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Bank Kuznetskiy OAO
Buy, Hold or Sell?

Let's analyse Bank Kuznetskiy OAO together

PenkeI guess you are interested in Bank Kuznetskiy OAO. 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 Bank Kuznetskiy OAO. 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 Bank Kuznetskiy OAO (30 sec.)










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

How much money do you get?

How much money do you get?
₽0.00
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
₽0.03
Expected worth in 1 year
₽0.03
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
₽0.01
Return On Investment
11.8%

For what price can you sell your share?

Current Price per Share
₽0.05
Expected price per share
₽0.043 - ₽0.0639
How sure are you?
50%
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1. Valuation of Bank Kuznetskiy OAO (5 min.)




Live pricePrice per Share (EOD)

₽0.05

Intrinsic Value Per Share

₽-0.04 - ₽0.09

Total Value Per Share

₽-0.01 - ₽0.11

2. Growth of Bank Kuznetskiy OAO (5 min.)




Is Bank Kuznetskiy OAO growing?

Current yearPrevious yearGrowGrow %
How rich?$6.7m$6.7m-$14.7k-0.2%

How much money is Bank Kuznetskiy OAO making?

Current yearPrevious yearGrowGrow %
Making money$825.5k$720.6k$104.9k12.7%
Net Profit Margin12.4%12.3%--

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

3. Financial Health of Bank Kuznetskiy OAO (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 Bank Kuznetskiy OAO? (5 min.)

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

What can you expect buying and holding a share of Bank Kuznetskiy OAO?

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

Speculation

The Price per Share of Bank Kuznetskiy OAO is ₽0.0477. 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 Bank Kuznetskiy OAO.
  • 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 Bank Kuznetskiy OAO, 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 ₽0.03. Based on the TTM, the Book Value Change Per Share is ₽0.00 per quarter. Based on the YOY, the Book Value Change Per Share is ₽0.00 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 ₽0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bank Kuznetskiy OAO.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.000.1%0.000.1%0.000.1%0.000.1%0.000.0%
Usd Book Value Change Per Share0.000.0%0.000.0%0.000.1%0.000.0%0.000.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.000.0%0.000.0%0.000.1%0.000.0%0.000.0%
Usd Price Per Share0.00-0.00-0.00-0.00-0.00-
Price to Earnings Ratio5.30-5.30-4.52-7.83-20.68-
Price-to-Total Gains Ratio12.81-12.81-5.45-5.57-8.52-
Price to Book Ratio0.65-0.65-0.48-0.54-0.72-
Price-to-Total Gains Ratio12.81-12.81-5.45-5.57-8.52-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.00051516
Number of shares1941144
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.000.00
Usd Total Gains Per Share0.000.00
Gains per Quarter (1941144 shares)29.4720.45
Gains per Year (1941144 shares)117.8781.79
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1123-510893-1172
2246-10226186-23154
3369-15344279-34236
4492-20462373-45318
5615-26580466-57400
6738-31698559-68482
7861-36816652-80564
8984-41934745-91646
91107-461052838-102728
101230-511170932-114810

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%14.01.00.093.3%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%3.02.00.060.0%8.02.00.080.0%12.03.00.080.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%10.00.05.066.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%9.01.00.090.0%13.02.00.086.7%
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Fundamentals of Bank Kuznetskiy OAO

About Bank Kuznetskiy OAO

Kuznetsky Bank Public joint stock company, a financial and credit institution that offers a range of financial services to individuals, small and medium-sized enterprises, and individual entrepreneurs. The company offers various deposits; deposits in rubles and foreign currencies; consumer lending services; mortgage lending services; money transfer services in rubles; plastic cards; safe boxes renting services; settlement and cash services; payroll projects; and other banking products. Kuznetsky Bank Public joint stock company was founded in 1990 and is headquartered in Penza, Russia.

Fundamental data was last updated by Penke on 2023-11-22 06:05:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient 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 efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very 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 cheap.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Bank Kuznetskiy OAO.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bank Kuznetskiy OAO earns for each руб1 of revenue.

