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Bank Ochrony Srodowiska SA

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: PLBOS0000019
  • WAR: BOS
PLN
10.22
0.18 (1.79%)

Oct 02

WAR

 View all stocks in this country
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
ING Bank Slaski SA
Bank Millennium SA
BANK POLSKA KASA OPIEKI SA
Alior Bank SA
Santander Bank Polska SA
BNP Paribas Bank Polska SA
Bank Handlowy w Warszawie SA
Getin Holding SA
Bank Ochrony Srodowiska SA
mPay SA

Why 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
  • 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
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.49%
  • 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
Below par performance in long term as well as near term
  • Along with generating -9.56% returns in the last 1 year, the stock has also underperformed Poland WIG in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Bank Ochrony Srodowiska SA for you?

Low Risk, Low Return

Absolute
Risk Adjusted
Volatility
Bank Ochrony Srodowiska SA
-100.0%
-0.93
25.28%
Poland WIG
43.29%
2.67
16.21%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

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%
stock-recommendationTechnicals

Technical 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
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What 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 MM
MOJO 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 years
MOJO 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 periods
MOJO Watch
Near term sales trend is very negative

Net Sales (PLN MM)

NII
Lowest at PLN 173.37 MM
in the last five periods
MOJO 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 periods
MOJO 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 MM
MOJO Watch
Near term sales trend is negative

Net Sales (PLN MM)

Operating Profit
Lowest at PLN -2.05 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (PLN MM)

Operating Profit Margin
Lowest at -0.63 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at PLN 38.52 MM
in the last five periods
MOJO 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 MM
MOJO 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 periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (PLN MM)

EPS
Lowest at PLN -0.01
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (PLN)

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