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Auswide Bank Ltd
Buy, Hold or Sell?

Let's analyse Auswide Bank Ltd together

PenkeI guess you are interested in Auswide Bank Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Auswide Bank Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Auswide Bank Ltd (30 sec.)










What can you expect buying and holding a share of Auswide Bank Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$0.42
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$6.34
Expected worth in 1 year
A$7.36
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$1.69
Return On Investment
32.2%

For what price can you sell your share?

Current Price per Share
A$5.23
Expected price per share
A$5.0477 - A$5.5668933810376
How sure are you?
50%
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1. Valuation of Auswide Bank Ltd (5 min.)




Live pricePrice per Share (EOD)

A$5.23

Intrinsic Value Per Share

A$-5.28 - A$1.91

Total Value Per Share

A$1.06 - A$8.25

2. Growth of Auswide Bank Ltd (5 min.)




Is Auswide Bank Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$186.7m$179.1m$7.5m4.0%

How much money is Auswide Bank Ltd making?

Current yearPrevious yearGrowGrow %
Making money$15.9m$16.6m-$676.5k-4.2%
Net Profit Margin30.5%33.7%--

How much money comes from the company's main activities?

3. Financial Health of Auswide Bank Ltd (5 min.)




4. Comparing to competitors in the Banks-Regional industry (5 min.)




  Industry Rankings (Banks-Regional)  

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What can you expect buying and holding a share of Auswide Bank Ltd? (5 min.)

Welcome investor! Auswide Bank Ltd's management wants to use your money to grow the business. In return you get a share of Auswide Bank Ltd.

What can you expect buying and holding a share of Auswide Bank Ltd?

First you should know what it really means to hold a share of Auswide Bank Ltd. And how you can make/lose money.

Speculation

The Price per Share of Auswide Bank Ltd is A$5.23. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Auswide Bank Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Auswide Bank Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$6.34. Based on the TTM, the Book Value Change Per Share is A$0.25 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.55 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.17 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Auswide Bank Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.346.6%0.346.6%0.366.8%0.305.8%0.254.8%
Usd Book Value Change Per Share0.163.1%0.163.1%0.356.7%0.163.0%0.152.8%
Usd Dividend Per Share0.112.0%0.112.0%0.203.8%0.173.2%0.142.7%
Usd Total Gains Per Share0.275.1%0.275.1%0.5510.5%0.326.2%0.295.5%
Usd Price Per Share3.42-3.42-3.87-3.55-3.45-
Price to Earnings Ratio9.97-9.97-10.80-11.83-14.54-
Price-to-Total Gains Ratio12.79-12.79-7.07-11.95-12.93-
Price to Book Ratio0.85-0.85-1.00-0.99-1.07-
Price-to-Total Gains Ratio12.79-12.79-7.07-11.95-12.93-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share3.322619
Number of shares300
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.110.17
Usd Book Value Change Per Share0.160.16
Usd Total Gains Per Share0.270.32
Gains per Quarter (300 shares)80.3296.86
Gains per Year (300 shares)321.28387.44
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1127194311199188377
2254389632399376764
33815839535985641151
450877712747987521538
563597215959979401925
676111661916119711282312
788813612237139613162699
8101515552558159615043086
9114217492879179516923473
10126919443200199518803860

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.03.02.083.3%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%27.03.00.090.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%30.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%30.00.00.0100.0%
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Fundamentals of Auswide Bank Ltd

About Auswide Bank Ltd

Auswide Bank Ltd engages in the provision of various personal and business banking products and services in Australia. The company accepts deposits, including call deposits, term deposits, certificates of deposit, and savings accounts, as well as business access, pension, cash management, and self-managed superannuation fund accounts; and provides loans comprising home, personal, car, home renovation, and business loans, as well as credit cards and overdrafts. It also offers home and contents, landlord, car, caravan and trailer, boat, and travel insurance products. In addition, the company provides telegraphic money transfer, financial advisory, online and phone banking, and business support services. The company was formerly known as Wide Bay Australia Ltd and changed its name to Auswide Bank Ltd in April 2015. Auswide Bank Ltd was founded in 1966 and is headquartered in Bundaberg, Australia.