  • Above 10% is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • A Net Profit Margin of 12.4% means that руб0.12 for each руб1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bank Kuznetskiy OAO:

  • The MRQ is 12.4%. The company is making a huge profit. +2
  • The TTM is 12.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ12.4%TTM12.4%0.0%
TTM12.4%YOY12.3%+0.1%
TTM12.4%5Y8.6%+3.8%
5Y8.6%10Y7.9%+0.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.4%36.5%-24.1%
TTM12.4%28.8%-16.4%
YOY12.3%24.2%-11.9%
5Y8.6%23.3%-14.7%
10Y7.9%19.7%-11.8%
1.1.2. Return on Assets

Shows how efficient Bank Kuznetskiy OAO is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • 1.1% Return on Assets means that Bank Kuznetskiy OAO generated руб0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bank Kuznetskiy OAO:

  • The MRQ is 1.1%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.1%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.1%TTM1.1%0.0%
TTM1.1%YOY1.0%+0.2%
TTM1.1%5Y0.8%+0.4%
5Y0.8%10Y0.7%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1%0.3%+0.8%
TTM1.1%0.2%+0.9%
YOY1.0%0.2%+0.8%
5Y0.8%0.2%+0.6%
10Y0.7%0.2%+0.5%
1.1.3. Return on Equity

Shows how efficient Bank Kuznetskiy OAO is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • 12.3% Return on Equity means Bank Kuznetskiy OAO generated руб0.12 for each руб1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bank Kuznetskiy OAO:

  • The MRQ is 12.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.3%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.3%TTM12.3%0.0%
TTM12.3%YOY10.7%+1.6%
TTM12.3%5Y7.9%+4.4%
5Y7.9%10Y7.0%+1.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.3%3.1%+9.2%
TTM12.3%2.7%+9.6%
YOY10.7%2.7%+8.0%
5Y7.9%2.5%+5.4%
10Y7.0%2.9%+4.1%
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1.2. Operating Efficiency of Bank Kuznetskiy OAO.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bank Kuznetskiy OAO is operating .

  • Measures how much profit Bank Kuznetskiy OAO makes for each руб1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • An Operating Margin of 18.0% means the company generated руб0.18  for each руб1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bank Kuznetskiy OAO:

  • The MRQ is 18.0%. The company is operating efficient. +1
  • The TTM is 18.0%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ18.0%TTM18.0%0.0%
TTM18.0%YOY17.9%+0.2%
TTM18.0%5Y31.8%-13.7%
5Y31.8%10Y26.9%+4.9%
1.2.2. Operating Ratio

Measures how efficient Bank Kuznetskiy OAO is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.76 means that the operating costs are руб0.76 for each руб1 in net sales.

Let's take a look of the Operating Ratio trends of Bank Kuznetskiy OAO:

  • The MRQ is 0.761. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.761. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.761TTM0.7610.000
TTM0.761YOY0.648+0.113
TTM0.7615Y0.710+0.050
5Y0.71010Y0.728-0.018
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1.3. Liquidity of Bank Kuznetskiy OAO.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bank Kuznetskiy OAO 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 65.23 means the company has руб65.23 in assets for each руб1 in short-term debts.

Let's take a look of the Current Ratio trends of Bank Kuznetskiy OAO:

  • The MRQ is 65.226. The company is very able to pay all its short-term debts. +2
  • The TTM is 65.226. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ65.226TTM65.2260.000
TTM65.226YOY69.357-4.131
TTM65.2265Y37.863+27.363
5Y37.86310Y19.123+18.739
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM65.2260.127+65.099
YOY69.3570.228+69.129
5Y37.8630.221+37.642
10Y19.1230.125+18.998
1.3.2. Quick Ratio

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

  • Above 1 is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • A Quick Ratio of 65.23 means the company can pay off руб65.23 for each руб1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bank Kuznetskiy OAO:

  • The MRQ is 65.226. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 65.226. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ65.226TTM65.2260.000
TTM65.226YOY69.357-4.131
TTM65.2265Y37.693+27.533
5Y37.69310Y18.925+18.768
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM65.2260.001+65.225
5Y37.6930.016+37.677
10Y18.9250.013+18.912
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1.4. Solvency of Bank Kuznetskiy OAO.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bank Kuznetskiy OAO assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bank Kuznetskiy OAO to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that Bank Kuznetskiy OAO assets are financed with 90.7% credit (debt) and the remaining percentage (100% - 90.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bank Kuznetskiy OAO:

