ScoreWhy is Amana Bank Plc ?
1
Strong Long Term Fundamental Strength with a 30.90% CAGR growth in Net Profits
2
Positive results in Jun 25
- CREDIT DEPOSIT RATIO(HY) Highest at 105.93%
- NET SALES(Q) Highest at LKR 4,002.69 MM
- OPERATING PROFIT(Q) Highest at LKR 792.01 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 26.38%, 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Amana Bank Plc
26.38%
42.11
27.01%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
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
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 105.93%
NET SALES(Q)
Highest at LKR 4,002.69 MM
OPERATING PROFIT(Q)
Highest at LKR 792.01 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Amana Bank Plc
Net Sales
Highest at LKR 4,002.69 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 792.01 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Credit Deposit Ratio
Highest at 105.93%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at LKR 90.03 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
Here's what is not working for Amana Bank Plc
Capital Adequacy Ratio
Lowest at 13.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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