Fundamental data was last updated by Penke on 2023-09-27 21:14:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Auswide Bank Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Auswide Bank Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • A Net Profit Margin of 30.5% means that $0.31 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Auswide Bank Ltd:

  • The MRQ is 30.5%. The company is making a huge profit. +2
  • The TTM is 30.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ30.5%TTM30.5%0.0%
TTM30.5%YOY33.7%-3.2%
TTM30.5%5Y30.3%+0.3%
5Y30.3%10Y28.4%+1.9%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ30.5%24.8%+5.7%
TTM30.5%27.5%+3.0%
YOY33.7%23.1%+10.6%
5Y30.3%23.4%+6.9%
10Y28.4%19.1%+9.3%
1.1.2. Return on Assets

Shows how efficient Auswide Bank Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • 0.5% Return on Assets means that Auswide Bank Ltd generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Auswide Bank Ltd:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.5%0.0%
TTM0.5%YOY0.6%-0.1%
TTM0.5%5Y0.5%0.0%
5Y0.5%10Y0.5%+0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.2%+0.3%
TTM0.5%0.2%+0.3%
YOY0.6%0.2%+0.4%
5Y0.5%0.2%+0.3%
10Y0.5%0.2%+0.3%
1.1.3. Return on Equity

Shows how efficient Auswide Bank Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • 8.5% Return on Equity means Auswide Bank Ltd generated $0.09 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Auswide Bank Ltd:

  • The MRQ is 8.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.5%TTM8.5%0.0%
TTM8.5%YOY9.3%-0.7%
TTM8.5%5Y8.4%+0.1%
5Y8.4%10Y7.6%+0.9%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.5%2.4%+6.1%
TTM8.5%2.8%+5.7%
YOY9.3%2.5%+6.8%
5Y8.4%2.5%+5.9%
10Y7.6%2.9%+4.7%
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1.2. Operating Efficiency of Auswide Bank Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Auswide Bank Ltd is operating .

  • Measures how much profit Auswide Bank Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • An Operating Margin of 43.8% means the company generated $0.44  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Auswide Bank Ltd:

  • The MRQ is 43.8%. The company is operating very efficient. +2
  • The TTM is 43.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ43.8%TTM43.8%0.0%
TTM43.8%YOY79.2%-35.4%
TTM43.8%5Y73.1%-29.3%
5Y73.1%10Y124.1%-51.0%
1.2.2. Operating Ratio

Measures how efficient Auswide Bank Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • An Operation Ratio of 0.54 means that the operating costs are $0.54 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Auswide Bank Ltd:

  • The MRQ is 0.541. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.541. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.541TTM0.5410.000
TTM0.541YOY0.522+0.020
TTM0.5415Y0.504+0.037
5Y0.50410Y0.647-0.143
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1.3. Liquidity of Auswide Bank Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Auswide Bank Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks-Regional industry mean).
  • A Current Ratio of 0.69 means the company has $0.69 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Auswide Bank Ltd:

  • The MRQ is 0.692. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.692. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.692TTM0.6920.000
TTM0.692YOY0.810-0.118
TTM0.6925Y0.771-0.079
5Y0.77110Y1.429-0.658
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.6920.054+0.638
YOY0.8100.232+0.578
5Y0.7710.210+0.561
10Y1.4290.112+1.317
1.3.2. Quick Ratio

Measures if Auswide Bank Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • A Quick Ratio of 0.75 means the company can pay off $0.75 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Auswide Bank Ltd:

  • The MRQ is 0.750. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.750. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.750TTM0.7500.000
TTM0.750YOY0.888-0.138
TTM0.7505Y0.866-0.116
5Y0.86610Y0.563+0.303
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1.4. Solvency of Auswide Bank Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Auswide Bank Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Auswide Bank Ltd to Banks-Regional industry mean.
  • A Debt to Asset Ratio of 0.94 means that Auswide Bank Ltd assets are financed with 94.2% credit (debt) and the remaining percentage (100% - 94.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Auswide Bank Ltd:

  • The MRQ is 0.942. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.942. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.942TTM0.9420.000
TTM0.942YOY0.937+0.005
TTM0.9425Y0.938+0.004
5Y0.93810Y0.933+0.004
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9420.918+0.024
TTM0.9420.918+0.024
YOY0.9370.920+0.017
5Y0.9380.921+0.017
10Y0.9330.929+0.004
1.4.2. Debt to Equity Ratio

Measures if Auswide Bank Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • A Debt to Equity ratio of 1,621.6% means that company has $16.22 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Auswide Bank Ltd:

  • The MRQ is 16.216. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.216. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ16.216TTM16.2160.000
TTM16.216YOY14.970+1.246
TTM16.2165Y15.030+1.186
5Y15.03010Y14.022+1.008
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.21611.167+5.049
TTM16.21611.209+5.007
YOY14.97011.481+3.489
5Y15.03011.800+3.230
10Y14.02213.357+0.665
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2. Market Valuation of Auswide Bank Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Auswide Bank Ltd generates.

  • Above 15 is considered overpriced but always compare Auswide Bank Ltd to the Banks-Regional industry mean.
  • A PE ratio of 9.97 means the investor is paying $9.97 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Auswide Bank Ltd:

  • The EOD is 9.669. Based on the earnings, the company is underpriced. +1
  • The MRQ is 9.965. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.965. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD9.669MRQ9.965-0.296
MRQ9.965TTM9.9650.000
TTM9.965YOY10.801-0.835
TTM9.9655Y11.832-1.867
5Y11.83210Y14.537-2.705
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.6695.038+4.631
MRQ9.9655.052+4.913
TTM9.9655.091+4.874
YOY10.80110.447+0.354
5Y11.83210.165+1.667
10Y14.53710.391+4.146
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Auswide Bank Ltd:

  • The EOD is -105.156. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -108.373. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -108.373. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-105.156MRQ-108.373+3.217
MRQ-108.373TTM-108.3730.000
TTM-108.373YOY10.498-118.871
TTM-108.3735Y-43.693-64.679
5Y-43.69310Y-14.547-29.146
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-105.156-0.830-104.326
MRQ-108.373-0.832-107.541
TTM-108.3730.081-108.454
YOY10.4984.105+6.393
5Y-43.6930.301-43.994
10Y-14.5470.118-14.665
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Auswide Bank Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • A PB ratio of 0.85 means the investor is paying $0.85 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Auswide Bank Ltd:

  • The EOD is 0.825. Based on the equity, the company is cheap. +2
  • The MRQ is 0.850. Based on the equity, the company is cheap. +2
  • The TTM is 0.850. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.825MRQ0.850-0.025
MRQ0.850TTM0.8500.000
TTM0.850YOY1.001-0.151
TTM0.8505Y0.989-0.139
5Y0.98910Y1.067-0.078
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8250.481+0.344
MRQ0.8500.482+0.368
TTM0.8500.539+0.311
YOY1.0010.786+0.215
5Y0.9890.835+0.154
10Y1.0671.118-0.051
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Auswide Bank Ltd.