  • The MRQ is 0.907. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.907. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.907TTM0.9070.000
TTM0.907YOY0.911-0.004
TTM0.9075Y0.904+0.003
5Y0.90410Y0.892+0.012
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9070.916-0.009
TTM0.9070.917-0.010
YOY0.9110.919-0.008
5Y0.9040.920-0.016
10Y0.8920.928-0.036
1.4.2. Debt to Equity Ratio

Measures if Bank Kuznetskiy OAO is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 979.5% means that company has руб9.80 debt for each руб1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bank Kuznetskiy OAO:

  • The MRQ is 9.795. The company is unable to pay all its debts with equity. -1
  • The TTM is 9.795. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ9.795TTM9.7950.000
TTM9.795YOY10.226-0.430
TTM9.7955Y9.543+0.252
5Y9.54310Y8.449+1.094
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.79510.841-1.046
TTM9.79511.116-1.321
YOY10.22611.414-1.188
5Y9.54311.618-2.075
10Y8.44913.164-4.715
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2. Market Valuation of Bank Kuznetskiy OAO

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every руб1 in earnings Bank Kuznetskiy OAO generates.

  • Above 15 is considered overpriced but always compare Bank Kuznetskiy OAO to the Banks - Regional industry mean.
  • A PE ratio of 5.30 means the investor is paying руб5.30 for every руб1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bank Kuznetskiy OAO:

  • The EOD is 14.042. Based on the earnings, the company is underpriced. +1
  • The MRQ is 5.299. Based on the earnings, the company is cheap. +2
  • The TTM is 5.299. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD14.042MRQ5.299+8.743
MRQ5.299TTM5.2990.000
TTM5.299YOY4.519+0.780
TTM5.2995Y7.832-2.533
5Y7.83210Y20.678-12.846
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD14.0423.228+10.814
MRQ5.2993.814+1.485
TTM5.2996.231-0.932
YOY4.5199.550-5.031
5Y7.83210.212-2.380
10Y20.67810.258+10.420
2.2. Price To Free Cash Flow Ratio

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

  • The EOD is -29.444. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -11.111. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -11.111. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-29.444MRQ-11.111-18.333
MRQ-11.111TTM-11.1110.000
TTM-11.111YOY-1.104-10.007
TTM-11.1115Y-0.830-10.281
5Y-0.83010Y0.210-1.040
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-29.4440.653-30.097
MRQ-11.1110.771-11.882
TTM-11.1110.514-11.625
YOY-1.1045.763-6.867
5Y-0.8300.476-1.306
10Y0.2100.138+0.072
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bank Kuznetskiy OAO 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 0.65 means the investor is paying руб0.65 for each руб1 in book value.

Let's take a look of the Price to Book Ratio trends of Bank Kuznetskiy OAO:

