ScoreWhy is Amana Bank Plc ?
1
Strong Long Term Fundamental Strength with a 30.90% CAGR growth in Net Profits
2
Positive results in Sep 25
- ROCE(HY) Highest at 1.21%
- NET SALES(Q) Highest at LKR 4,437.12 MM
- NII(Q) Highest at LKR 2,255.36 MM
3
With ROA of 0.65%, it has a very attractive valuation with a 0.67 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 18.88%, its profits have risen by 28% ; the PEG ratio of the company is 0
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Amana Bank Plc should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Amana Bank Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Amana Bank Plc
-100.0%
42.45
26.70%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.80%
EBIT Growth (5y)
35.63%
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
37.27%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.67
EV to EBIT
-1.14
EV to EBITDA
-1.00
EV to Capital Employed
-0.56
EV to Sales
-0.18
PEG Ratio
0.01
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
7.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 1.21%
NET SALES(Q)
Highest at LKR 4,437.12 MM
NII(Q)
Highest at LKR 2,255.36 MM
OPERATING PROFIT(Q)
Highest at LKR 1,195.08 MM
OPERATING PROFIT MARGIN(Q)
Highest at 26.93 %
PRE-TAX PROFIT(Q)
Highest at LKR 1,208.3 MM
NET PROFIT(Q)
Highest at LKR 705.91 MM
EPS(Q)
Highest at LKR 1.28
-2What is not working for the Company
ROCE(HY)
Lowest at 1.21%
Here's what is working for Amana Bank Plc
Net Sales
Highest at LKR 4,437.12 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
NII
Highest at LKR 2,255.36 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (LKR MM)
Operating Profit
Highest at LKR 1,195.08 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Operating Profit Margin
Highest at 26.93 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at LKR 1,208.3 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Pre-Tax Profit
At LKR 1,208.3 MM has Grown at 62.55%
over average net sales of the previous four periods of LKR 743.35 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 705.91 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 1.28
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
Here's what is not working for Amana Bank Plc
Capital Adequacy Ratio
Lowest at 12.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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