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4. Summary

4.1. Key Performance Indicators

The key performance indicators of Auswide Bank Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2550.2550%0.551-54%0.247+3%0.231+10%
Book Value Per Share--6.3416.3410%6.086+4%5.666+12%5.149+23%
Current Ratio--0.6920.6920%0.810-15%0.771-10%1.429-52%
Debt To Asset Ratio--0.9420.9420%0.937+0%0.938+0%0.933+1%
Debt To Equity Ratio--16.21616.2160%14.970+8%15.030+8%14.022+16%
Dividend Per Share--0.1660.1660%0.311-46%0.262-36%0.223-26%
Eps--0.5410.5410%0.564-4%0.479+13%0.395+37%
Free Cash Flow Per Share---0.050-0.0500%0.580-109%0.283-118%0.373-113%
Free Cash Flow To Equity Per Share--3.1993.1990%1.044+207%2.375+35%2.766+16%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--1.905--------
Intrinsic Value_10Y_min---5.282--------
Intrinsic Value_1Y_max--0.334--------
Intrinsic Value_1Y_min---0.012--------
Intrinsic Value_3Y_max--0.895--------
Intrinsic Value_3Y_min---0.483--------
Intrinsic Value_5Y_max--1.324--------
Intrinsic Value_5Y_min---1.443--------
Market Cap242384433.680-3%249799636.240249799636.2400%282241147.440-11%258975949.408-4%251838816.944-1%
Net Profit Margin--0.3050.3050%0.337-9%0.303+1%0.284+8%
Operating Margin--0.4380.4380%0.792-45%0.731-40%1.241-65%
Operating Ratio--0.5410.5410%0.522+4%0.504+7%0.647-16%
Pb Ratio0.825-3%0.8500.8500%1.001-15%0.989-14%1.067-20%
Pe Ratio9.669-3%9.9659.9650%10.801-8%11.832-16%14.537-31%
Price Per Share5.230-3%5.3905.3900%6.090-11%5.588-4%5.434-1%
Price To Free Cash Flow Ratio-105.156+3%-108.373-108.3730%10.498-1132%-43.693-60%-14.547-87%
Price To Total Gains Ratio12.410-3%12.79012.7900%7.070+81%11.946+7%12.927-1%
Quick Ratio--0.7500.7500%0.888-16%0.866-13%0.563+33%
Return On Assets--0.0050.0050%0.006-15%0.005-6%0.005-1%
Return On Equity--0.0850.0850%0.093-8%0.084+1%0.076+13%
Total Gains Per Share--0.4210.4210%0.861-51%0.508-17%0.454-7%
Usd Book Value--186700693.400186700693.4000%179193988.600+4%166831304.720+12%151587987.292+23%
Usd Book Value Change Per Share--0.1620.1620%0.350-54%0.157+3%0.147+10%
Usd Book Value Per Share--4.0284.0280%3.867+4%3.600+12%3.271+23%
Usd Dividend Per Share--0.1060.1060%0.197-46%0.166-36%0.142-26%
Usd Eps--0.3440.3440%0.358-4%0.304+13%0.251+37%
Usd Free Cash Flow---1464366.500-1464366.5000%17080675.800-109%8322048.820-118%10968142.441-113%
Usd Free Cash Flow Per Share---0.032-0.0320%0.369-109%0.180-118%0.237-113%
Usd Free Cash Flow To Equity Per Share--2.0322.0320%0.663+207%1.509+35%1.757+16%
Usd Market Cap153986830.717-3%158697708.903158697708.9030%179307800.969-11%164527420.659-4%159993200.405-1%
Usd Price Per Share3.323-3%3.4243.4240%3.869-11%3.550-4%3.452-1%
Usd Profit--15925065.10015925065.1000%16601659.600-4%14111156.540+13%11633458.079+37%
Usd Revenue--52128906.20052128906.2000%49247185.400+6%46342339.680+12%40405488.307+29%
Usd Total Gains Per Share--0.2680.2680%0.547-51%0.323-17%0.289-7%
 EOD+3 -5MRQTTM+0 -0YOY+11 -245Y+18 -1710Y+19 -16

4.2. Fundamental Score

Let's check the fundamental score of Auswide Bank Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.669
Price to Book Ratio (EOD)Between0-10.825
Net Profit Margin (MRQ)Greater than00.305
Operating Margin (MRQ)Greater than00.438
Quick Ratio (MRQ)Greater than10.750
Current Ratio (MRQ)Greater than10.692
Debt to Asset Ratio (MRQ)Less than10.942
Debt to Equity Ratio (MRQ)Less than116.216
Return on Equity (MRQ)Greater than0.150.085
Return on Assets (MRQ)Greater than0.050.005
Total5/10 (50.0%)

4.3. Technical Score

Let's check the technical score of Auswide Bank Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5047.456
Ma 20Greater thanMa 505.245
Ma 50Greater thanMa 1005.285
Ma 100Greater thanMa 2005.191
OpenGreater thanClose5.250
Total2/5 (40.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets5,059,537
Total Liabilities4,765,659
Total Stockholder Equity293,878
 As reported
Total Liabilities 4,765,659
Total Stockholder Equity+ 293,878
Total Assets = 5,059,537

