Compare Concordia Financial Group, Ltd. with Similar Stocks
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1
Poor Management Efficiency with a low ROA of 0.14%
- The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.66% signifying inadequate buffers against its risk based assets
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 33.30%
4
Positive results in Mar 26
5
With ROA of 0.25%, it has a fair valuation with a 1.41 Price to Book Value
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
21.19%
0%
21.19%
6 Months
18.65%
0%
18.65%
1 Year
73.49%
0%
73.49%
2 Years
143.74%
0%
143.74%
3 Years
191.9%
0%
191.9%
4 Years
327.67%
0%
327.67%
5 Years
339.95%
0%
339.95%
Concordia Financial Group, Ltd. for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
16.60%
EBIT Growth (5y)
36.05%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.41%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.41
EV to EBIT
3.26
EV to EBITDA
2.95
EV to Capital Employed
-4.02
EV to Sales
1.31
PEG Ratio
0.60
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
7.59%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Bullish
No Trend
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Quarterly Results Snapshot (Standalone) - Jun'06 - QoQ
Jun'06
Jun'05
Change(%)
Interest Earned
42,284.00
41,603.00
1.64%
Operating Profit (PBDIT)
23,642.00
19,675.00
20.16%
% of Net NPAs
0.00%
0.00%
% of Gross NPAs
0.00%
0.00%
Exceptional Items
794.00
1,072.00
-25.93%
Net Profit
15,028.00
12,675.00
18.56%
USD in Million.
Interest Earned
Not Applicable: The company has declared_date for only one period
Net Profit
Not Applicable: The company has declared_date for only one period
Annual Results Snapshot (Standalone) - Mar'06
Mar'06
Mar'05
Change(%)
Interest Earned
173,128.00
174,119.00
-0.57%
Operating Profit (PBDIT)
119,907.00
130,249.00
-7.94%
% of Net NPAs
26.50%
33.40%
-0.69%
% of Gross NPAs
26.50%
33.40%
-0.69%
Exceptional Items
3,238.00
1,828.00
77.13%
Net Profit
60,255.00
57,537.00
4.72%
USD in Million.
Interest Earned
YoY Growth in year ended Mar 2006 is -0.57% vs -0.94% in Mar 2005
Net Profit
YoY Growth in year ended Mar 2006 is 4.72% vs 21.36% in Mar 2005
About Concordia Financial Group, Ltd. 
Concordia Financial Group, Ltd.
Regional Banks
No Details Available.
Company Coordinates 
No Company Details Available






