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San-in Godo BankLtd

OTCPK:SGDB.F
Snowflake Description

Excellent balance sheet average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SGDB.F
OTCPK
¥127B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

The San-in Godo Bank, Ltd. provides various banking products and services for individuals and corporate customers in Japan. The last earnings update was 28 days ago. More info.


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SGDB.F Share Price and Events
7 Day Returns
0%
OTCPK:SGDB.F
-5%
US Banks
-1.5%
US Market
1 Year Returns
-
OTCPK:SGDB.F
-15.5%
US Banks
-4.2%
US Market
SGDB.F Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
San-in Godo BankLtd (SGDB.F) 0% 0% - - - -
US Banks -5% -11.4% -16.7% -15.5% 22.6% 33.6%
US Market -1.5% -5.2% -11.2% -4.2% 27.3% 35.3%
1 Year Return vs Industry and Market
  • No trading data on SGDB.F.
  • No trading data on SGDB.F.
Price Volatility
SGDB.F
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for San-in Godo BankLtd's competitors could be found in our database.

Value

 Is San-in Godo BankLtd undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of San-in Godo BankLtd to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for San-in Godo BankLtd.

OTCPK:SGDB.F Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= ¥2,288.91 * 3.7%
¥84.60
Book Value of Equity per Share Median Book Value from the past 5 years. ¥2,288.91
Discount Rate (Cost of Equity) See below 10.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 3%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:SGDB.F
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 3%
Equity Risk Premium S&P Global 7.1%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.54
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.54 (1 + (1- 30.86%) (819.08%))
1.105
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.11
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.95% + (1.105 * 7.05%)
10.74%

Discounted Cash Flow Calculation for OTCPK:SGDB.F using Excess Returns Model Model

The calculations below outline how an intrinsic value for San-in Godo BankLtd is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:SGDB.F Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (3.7% – 10.74%) * ¥2,288.91)
¥-161.24
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ¥-161.24 / (10.74% - 2.95%)
¥-2,069.72
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ¥2,288.91 + ¥-2,069.72
¥219.18
OTCPK:SGDB.F Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:SGDB.F represents 0.01055x of TSE:8381
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.01055x
Value per Share
(Listing Adjusted, USD)
= Value per Share (JPY) x Listing Adjustment Factor
= ¥ 219.18 x 0.01055
$2.31
Value per share (USD) From above. $2.31
Current discount Discount to share price of $8.58
= -1 x ($8.58 - $2.31) / $2.31
-270.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of San-in Godo BankLtd is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for San-in Godo BankLtd's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are San-in Godo BankLtd's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:SGDB.F PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in JPY ¥83.46
TSE:8381 Share Price ** TSE (2018-09-20) in JPY ¥813
United States of America Banks Industry PE Ratio Median Figure of 571 Publicly-Listed Banks Companies 14.65x
United States of America Market PE Ratio Median Figure of 3,017 Publicly-Listed Companies 16.77x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of San-in Godo BankLtd.

OTCPK:SGDB.F PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= TSE:8381 Share Price ÷ EPS (both in JPY)

= 813 ÷ 83.46

9.74x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • San-in Godo BankLtd is good value based on earnings compared to the US Banks industry average.
  • San-in Godo BankLtd is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does San-in Godo BankLtd's expected growth come at a high price?
Raw Data
OTCPK:SGDB.F PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.74x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
20.1%per year
United States of America Banks Industry PEG Ratio Median Figure of 255 Publicly-Listed Banks Companies 1.09x
United States of America Market PEG Ratio Median Figure of 2,105 Publicly-Listed Companies 1.16x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for San-in Godo BankLtd, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on San-in Godo BankLtd's assets?
Raw Data
OTCPK:SGDB.F PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in JPY ¥2,310.48
TSE:8381 Share Price * TSE (2018-09-20) in JPY ¥813
United States of America Banks Industry PB Ratio Median Figure of 582 Publicly-Listed Banks Companies 1.24x
United States of America Market PB Ratio Median Figure of 5,082 Publicly-Listed Companies 1.7x
OTCPK:SGDB.F PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= TSE:8381 Share Price ÷ Book Value per Share (both in JPY)