Assets

Total Assets5,059,537
Total Current Assets601,681
Long-term Assets601,681
Total Current Assets
Cash And Cash Equivalents 551,775
Short-term Investments 49,906
Total Current Assets  (as reported)601,681
Total Current Assets  (calculated)601,681
+/-0
Long-term Assets
Property Plant Equipment 18,914
Goodwill 46,363
Long Term Investments 50,476
Intangible Assets 2,975
Long-term Assets Other -118,728
Long-term Assets  (as reported)118,728
Long-term Assets  (calculated)0
+/- 118,728

Liabilities & Shareholders' Equity

Total Current Liabilities869,190
Long-term Liabilities42,000
Total Stockholder Equity293,878
Total Current Liabilities
Short-term Debt 866,768
Short Long Term Debt 866,768
Accounts payable 2,422
Other Current Liabilities -869,190
Total Current Liabilities  (as reported)869,190
Total Current Liabilities  (calculated)866,768
+/- 2,422
Long-term Liabilities
Long term Debt Total 675,743
Long term Debt 42,000
Capital Lease Obligations Min Short Term Debt-866,768
Long-term Liabilities  (as reported)42,000
Long-term Liabilities  (calculated)-149,025
+/- 191,025
Total Stockholder Equity
Common Stock211,818
Retained Earnings 59,789
Accumulated Other Comprehensive Income 22,271
Total Stockholder Equity (as reported)293,878
Total Stockholder Equity (calculated)293,878
+/-0
Other
Capital Stock211,818
Cash and Short Term Investments 601,681
Common Stock Shares Outstanding 43,208
Liabilities and Stockholders Equity 5,059,537
Net Debt 356,993
Net Invested Capital 1,202,646
Net Working Capital -267,509
Short Long Term Debt Total 908,768



