ScoreWhy is Bank Ochrony Srodowiska SA ?
1
Poor Management Efficiency with a low ROA of 0.49%
- The bank has been able to generate a Return on Assets (avg) of 0.49% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.22% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.22% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.49% signifying low profitability per unit of total assets
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- OPERATING CASH FLOW(Y) Lowest at PLN 23.5 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 53.28%
- NET SALES(Q) Lowest at PLN 324.19 MM
4
With ROA of 0.35%, it has a very attractive valuation with a 0.38 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 -17.49%, its profits have risen by 56% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Ochrony Srodowiska SA 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 Bank Ochrony Srodowiska SA for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Ochrony Srodowiska SA
-100.0%
-0.87
25.44%
Poland WIG
37.09%
2.22
16.73%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.00%
EBIT Growth (5y)
69.68%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.38
EV to EBIT
-5.68
EV to EBITDA
-4.75
EV to Capital Employed
6.89
EV to Sales
-1.16
PEG Ratio
0.13
Dividend Yield
NA
ROCE (Latest)
-121.36%
ROE (Latest)
5.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-24What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 23.5 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 53.28%
NET SALES(Q)
Lowest at PLN 324.19 MM
NII(Q)
Lowest at PLN 173.37 MM
OPERATING PROFIT(Q)
Lowest at PLN -2.05 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -0.63 %
PRE-TAX PROFIT(Q)
Lowest at PLN 38.52 MM
NET PROFIT(Q)
Lowest at PLN -9.04 MM
EPS(Q)
Lowest at PLN -0.01
Here's what is not working for Bank Ochrony Srodowiska SA
Net Profit
At PLN -9.04 MM has Fallen at -114.5%
over average net sales of the previous four periods of PLN 62.3 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (PLN MM)
Operating Cash Flow
Lowest at PLN 23.5 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
Net Sales
Lowest at PLN 324.19 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
NII
Lowest at PLN 173.37 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Credit Deposit Ratio
Lowest at 53.28% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Net Sales
At PLN 324.19 MM has Fallen at -10.56%
over average net sales of the previous four periods of PLN 362.49 MMMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN -2.05 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at -0.63 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PLN 38.52 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Pre-Tax Profit
At PLN 38.52 MM has Fallen at -55.07%
over average net sales of the previous four periods of PLN 85.74 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Net Profit
Lowest at PLN -9.04 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
EPS
Lowest at PLN -0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
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