= 813 ÷ 2,310.48

0.35x

* Primary Listing of San-in Godo BankLtd.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • San-in Godo BankLtd is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess San-in Godo BankLtd's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. San-in Godo BankLtd has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is San-in Godo BankLtd expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover San-in Godo BankLtd, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
20.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is San-in Godo BankLtd expected to grow at an attractive rate?
  • San-in Godo BankLtd's earnings growth is expected to exceed the low risk savings rate of 3%.
Growth vs Market Checks
  • San-in Godo BankLtd's earnings growth is expected to exceed the United States of America market average.
  • Unable to compare San-in Godo BankLtd's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:SGDB.F Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:SGDB.F Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 20.1%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 6.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:SGDB.F Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in JPY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:SGDB.F Future Estimates Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
OTCPK:SGDB.F Past Financials Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income *
2018-09-30 86,358 -179,845 13,027
2018-06-30 85,659 12,120
2018-03-31 85,128 -144,349 13,692
2017-12-31 83,638 12,600
2017-09-30 86,841 -300,720 13,414
2017-06-30 88,058 14,938
2017-03-31 84,713 -4,945 13,399
2016-12-31 85,331 15,210
2016-09-30 81,315 356,445 14,036
2016-06-30 77,439 11,370
2016-03-31 79,636 196,554 12,911
2015-12-31 79,689 12,278

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • San-in Godo BankLtd's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if San-in Godo BankLtd is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:SGDB.F Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from San-in Godo BankLtd Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SGDB.F Future Estimates Data
Date (Data in JPY Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
OTCPK:SGDB.F Past Financials Data
Date (Data in JPY Millions) EPS *
2018-09-30 83.46
2018-06-30 77.67
2018-03-31 87.76
2017-12-31 80.79
2017-09-30 85.98
2017-06-30 95.48
2017-03-31 85.27
2016-12-31 96.37
2016-09-30 88.50
2016-06-30 71.50
2016-03-31 81.08
2015-12-31 77.01

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if San-in Godo BankLtd will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess San-in Godo BankLtd's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
San-in Godo BankLtd has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has San-in Godo BankLtd performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare San-in Godo BankLtd's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • San-in Godo BankLtd's year on year earnings growth rate has been positive over the past 5 years.
  • San-in Godo BankLtd's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • San-in Godo BankLtd's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.
Earnings and Revenue History
San-in Godo BankLtd's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from San-in Godo BankLtd Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SGDB.F Past Revenue, Cash Flow and Net Income Data
Date (Data in JPY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 86,358.00 13,027.00 41,135.00
2018-06-30 85,659.00 12,120.00 41,070.00
2018-03-31 85,128.00 13,692.00 41,242.00
2017-12-31 83,638.00 12,600.00 41,202.00
2017-09-30 86,841.00 13,414.00 41,275.00
2017-06-30 88,058.00 14,938.00 41,212.00
2017-03-31 84,713.00 13,399.00 41,230.00
2016-12-31 85,331.00 15,210.00 41,024.00
2016-09-30 81,315.00 14,036.00 40,988.00
2016-06-30 77,439.00 11,370.00 40,939.00
2016-03-31 79,636.00 12,911.00 40,678.00
2015-12-31 79,689.00 12,278.00 40,249.00
2015-09-30 80,821.00 12,487.00 40,183.00
2015-06-30 81,288.00 13,080.00 40,190.00
2015-03-31 79,703.00 12,161.00 40,159.00
2014-12-31 77,517.00 12,044.00 40,305.00
2014-09-30 76,377.00 11,569.00 40,420.00
2014-06-30 76,908.00 11,795.00 40,572.00
2014-03-31 76,738.00 11,175.00 40,805.00
2013-12-31 76,246.00 11,234.00 40,896.00
2013-09-30 76,709.00 11,357.00 40,981.00
2013-06-30 77,304.00 10,231.00 41,232.00
2013-03-31 76,800.00 9,857.00 41,109.00
2012-12-31 76,749.00 9,717.00 41,377.00
2012-09-30 79,725.00 8,777.00 41,351.00
2012-06-30 81,297.00 10,537.00 41,083.00
2012-03-31 80,881.00 10,335.00 40,924.00
2011-12-31 80,098.00 12,404.00 41,114.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • San-in Godo BankLtd has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • San-in Godo BankLtd used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if San-in Godo BankLtd improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess San-in Godo BankLtd's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
San-in Godo BankLtd has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is San-in Godo BankLtd's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of San-in Godo BankLtd's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from San-in Godo BankLtd Company Filings, last reported 2 months ago.

