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Auswide Bank Ltd

Financial Services AU ABA

4.81AUD
0.18(3.89%)

Last update at 2025-01-15T05:10:00Z

Day Range

4.704.81
LowHigh

52 Week Range

3.484.97
LowHigh

Fundamentals

  • Previous Close 4.63
  • Market Cap248.64M
  • Volume63738
  • P/E Ratio20.00
  • Dividend Yield4.52%
  • EBITDA-
  • Revenue TTM82.31M
  • Revenue Per Share TTM1.78
  • Gross Profit TTM 101.25M
  • Diluted EPS TTM0.24

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 35.92M 37.48M 34.70M 26.50M 24.64M
Minority interest - - - - -
Net income 25.07M 26.13M 24.16M 18.50M 18.50M
Selling general administrative 42.67M 37.78M 33.99M 31.99M 31.23M
Selling and marketing expenses - - - - -
Gross profit 82.05M 77.52M 74.70M 68.20M 62.26M
Reconciled depreciation 4.01M 3.50M 3.83M 4.03M 2.60M
Ebit 31.90M 33.99M 30.87M 22.46M 97.81M
Ebitda 35.92M 37.48M 34.70M 26.50M 100.41M
Depreciation and amortization 4.01M 3.50M 3.83M 4.03M 2.60M
Non operating income net other - - - - -
Operating income 31.90M 33.99M 30.87M 22.46M 97.81M
Other operating expenses 65.33M 57.66M 53.23M 50.13M 31.74M
Interest expense 100.38M 23.92M 32.84M 55.74M 73.17M
Tax provision 10.85M 11.35M 10.55M 7.99M 7.44M
Interest income 189.56M 105.97M 111.00M 126.25M 136.35M
Net interest income 89.18M 82.04M 78.16M 70.52M 63.19M
Extraordinary items - - - - 0.00000M
Non recurring - - - - -
Other items - - - - -
Income tax expense 10.85M 11.35M 10.55M 7.99M 7.44M
Total revenue 82.05M 77.52M 74.70M 68.20M 62.26M
Total operating expenses 65.33M 57.66M 53.23M 50.13M 31.74M
Cost of revenue - - - - -
Total other income expense net 35.92M 37.48M 34.70M 26.50M -73.16700M
Discontinued operations - - - - -
Net income from continuing ops 25.07M 26.13M 24.16M 18.50M 17.20M
Net income applicable to common shares 25.07M 26.13M 24.16M 18.50M 17.20M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 5259.73M 5059.54M 4504.56M 4155.78M 3789.47M
Intangible assets - 2.98M 2.84M 1.48M 1.20M
Earning assets - - - 467.17M 423.84M
Other current assets 255.74M 31.86M 21.29M 3502.39M 3132.36M
Total liab 4969.95M 4765.66M 4222.50M 3899.25M 3547.43M
Total stockholder equity 289.79M 293.88M 282.06M 256.54M 242.04M
Deferred long term liab - - - - -
Other current liab 2095.18M -869.19000M -724.57900M -652.48600M -604.40500M
Common stock 215.59M 211.82M 199.78M 195.22M 193.26M
Capital stock - 211.82M 199.78M 195.22M 193.26M
Retained earnings 56.27M 59.79M 53.84M 45.82M 34.35M
Other liab - 9.91M 40.98M 1.71M 5.28M
Good will 46.36M 46.36M 46.36M 46.36M 46.36M
Other assets - 4788.04M 4256.18M 3974.00M 3614.03M
Cash -81.71300M 551.77M 542.27M 466.44M 415.94M
Cash and equivalents - - - - -
Total current liabilities 2099.74M 869.19M 724.58M 652.49M 604.40M
Current deferred revenue - - - - -
Net debt 701.60M 356.99M 221.30M 225.08M 213.58M
Short term debt 1.53M 866.77M 721.57M 649.52M 601.52M
Short long term debt - 866.77M 721.57M 649.52M 601.52M
Short long term debt total 619.89M 908.77M 763.57M 691.52M 629.52M
Other stockholder equity 0.00947M -282.50500M -264.52500M -251.93900M -238.50500M
Property plant equipment - 18.91M 20.65M 21.32M 21.39M
Total current assets 255.74M 203.25M 178.54M 112.63M 106.48M
Long term investments - 50.48M 45.12M 59.13M 86.33M
Net tangible assets - 244.54M 232.86M 208.69M 194.48M
Short term investments - 49.91M 44.62M 58.66M 85.87M
Net receivables - - 11.77M - 3.34M
Long term debt - 42.00M 42.00M 42.00M 498.52M
Inventory - - - - -
Accounts payable 3.03M 2.42M 3.01M 2.97M 2.88M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 17.91M 22.27M 28.43M 15.50M 14.43M
Additional paid in capital - - - - -
Common stock total equity - - - - 193.26M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 6.24M -68.25200M -69.85000M -69.16100M -68.95500M
Deferred long term asset charges - - - - -
Non current assets total 5003.99M 68.25M 69.85M 69.16M 68.95M
Capital lease obligations - - - - -
Long term debt total - 675.74M 567.02M 530.16M 503.62M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments 7.58M 3.09M -20.70900M -61.26400M -61.66000M
Change to liabilities -2.25800M 2.22M 1.49M -0.90300M 0.36M
Total cashflows from investing activities 7.58M 1.36M -19.10200M -183.95900M -237.40400M
Net borrowings 157.82M 34.82M -75.18900M -73.17400M -117.88300M
Total cash from financing activities 150.54M 21.48M -85.91100M 178.88M 219.79M
Change to operating activities -529.75800M -259.52200M -355.41000M -17.45100M 16.98M
Net income 25.07M 26.13M 24.16M 18.50M 17.20M
Change in cash 24.71M 65.91M 6.15M 2.09M 18.03M
Begin period cash flow 178.54M 112.63M 106.48M 104.39M 86.36M
End period cash flow 203.25M 178.54M 112.63M 106.48M 104.39M
Total cash from operating activities -509.18500M -224.98300M -320.63200M -117.38200M 35.65M
Issuance of capital stock 0.30M 0.55M 0.65M - 0.28M
Depreciation 3.19M 3.01M 3.17M 3.32M 2.60M
Other cashflows from investing activities 9.88M 4.11M 3.50M -181.11200M -236.18500M
Dividends paid 7.71M 14.39M 10.64M 13.55M 14.32M
Change to inventory - - - - -
Change to account receivables -5.04800M -0.65100M 0.14M 0.78M -
Sale purchase of stock 0.14M 0.50M -0.73200M -0.08700M 0.05M
Other cashflows from financing activities 159.60M 36.32M -73.65100M 192.44M 351.67M
Change to netincome -0.62400M -0.55000M 0.59M 3.97M 1.16M
Capital expenditures 2.31M 2.74M 1.90M 2.85M 1.22M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -5.04800M -0.65100M 0.14M 0.78M -19.78900M
Stock based compensation 0.45M 0.33M 0.20M 0.24M -
Other non cash items -537.44400M -254.12500M -347.95600M -139.20900M -19.80600M
Free cash flow -511.49000M -227.72600M -322.52900M -120.22900M 35.65M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
ABA
Auswide Bank Ltd		 0.18 3.89% 4.81 20.00 13.26 3.02 0.87 18.12 -
BEN
Bendigo And Adelaide Bank Ltd		 0.07 0.54% 13.12 15.38 13.66 4.06 1.08 8.83 -
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 0.25 0.24% 104.32 109.50 - - - - -
BOQ
Bank Of Queensland Ltd.		 0.03 0.45% 6.63 16.54 12.95 2.85 0.75 14.21 -
BOQPF
Bank of Queensland Ltd Preferred		 0.37 0.35% 104.95 169.53 - - - - -