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-301996-06-301995-06-301994-06-30
> Total Assets 
372,283
413,197
463,310
589,021
635,319
741,306
923,885
582,932
617,561
767,799
841,893
889,986
1,645,120
1,731,420
2,277,706
2,478,096
2,724,911
2,708,893
2,696,595
2,672,381
2,634,195
2,717,024
3,072,820
3,289,978
3,350,275
3,603,402
3,789,466
4,155,785
4,504,563
5,059,537
5,059,5374,504,5634,155,7853,789,4663,603,4023,350,2753,289,9783,072,8202,717,0242,634,1952,672,3812,696,5952,708,8932,724,9112,478,0962,277,7061,731,4201,645,120889,986841,893767,799617,561582,932923,885741,306635,319589,021463,310413,197372,283
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,214,504
2,413,862
2,662,344
2,647,064
2,637,368
2,613,366
2,574,068
2,657,020
3,008,194
3,218,462
3,241,121
442,771
501,814
525,098
586,886
601,681
601,681586,886525,098501,814442,7713,241,1213,218,4623,008,1942,657,0202,574,0682,613,3662,637,3682,647,0642,662,3442,413,8622,214,50400000000000000
       Cash And Cash Equivalents 
55,105
34,418
7,097
8,135
13,130
8,206
8,809
17,139
28,568
35,062
31,898
45,361
62,756
52,357
92,820
115,596
199,742
191,348
239,050
234,716
246,036
251,645
289,729
385,268
311,928
381,539
415,943
466,442
542,267
551,775
551,775542,267466,442415,943381,539311,928385,268289,729251,645246,036234,716239,050191,348199,742115,59692,82052,35762,75645,36131,89835,06228,56817,1398,8098,20613,1308,1357,09734,41855,105
       Short-term Investments 
50
0
60,307
71,720
0
90,993
111,327
126,276
185,144
102,347
89,702
142
179
164
350
352
116,414
123,186
106,689
94,654
76,309
54,367
19,848
24,065
18,226
61,232
85,871
58,656
44,619
49,906
49,90644,61958,65685,87161,23218,22624,06519,84854,36776,30994,654106,689123,186116,41435235016417914289,702102,347185,144126,276111,32790,993071,72060,307050
       Net Receivables 
0
0
0
45,956
51,736
88,505
501
4,168
4,099
7,506
12,346
8,672
125,256
74,236
88,873
130,832
72,304
33,954
38,872
35,313
11,662
5,924
12,818
6,735
5,298
1,575
3,344
0
11,773
0
011,77303,3441,5755,2986,73512,8185,92411,66235,31338,87233,95472,304130,83288,87374,236125,2568,67212,3467,5064,0994,16850188,50551,73645,956000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,032,461
2,167,082
2,273,884
2,298,575
2,252,757
2,248,683
2,240,060
2,345,084
2,685,799
2,802,394
2,905,669
3,036,104
3,132,365
3,502,392
21,291
0
021,2913,502,3923,132,3653,036,1042,905,6692,802,3942,685,7992,345,0842,240,0602,248,6832,252,7572,298,5752,273,8842,167,0822,032,46100000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
63,202
64,234
62,567
61,829
59,227
59,015
60,128
60,004
64,626
71,516
109,154
124,124
155,287
128,295
114,965
118,728
118,728114,965128,295155,287124,124109,15471,51664,62660,00460,12859,01559,22761,82962,56764,23463,20200000000000000
       Property Plant Equipment 
4,231
16,499
16,643
17,837
18,017
17,611
12,610
12,615
12,487
11,155
11,300
11,787
17,157
17,334
21,892
22,177
20,510
19,772
17,170
16,958
18,071
17,946
15,544
14,606
15,576
14,363
21,394
21,315
20,648
18,914
18,91420,64821,31521,39414,36315,57614,60615,54417,94618,07116,95817,17019,77220,51022,17721,89217,33417,15711,78711,30011,15512,48712,61512,61017,61118,01717,83716,64316,4994,231
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
41,310
42,057
42,057
42,057
42,057
42,057
42,057
42,057
46,363
48,975
46,363
46,363
46,363
46,363
46,363
46,363
46,36346,36346,36346,36346,36346,36348,97546,36342,05742,05742,05742,05742,05742,05742,05741,31000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
70,818
51,256
25,634
39,577
45,259
61,635
86,332
59,134
45,115
50,476
50,47645,11559,13486,33261,63545,25939,57725,63451,25670,81800000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
41,310
42,057
42,057
42,057
42,057
42,057
42,057
1,822
2,720
7,935
1,956
1,763
1,198
1,483
2,839
2,975
2,9752,8391,4831,1981,7631,9567,9352,7201,82242,05742,05742,05742,05742,05742,05741,31000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
277,661
279,597
383,257
305,997
381,903
423,838
467,171
0
0
00467,171423,838381,903305,997383,257279,597277,661000000000000000000000
> Total Liabilities 
352,614
390,989
435,511
563,240
607,532
711,408
884,775
540,773
540,756
687,873
762,087
807,328
1,556,764
1,638,903
2,137,678
2,327,118
2,564,324
2,514,197
2,497,972