OTCPK:SGDB.F Past Debt and Equity Data
Date (Data in JPY Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 362,245.00 1,039,964.00 552,977.00
2018-06-30 364,068.00 1,087,708.00 627,222.00
2018-03-31 362,412.00 1,025,175.00 566,078.00
2017-12-31 369,225.00 1,160,459.00 628,016.00
2017-09-30 363,272.00 1,086,184.00 529,131.00
2017-06-30 358,433.00 1,081,600.00 636,781.00
2017-03-31 352,845.00 985,195.00 553,862.00
2016-12-31 353,190.00 1,723,411.00 1,143,002.00
2016-09-30 374,181.00 1,092,140.00 696,819.00
2016-06-30 380,808.00 809,789.00 505,237.00
2016-03-31 373,727.00 768,057.00 586,901.00
2015-12-31 359,507.00 723,559.00 329,384.00
2015-09-30 351,919.00 679,659.00 440,024.00
2015-06-30 355,042.00 625,762.00 407,984.00
2015-03-31 353,709.00 500,342.00 411,269.00
2014-12-31 348,962.00 519,131.00 310,466.00
2014-09-30 330,768.00 415,316.00 331,539.00
2014-06-30 328,252.00 401,016.00 351,403.00
2014-03-31 322,280.00 335,183.00 293,445.00
2013-12-31 322,048.00 332,266.00 188,625.00
2013-09-30 319,565.00 249,806.00 174,127.00
2013-06-30 312,117.00 243,641.00 103,121.00
2013-03-31 322,547.00 197,961.00 206,595.00
2012-12-31 310,896.00 187,388.00 85,420.00
2012-09-30 306,100.00 171,874.00 109,081.00
2012-06-30 307,987.00 169,727.00 219,760.00
2012-03-31 304,691.00 168,737.00 212,378.00
2011-12-31 301,403.00 199,280.00 124,022.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • San-in Godo BankLtd has an acceptable proportion of non-loan assets held.
  • San-in Godo BankLtd's liabilities are made up of primarily low risk sources of funding.
  • Loans at San-in Godo BankLtd are broadly funded by customer deposits.
  • San-in Godo BankLtd's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • San-in Godo BankLtd has a low allowance for bad loans.
  • San-in Godo BankLtd has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess San-in Godo BankLtd's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. San-in Godo BankLtd has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is San-in Godo BankLtd's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.2%
Current annual income from San-in Godo BankLtd dividends.
If you bought $2,000 of San-in Godo BankLtd shares you are expected to receive $64 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • San-in Godo BankLtd's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).
  • San-in Godo BankLtd's dividend is below the markets top 25% of dividend payers in United States of America (3.77%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:SGDB.F Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 457 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1983 Stocks 2.6%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.9%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:SGDB.F Future Dividends Estimate Data
Date (Data in ¥) Dividend per Share (annual) Avg. No. Analysts
OTCPK:SGDB.F Past Annualized Dividends Data
Date (Data in ¥) Dividend per share (annual) Avg. Yield (%)
2018-06-27 26.000 2.795
2018-05-11 26.000 2.514
2017-11-10 26.000 2.535
2017-06-23 26.000 2.759
2017-05-12 26.000 2.950
2016-06-24 15.000 1.823
2016-05-13 15.000 2.180
2016-02-10 14.000 2.007
2016-01-29 14.000 1.943
2015-11-19 14.000 1.476
2015-11-12 14.000 1.316
2015-06-25 14.000 1.212
2015-05-14 14.000 1.204
2014-06-25 11.000 1.282
2014-05-12 11.000 1.547
2013-11-11 11.000 1.560
2013-06-27 10.000 1.317
2013-05-13 10.000 1.394
2012-11-12 10.000 1.424
2012-07-31 10.000 1.782
2012-06-27 10.000 1.835
2012-05-14 10.000 1.970
2012-01-31 10.000 1.636
2011-11-14 10.000 1.731
2011-07-29 10.000 1.756
2011-06-27 10.000 1.667
2011-05-13 10.000 1.872
2011-01-31 9.000 1.496
2010-11-12 9.000 1.523
2010-06-25 9.000 1.477
2010-05-17 9.000 1.357
2010-05-14 9.000 1.285
2010-02-10 8.000 1.092
2010-01-29 8.000 1.116
2009-11-13 8.000 1.060
2009-06-25 8.000 0.983
2009-05-15 8.000 1.004
2009-01-30 8.000 1.090
2008-12-19 8.000 1.165

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of San-in Godo BankLtd's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.2x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess San-in Godo BankLtd's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can San-in Godo BankLtd afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. San-in Godo BankLtd has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of San-in Godo BankLtd's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Fumio Ishimaru
AGE 64
TENURE AS CEO 3.5 years
CEO Bio

Mr. Fumio Ishimaru serves as President, Chief Executive Officer and Representative Director at San-in Godo Bank Limited. Past experience, positions and significant concurrent positions: April 1977 Joined San-in Godo Bank, Ltd.; July 1998 General Manager of Sakuradani Branch; June 2001 General Manager of ALM Office in General Planning Department; June. 2003, General Manager of Hiroshima Branch; April 2006, General Manager of Tottori Business Dept.; June 2007, Director and General Manager of Tottori Business Dept.; April 2008, Director and General Manager of Management Planning Department; June 2009. Managing Director and General Manager of Management Planning Department, June 2010, Managing Director, June. 2011, Director, Senior Managing Executive Officer and Chief of Tottori Headquarters, Stationed in Tottori; since June 2013, Director and Senior Managing Executive Officer and June 2015, President and Chief Executive Officer.