  • The EOD is 1.727. Based on the equity, the company is underpriced. +1
  • The MRQ is 0.652. Based on the equity, the company is cheap. +2
  • The TTM is 0.652. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.727MRQ0.652+1.075
MRQ0.652TTM0.6520.000
TTM0.652YOY0.484+0.168
TTM0.6525Y0.544+0.108
5Y0.54410Y0.720-0.177
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.7270.395+1.332
MRQ0.6520.467+0.185
TTM0.6520.520+0.132
YOY0.4840.697-0.213
5Y0.5440.813-0.269
10Y0.7201.069-0.349
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of Bank Kuznetskiy OAO 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--0.0000.0000%0.002-102%0.000+123%0.001-106%
Book Value Per Share--0.0280.0280%0.0280%0.027+3%0.025+12%
Current Ratio--65.22665.2260%69.357-6%37.863+72%19.123+241%
Debt To Asset Ratio--0.9070.9070%0.9110%0.904+0%0.892+2%
Debt To Equity Ratio--9.7959.7950%10.226-4%9.543+3%8.449+16%
Dividend Per Share--0.0010.0010%0.000+3299900%0.001+32%0.001+84%
Eps--0.0030.0030%0.003+15%0.002+52%0.002+92%
Free Cash Flow Per Share---0.002-0.0020%-0.012+649%0.005-131%0.006-129%
Free Cash Flow To Equity Per Share---0.005-0.0050%-0.012+121%0.008-169%0.007-174%
Gross Profit Margin--1.0001.0000%1.0000%0.969+3%0.951+5%
Intrinsic Value_10Y_max--0.086--------
Intrinsic Value_10Y_min---0.042--------
Intrinsic Value_1Y_max--0.007--------
Intrinsic Value_1Y_min--0.003--------
Intrinsic Value_3Y_max--0.022--------
Intrinsic Value_3Y_min--0.002--------
Intrinsic Value_5Y_max--0.039--------
Intrinsic Value_5Y_min---0.005--------
Market Cap1073416939.315+62%405062995.968405062995.9680%301546896.998+34%326750816.748+24%380084111.217+7%
Net Profit Margin--0.1240.1240%0.123+1%0.086+44%0.079+58%
Operating Margin--0.1800.1800%0.179+1%0.318-43%0.269-33%
Operating Ratio--0.7610.7610%0.648+17%0.710+7%0.728+4%
Pb Ratio1.727+62%0.6520.6520%0.484+35%0.544+20%0.720-10%
Pe Ratio14.042+62%5.2995.2990%4.519+17%7.832-32%20.678-74%
Price Per Share0.048+62%0.0180.0180%0.013+34%0.015+24%0.017+7%
Price To Free Cash Flow Ratio-29.444-165%-11.111-11.1110%-1.104-90%-0.830-93%0.210-5382%
Price To Total Gains Ratio33.937+62%12.80612.8060%5.449+135%5.573+130%8.521+50%
Quick Ratio--65.22665.2260%69.357-6%37.693+73%18.925+245%
Return On Assets--0.0110.0110%0.010+19%0.008+50%0.007+53%
Return On Equity--0.1230.1230%0.107+15%0.079+55%0.070+76%
Total Gains Per Share--0.0010.0010%0.002-43%0.001+44%0.002-25%
Usd Book Value--6713215.2006713215.2000%6728011.2000%6519640.320+3%5985558.720+12%
Usd Book Value Change Per Share--0.0000.0000%0.000-102%0.000+123%0.000-106%
Usd Book Value Per Share--0.0000.0000%0.0000%0.000+3%0.000+12%
Usd Dividend Per Share--0.0000.0000%0.000+3299900%0.000+32%0.000+84%
Usd Eps--0.0000.0000%0.000+15%0.000+52%0.000+92%
Usd Free Cash Flow---393724.800-393724.8000%-2950473.600+649%1263299.760-131%1338449.400-129%
Usd Free Cash Flow Per Share--0.0000.0000%0.000+649%0.000-131%0.000-129%
Usd Free Cash Flow To Equity Per Share--0.0000.0000%0.000+121%0.000-169%0.000-174%
Usd Market Cap11592902.945+62%4374680.3564374680.3560%3256706.488+34%3528908.821+24%4104908.401+7%
Usd Price Per Share0.001+62%0.0000.0000%0.000+34%0.000+24%0.000+7%
Usd Profit--825595.200825595.2000%720651.600+15%527830.560+56%425623.680+94%
Usd Revenue--6640876.8006640876.8000%5867208.000+13%6037040.160+10%5271801.840+26%
Usd Total Gains Per Share--0.0000.0000%0.000-43%0.000+44%0.000-25%
 EOD+5 -3MRQTTM+0 -0YOY+22 -135Y+25 -1110Y+22 -14

3.2. Fundamental Score

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

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1514.042
Price to Book Ratio (EOD)Between0-11.727
Net Profit Margin (MRQ)Greater than00.124
Operating Margin (MRQ)Greater than00.180
Quick Ratio (MRQ)Greater than165.226
Current Ratio (MRQ)Greater than165.226
Debt to Asset Ratio (MRQ)Less than10.907
Debt to Equity Ratio (MRQ)Less than19.795
Return on Equity (MRQ)Greater than0.150.123
Return on Assets (MRQ)Greater than0.050.011
Total6/10 (60.0%)

3.3. Technical Score

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

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5027.308
Ma 20Greater thanMa 500.054
Ma 50Greater thanMa 1000.060
Ma 100Greater thanMa 2000.064
OpenGreater thanClose0.049
Total2/5 (40.0%)



Latest Balance Sheet

Balance Sheet of 2021-12-31. Currency in RUB. All numbers in thousands.

