6.73	0.0055	-46.61

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	10.1		8.08	8.33	7.26	6.97	6.99	9.6	12.02	10.74	10			130.72	9.87	7.42
P/BV		0.165	0.1862	0.1737	0.1927	0.0103	0.0096	0.0131	0.0115	0.2256	0.249			113.68	0.1018	91.77
P/S		0.7974	0.846	0.7812	0.7734	0.8639	0.8405	1.15	1.12	1.14	1.17			113.74	1.08	6.84
P/FCF													-0.9982	9.24	-0.9982	0.00
E/P													0.12	0.65	0.1200	0.00
EV/EBIT							-147.83	-77.15	-231.16	-178.47	-79.04		-42.6		-121.6840	-11.20
EV/EBITDA		-55.54	-35.6	-26.25	-29.53	-66.44	-31.7	-22.51	-25.04	-35.33	-21.88			139.23	-27.2920	-7.15
EV/S							-26.15	-17.56	-17.71	-27.18	-16.87		-6.81	113.17	-17.2260	-17.26
EV/FCF							-280.16	-185.1	-180.61				8.15	126.10	-159.4300	-141.30
Debt/EBITDA			101.58	47.01	67.62	763.4	65.23	54.6	120.92	110.35	79.67		26.83	-5.25	78.47	-13.25
Netdebt/Ebitda							-133.41	-81.71	-175.69	-158.88	-83.62		-38.63	22.46	-107.7060	-13.91
Debt/Ratio							0.0367	0.0384	0.0384	0.0588	0.0592		0.0588	0.16	0.0507	8.90
Debt/Equity							0.7356	0.7866	0.7623	1.16	1.19		18.7	4.48	4.52	88.46
Debt/Net Income							123.96	95.4	204.69	275.09	130.98		54.69	21.00	152.17	-10.53
PEG													0.077		0.0770	0.00
Бета												-3.45	-0.3249	-0.08	-1.8875	-69.31
Индекс Альтмана												0.0021	0.0021	6.73	0.0021	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.25	1.25	1.25	1.14	1.06	1.65	1.48			1.48		1.32	3.44
Дивиденд	70	70	70	65	21.57	85	85	100	65	125		71.31	24.68
Див доход, ао, %	1.56	1.69	2.38	2.97	1.77	6.42	4.98	6.1	5.29	5.69	4.18	4.91	24.48
Дивиденды / прибыль, %		22.67	29.93	33.14	39.47	25.57	30.59	34.91		34.91	39.75	32.74	1.05
Dividend Coverage Ratio									2.86	2.86		2.86	0.00

	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.865	1.65			1.26	38.11
Дивиденды / прибыль, %	52.39	1028.75		39.75	540.57	343.13
Dividend Coverage Ratio			2.86		2.86	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	5.15	4.5	7.41	2.35	1.71	1.71	-19.79
Персонал, чел				1 391	1 391		0.00

	CAGR 5

	CAGR 5