2,485,459
2,438,217
2,517,033
2,856,165
3,066,270
3,113,533
3,364,905
3,547,428
3,899,248
4,222,501
4,765,659
4,765,6594,222,5013,899,2483,547,4283,364,9053,113,5333,066,2702,856,1652,517,0332,438,2172,485,4592,497,9722,514,1972,564,3242,327,1182,137,6781,638,9031,556,764807,328762,087687,873540,756540,773884,775711,408607,532563,240435,511390,989352,614
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,761,259
1,873,060
2,129,616
2,222,314
690,739
616,184
604,405
652,486
724,579
869,190
869,190724,579652,486604,405616,184690,7392,222,3142,129,6161,873,0601,761,25900000000000000000000
       Short-term Debt 
50
0
60,307
71,720
0
90,993
111,327
126,276
185,144
102,347
89,702
142
747,079
758,389
947,998
790,456
903,601
971,803
798,597
701,603
634,130
603,658
613,821
955,292
688,166
608,912
601,524
649,520
721,567
866,768
866,768721,567649,520601,524608,912688,166955,292613,821603,658634,130701,603798,597971,803903,601790,456947,998758,389747,07914289,702102,347185,144126,276111,32790,993071,72060,307050
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
662,130
631,658
613,821
955,292
688,166
608,912
601,524
649,520
721,567
866,768
866,768721,567649,520601,524608,912688,166955,292613,821631,658662,13000000000000000000000
       Accounts payable 
0
0
0
0
0
0
2,452
2,979
2,575
3,599
2,489
4,026
4,508
2,770
6,793
5,327
5,836
3,291
4,073
5,534
2,277
1,855,682
4,687
2,207,839
2,573
7,272
2,881
2,966
3,012
2,422
2,4223,0122,9662,8817,2722,5732,207,8394,6871,855,6822,2775,5344,0733,2915,8365,3276,7932,7704,5084,0262,4893,5992,5752,9792,452000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-411
1,222
721
-616,184
-604,405
-652,486
-724,579
-869,190
-869,190-724,579-652,486-604,405-616,1847211,222-4110000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
29,891
28,000
28,000
42,000
42,000
42,000
42,00042,00042,00028,00028,00029,891000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
631,658
641,821
736,020
635,166
518,412
503,624
530,157
567,019
675,743
675,743567,019530,157503,624518,412635,166736,020641,821631,658000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
4,760
10,560
10,559
10,396
22,211
17,594
16,647
31,448
30,516
38,156
37,945
40,328
38,319
40,035
26,638
12,316
9,319
7,936
12,943
17,501
5,282
1,705
40,979
0
040,9791,7055,28217,50112,9437,9369,31912,31626,63840,03538,31940,32837,94538,15630,51631,44816,64717,59422,21110,39610,55910,5604,760000000
> Total Stockholder Equity
19,669
22,208
27,798
25,782
27,787
29,898
39,110
42,159
76,805
79,926
79,806
82,657
88,356
92,517
140,028
150,978
160,587
194,696
198,623
186,922
195,978
199,990
216,655
223,708
236,742
238,497
242,038
256,537
282,062
293,878
293,878282,062256,537242,038238,497236,742223,708216,655199,990195,978186,922198,623194,696160,587150,978140,02892,51788,35682,65779,80679,92676,80542,15939,11029,89827,78725,78227,79822,20819,669
   Common Stock
3,719
3,970
3,986
4,080
4,220
4,338
23,559
23,916
24,380
25,082
25,602
57,918
26,952
59,621
105,931
117,814
124,648
156,384
161,810
162,377
163,551
166,637
182,629
184,752
191,612
191,936
193,261
195,218
199,784
211,818
211,818199,784195,218193,261191,936191,612184,752182,629166,637163,551162,377161,810156,384124,648117,814105,93159,62126,95257,91825,60225,08224,38023,91623,5594,3384,2204,0803,9863,9703,719
   Retained Earnings 
1,986
2,427
2,862
3,370
3,730
4,338
4,840
5,075
6,620
10,201
10,964
13,590
15,602
18,810
19,612
17,733
20,542
22,802
22,868
10,113
18,015
19,536
20,668
23,687
29,898
31,418
34,346
45,823
53,843
59,789
59,78953,84345,82334,34631,41829,89823,68720,66819,53618,01510,11322,86822,80220,54217,73319,61218,81015,60213,59010,96410,2016,6205,0754,8404,3383,7303,3702,8622,4271,986
   Capital Surplus 000000000000000000000000000000
   Treasury Stock000000000000000000000000000000
   Other Stockholders Equity 
13,964
15,811
20,950
23,690
25,929
28,111
18,375
21,929
55,416
54,578
54,191
11,149
58,741
28,445
30,224
32,926
34,583
36,177
35,967
37,537
38,829
38,862
33,481
37,309
37,927
38,460
33,082
4,598
28,435
4,894
4,89428,4354,59833,08238,46037,92737,30933,48138,86238,82937,53735,96736,17734,58332,92630,22428,44558,74111,14954,19154,57855,41621,92918,37528,11125,92923,69020,95015,81113,964



Balance Sheet

Currency in AUD. All numbers in thousands.