Summary
Total Assets6,710,292
Total Liabilities6,088,698
Total Stockholder Equity621,594
 As reported
Total Liabilities 6,088,698
Total Stockholder Equity+ 621,594
Total Assets = 6,710,292

Assets

Total Assets6,710,292
Total Current Assets1,583,750
Long-term Assets1,583,750
Total Current Assets
Cash And Cash Equivalents 1,540,821
Net Receivables 42,929
Inventory 219
Total Current Assets  (as reported)1,583,750
Total Current Assets  (calculated)1,583,969
+/- 219
Long-term Assets
Property Plant Equipment 264,100
Long Term Investments 898,252
Intangible Assets 16,124
Long-term Assets Other -1,178,476
Long-term Assets  (as reported)1,178,476
Long-term Assets  (calculated)0
+/- 1,178,476

Liabilities & Shareholders' Equity

Total Current Liabilities24,281
Long-term Liabilities77,618
Total Stockholder Equity621,594
Total Current Liabilities
Accounts payable 24,281
Other Current Liabilities -24,281
Total Current Liabilities  (as reported)24,281
Total Current Liabilities  (calculated)0
+/- 24,281
Long-term Liabilities
Other Liabilities 42,099
Long-term Liabilities  (as reported)77,618
Long-term Liabilities  (calculated)42,099
+/- 35,519
Total Stockholder Equity
Common Stock225,035
Retained Earnings 376,935
Other Stockholders Equity 19,624
Total Stockholder Equity (as reported)621,594
Total Stockholder Equity (calculated)621,594
+/-0
Other
Capital Stock225,035
Cash and Short Term Investments 1,540,821
Common Stock Shares Outstanding 22,503,491
Liabilities and Stockholders Equity 6,710,292
Net Debt -1,463,203
Net Tangible Assets 605,470
Net Working Capital 1,559,469
Short Long Term Debt Total 77,618



Balance Sheet

Currency in RUB. All numbers in thousands.

