Stock TBL TRUST BANK LIMITED
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Financials Trust Bank Limited

Equities

TBL

GH0000000532

Banks

End-of-day quote Ghana S.E.
Other stock markets
 06:00:00 2023-11-09 pm EST 		5-day change 1st Jan Change
0.82 GHS -.--% Intraday chart for Trust Bank Limited -.--% -.--%
2023 Trust Bank Limited Reports Earnings Results for the Full Year Ended December 31, 2022 CI
2022 Trust Bank Limited Reports Earnings Results for the Half Year Ended June 30, 2022 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 743 467.8 748.4 605.9 586.1 160
Enterprise Value (EV) 1 -3,493 -3,767 -4,016 -5,291 -5,938 -2,654
P/E ratio 8.7 x 4.98 x 7.48 x 5.51 x 3.83 x 0.65 x
Yield 8.08% - 10.7% 13.2% 18.8% 93.8%
Capitalization / Revenue 1.27 x 0.82 x 1.24 x 0.99 x 0.86 x 0.17 x
EV / Revenue -5.96 x -6.59 x -6.63 x -8.61 x -8.76 x -2.9 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.02 x 0.65 x 0.94 x 0.74 x 0.54 x 0.13 x
Nbr of stocks (in thousands) 200,000 200,000 200,000 200,000 200,000 200,000
Reference price 2 3.715 2.339 3.742 3.030 2.930 0.8000
Announcement Date 3/16/18 5/13/20 5/13/20 2/16/21 4/5/22 5/10/23
1GMD in Million2GMD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 586 571.3 605.7 614.3 678.1 914.6
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 128 136.3 135.3 156.2 179.4 346.4
Net income 1 85.43 94.3 100.3 111.2 153.2 248.2
Net margin 14.58% 16.51% 16.56% 18.11% 22.59% 27.14%
EPS 2 0.4271 0.4700 0.5000 0.5500 0.7658 1.240
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.3000 - 0.4000 0.4000 0.5500 0.7500
Announcement Date 3/16/18 5/13/20 5/13/20 2/16/21 4/5/22 5/10/23
1GMD in Million2GMD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 4,236 4,235 4,764 5,896 6,524 2,814
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.5% 12.8% 13.1% 13.4% 15% 21.7%
ROA (Net income/ Total Assets) 1.49% 1.46% 1.42% 1.35% 1.51% 2.41%
Assets 1 5,737 6,459 7,042 8,262 10,145 10,314
Book Value Per Share 2 3.650 3.610 3.990 4.080 5.460 5.960
Cash Flow per Share 2 8.770 7.930 10.10 14.70 17.80 14.10
Capex 1 67.9 72.6 25.7 56.5 36.4 84.4
Capex / Sales 11.58% 12.71% 4.25% 9.19% 5.36% 9.22%
Announcement Date 3/16/18 5/13/20 5/13/20 2/16/21 4/5/22 5/10/23
1GMD in Million2GMD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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