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Profile

Auswide Bank Ltd provides various personal and business banking products and services in Australia. It accepts deposits, including call deposits, term deposits, certificates of deposit, and savings accounts, as well as business access, pension, cash management, mortgage offset, and self-managed superannuation fund accounts; and provides loans comprising home, personal, car, and home renovation loans, as well as credit cards and overdrafts. The company also offers home and contents, landlord, car, caravan and trailer, boat, and travel insurance products. In addition, it provides telegraphic money transfer, financial advice, internet 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.

Auswide Bank Ltd

16-20 Barolin Street, Bundaberg, QLD, Australia, 4670

Key Executives

Name Title Year Born
Mr. Martin John Barrett B.A., M.B.A., BA(ECON), MBA MD & Exec. Director 1965
Mr. William Ray Schafer B.Com., C.A. Company Sec. & CFO NA
Mr. Mark S. Rasmussen MBA Chief Operating Officer NA
Mr. Scott D. Johnson Chief Information Officer NA
Ms. Gayle M. Job Chief People & Property Officer NA
Mr. Craig A. Lonergan MBA, AMIIA, F Fin Chief Risk Officer NA
Mr. Damian R. Hearne BEd, MBA Chief Customer Officer NA
Rebecca Stephens Chief Transformation Officer NA
Ms. Joanne Norris Admin. Mang. NA
Mr. Dale A. Hancock Group Treasurer NA

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