 Trend2021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-31
> Total Assets 
1,515,436
1,175,205
1,493,075
2,151,409
2,873,016
3,550,450
4,278,578
3,881,851
4,458,135
4,755,399
5,589,094
5,800,525
6,554,087
6,993,118
6,710,292
6,710,2926,993,1186,554,0875,800,5255,589,0944,755,3994,458,1353,881,8514,278,5783,550,4502,873,0162,151,4091,493,0751,175,2051,515,436
   > Total Current Assets 
0
0
0
0
531,000
528,000
1,058,000
746,000
722,679
4,168,735
4,551,001
1,270,196
1,520,337
1,923,193
1,583,750
1,583,7501,923,1931,520,3371,270,1964,551,0014,168,735722,679746,0001,058,000528,000531,0000000
       Cash And Cash Equivalents 
213,273
51,102
171,584
411,611
337,530
349,694
746,586
561,553
521,264
602,071
767,664
1,211,986
1,469,326
1,883,585
1,540,821
1,540,8211,883,5851,469,3261,211,986767,664602,071521,264561,553746,586349,694337,530411,611171,58451,102213,273
       Short-term Investments 
0
0
0
0
20,000
0
0
0
0
0
0
0
0
0
0
000000000020,0000000
       Net Receivables 
0
0
0
0
18,000
7,000
1,000
6,000
31,835
2,485
44,114
58,210
51,011
39,608
42,929
42,92939,60851,01158,21044,1142,48531,8356,0001,0007,00018,0000000
       Other Current Assets 
0
0
0
0
27,000
52,000
46,000
31,000
224,706
244,429
3,783,337
3,735,827
3,681,162
3,648,643
3,948,066
3,948,0663,648,6433,681,1623,735,8273,783,337244,429224,70631,00046,00052,00027,0000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
586,664
1,038,093
794,502
1,352,588
1,421,282
1,178,476
1,178,4761,421,2821,352,588794,5021,038,093586,664000000000
       Property Plant Equipment 
112,232
157,831
150,857
165,346
314,507
362,132
400,543
560,755
567,524
582,135
436,193
408,383
337,513
288,236
264,100
264,100288,236337,513408,383436,193582,135567,524560,755400,543362,132314,507165,346150,857157,831112,232
       Goodwill 
0
0
0
0
0
0
0
0
0
4,529
6,234
4,826
4,341
0
0
004,3414,8266,2344,529000000000
       Long Term Investments 
0
0
0
0
0
210,000
51,000
133,000
337,990
560,097
595,666
381,293
1,027,213
1,127,755
898,252
898,2521,127,7551,027,213381,293595,666560,097337,990133,00051,000210,00000000
       Intangible Assets 
0
0
0
0
0
0
0
0
62
5,149
6,234
4,826
4,341
13,283
16,124
16,12413,2834,3414,8266,2345,1496200000000
       Earning Assets 
0
0
0
0
0
0
281,545
369,393
467,781
840,439
885,265
0
0
0
0
0000885,265840,439467,781369,393281,545000000
> Total Liabilities 
1,348,300
972,718
1,283,728
1,968,527
2,496,444
3,131,889
3,814,183
3,380,575
3,955,389
4,118,545
4,920,773
5,262,676
5,986,463
6,370,154
6,088,698
6,088,6986,370,1545,986,4635,262,6764,920,7734,118,5453,955,3893,380,5753,814,1833,131,8892,496,4441,968,5271,283,728972,7181,348,300
   > Total Current Liabilities 
0
0
0
0
2,473,000
3,102,000
3,648,000
3,288,000
3,928,562
3,970,382
4,407,078
23,770
5,836,807
27,729
24,281
24,28127,7295,836,80723,7704,407,0783,970,3823,928,5623,288,0003,648,0003,102,0002,473,0000000
       Short-term Debt 
0
0
0
0
32,000
7,000
167,000
186,000
5,830
12,762
24,217
67,846
0
0
0
00067,84624,21712,7625,830186,000167,0007,00032,0000000
       Short Long Term Debt 
0
0
0
0
32,000
7,000
167,000
186,000
5,830
12,762
24,217
67,846
0
0
0
00067,84624,21712,7625,830186,000167,0007,00032,0000000
       Accounts payable 
0
0
0
0
2,435,000
3,048,000
3,636,000
3,169,000
3,885,459
3,947,648
20,937
23,770
5,566,975
27,729
24,281
24,28127,7295,566,97523,77020,9373,947,6483,885,4593,169,0003,636,0003,048,0002,435,0000000
       Other Current Liabilities 
0
0
0
0
0
0
1,000
4,000
280
9,972
444
-23,770
15,457
-27,729
-24,281
-24,281-27,72915,457-23,7704449,9722804,0001,000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
135,920
0
0
70,320
77,618
77,61870,32000135,9200000000000
       Long term Debt Total 
0
0
0
0
0
1,794
72,793
49,923
0
0
0
0
0
0
0
000000049,92372,7931,79400000
       Other Liabilities 
0
0
0
0
0
0
0
0
26,827
140,037
68,142
10,358
23,107
12,431
42,099
42,09912,43123,10710,35868,142140,03726,82700000000
> Total Stockholder Equity
167,136
202,487
209,347
182,882
376,572
418,561
464,395
501,276
502,746
636,854
668,321
537,849
567,624
622,964
621,594
621,594622,964567,624537,849668,321636,854502,746501,276464,395418,561376,572182,882209,347202,487167,136
   Common Stock
0
0
158,509
182,719
230,750
250,079
219,035
225,035
225,035
225,035
262,494
225,035
225,035
225,035
225,035
225,035225,035225,035225,035262,494225,035225,035225,035219,035250,079230,750182,719158,50900
   Retained Earnings 
0
0
50,838
163
34,200
55,155
121,228
148,065
142,463
175,493
163,616
226,499
245,102
326,980
376,935
376,935326,980245,102226,499163,616175,493142,463148,065121,22855,15534,20016350,83800
   Capital Surplus 
0
0
0
0
0
28,819
35,233
41,233
41,233
41,233
41,233
0
0
0
0
000041,23341,23341,23341,23335,23328,81900000
   Treasury Stock000000000000000
   Other Stockholders Equity 
0
0
29,457
45,168
179,298
206,272
124,132
128,176
135,248
416,713
385,394
249,795
97,487
70,949
19,624
19,62470,94997,487249,795385,394416,713135,248128,176124,132206,272179,29845,16829,45700