CEO Compensation
  • Insufficient data for Fumio to compare compensation growth.
  • Insufficient data for Fumio to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the San-in Godo BankLtd management team in years:

0.5
Average Tenure
59
Average Age
  • The average tenure for the San-in Godo BankLtd management team is less than 2 years, this suggests a new team.
Management Team

Fumio Ishimaru

TITLE
President
AGE
64
TENURE
3.5 yrs

Hiroki Yamane

TITLE
Junior Manager

Koji Miyauchi

TITLE
Executive Officer & Personnel Director
TENURE
0.5 yrs

Takakazu Aoyama

TITLE
Senior Managing Executive Officer & Representative Director

Yoichiro Yamamoto

TITLE
Senior Managing Executive Officer

Toru Yamasaki

TITLE
Vice CEO & Director
AGE
60

Nobuharu Sugihara

TITLE
Senior Managing Executive
AGE
58

Yasuhiro Imawaka

TITLE
Sr. Managing Exec. Officer of Sales Admin
AGE
58
TENURE
0.5 yrs

Mitsugu Ishihara

TITLE
Executive Officer & GM of Hamada Residence - Ishimi Operation Division

Mutsuto Seida

TITLE
Managing Executive Officer & Manager of Tottori Sales Department
Board of Directors Tenure

Average tenure and age of the San-in Godo BankLtd board of directors in years:

5.5
Average Tenure
62
Average Age
  • The tenure for the San-in Godo BankLtd board of directors is about average.
Board of Directors

Ichiro Kubota

TITLE
Chairman
AGE
67
TENURE
3.5 yrs

Fumio Ishimaru

TITLE
President
AGE
64
TENURE
11.5 yrs

Takakazu Aoyama

TITLE
Senior Managing Executive Officer & Representative Director

Yoichiro Yamamoto

TITLE
Senior Managing Executive Officer

Toru Yamasaki

TITLE
Vice CEO & Director
AGE
60
TENURE
3.5 yrs

Nobuharu Sugihara

TITLE
Senior Managing Executive
AGE
58
TENURE
1.5 yrs

Yasuhiro Imawaka

TITLE
Sr. Managing Exec. Officer of Sales Admin
AGE
58
TENURE
0.5 yrs

Hideto Tago

TITLE
Outside Director
AGE
67
TENURE
11.5 yrs

Choemon Tanabe

TITLE
Outside Director
AGE
39
TENURE
7.5 yrs

Michihiro Kawamoto

TITLE
Outside Corporate Auditor
AGE
65
TENURE
13.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess San-in Godo BankLtd's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. San-in Godo BankLtd has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

External News
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Simply Wall St News

Company Info

Map
Description

The San-in Godo Bank, Ltd. provides various banking products and services for individuals and corporate customers in Japan. The company operates in two segments, Banking and Leasing. It offers deposits and loans; and leasing, currency exchange, and securities investment services. The company also provides real estate leasing, bank agency, and credit guarantee services; collection, delivery, and sorting and safekeeping services for cash/checks; maintenance and management services for ATMs; and bad loan collection services. In addition, it offers public fund and account transfer services; and services for card member stores. Further, the company provides consulting services on the acquisition, safekeeping, and sale of securities, as well as corporate diagnosis and management consulting services. As of March 31, 2018, it operated 83 branches and 69 sub-branches in Tokyo and Osaka, as well as 3 representative offices in Dalian, Shanghai, and Bangkok. The San-in Godo Bank, Ltd. was founded in 1941 and is headquartered in Matsue, Japan.

Details
Name: The San-in Godo Bank,Ltd.
SGDB.F
Exchange: OTCPK
Founded: 1941
¥1,123,850,462
156,170,979
Website: http://www.gogin.co.jp
Address: The San-in Godo Bank,Ltd.
10, Uomachi,
Matsue,
Shimane, 690-0062,
Japan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
TSE 8381 Common Stock The Tokyo Stock Exchange JP JPY 06. Jan 1992
OTCPK SGDB.F Common Stock Pink Sheets LLC US USD 06. Jan 1992
Number of employees
Current staff
Staff numbers
2,215
San-in Godo BankLtd employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2018/12/18 00:08
End of day share price update: 2018/09/20 00:00
Last estimates confirmation: 2018/05/11
Last earnings filing: 2018/11/20
Last earnings reported: 2018/09/30
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.