Balance Sheet

Currency in RUB. All numbers in thousands.




Cash Flow

Currency in RUB. All numbers in thousands.




Income Statement

Currency in RUB. All numbers in thousands.


Latest Income Statement (annual, 2021-12-31)

Gross Profit (+$)
totalRevenue614,896
Cost of Revenue-0
Gross Profit614,896614,896
 
Operating Income (+$)
Gross Profit614,896
Operating Expense-467,786
Operating Income110,985147,110
 
Operating Expense (+$)
Research Development0
Selling General Administrative105,836
Selling And Marketing Expenses0
Operating Expense467,786105,836
 
Net Interest Income (+$)
Interest Income533,013
Interest Expense-191,092
Other Finance Cost-0
Net Interest Income341,921
 
Pretax Income (+$)
Operating Income110,985
Net Interest Income341,921
Other Non-Operating Income Expenses0
Income Before Tax (EBT)110,985302,077
EBIT - interestExpense = -80,107
110,985
267,536
Interest Expense191,092
Earnings Before Interest and Taxes (EBIT)110,985302,077
Earnings Before Interest and Taxes (EBITDA)178,173
 
After tax Income (+$)
Income Before Tax110,985
Tax Provision-34,541
Net Income From Continuing Ops76,44476,444
Net Income76,444
Net Income Applicable To Common Shares76,444
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses467,786
Total Other Income/Expenses Net-191,092-341,921
 

Technical Analysis of Bank Kuznetskiy OAO
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Bank Kuznetskiy OAO. The general trend of Bank Kuznetskiy OAO is BEARISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Bank Kuznetskiy OAO's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-57.1%) Bearish trend (57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Bank Kuznetskiy OAO.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 0.05 < 0.0595 < 0.0639.

The bearish price targets are: 0.044 > 0.043 > 0.043.

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Bank Kuznetskiy OAO Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Bank Kuznetskiy OAO. The current mas is .

The long score for the Moving Averages is 3/14.
The longshort score for the Moving Averages is -8/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Bank Kuznetskiy OAO Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Bank Kuznetskiy OAO. The current macd is -0.0035184.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bank Kuznetskiy OAO price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Bank Kuznetskiy OAO. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Bank Kuznetskiy OAO price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Bank Kuznetskiy OAO Daily Moving Average Convergence/Divergence (MACD) ChartBank Kuznetskiy OAO Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Bank Kuznetskiy OAO. The current adx is 45.75.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -4/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Bank Kuznetskiy OAO shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bearish trend. The ADX is trending up, so the bearish trend is strengthening.
Bank Kuznetskiy OAO Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Bank Kuznetskiy OAO. The current sar is 0.05159206.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Bank Kuznetskiy OAO Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Bank Kuznetskiy OAO. The current rsi is 27.31. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
  • Trending down: The RSI is trending down. -1
Bank Kuznetskiy OAO Daily Relative Strength Index (RSI) ChartBank Kuznetskiy OAO Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Bank Kuznetskiy OAO. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bank Kuznetskiy OAO price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Bank Kuznetskiy OAO Daily Stochastic Oscillator ChartBank Kuznetskiy OAO Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Bank Kuznetskiy OAO. The current cci is -118.208441.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

  • CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1
Bank Kuznetskiy OAO Daily Commodity Channel Index (CCI) ChartBank Kuznetskiy OAO Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Bank Kuznetskiy OAO. The current cmo is -52.40785812.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Bank Kuznetskiy OAO Daily Chande Momentum Oscillator (CMO) Chart