ScoreWhy is Bank Ochrony Srodowiska SA ?
1
Flat results in Mar 26
- NII(Q) Lowest at PLN 189.55 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 48.57%
- NET SALES(Q) Lowest at PLN 341.57 MM
2
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 -4.61%, its profits have risen by 56% ; the PEG ratio of the company is 0.1
3
Below par performance in long term as well as near term
- Along with generating -4.61% returns in the last 1 year, the stock has also underperformed Poland WIG in the last 3 years, 1 year and 3 months
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
-6.66%
-1.02
26.71%
Poland WIG
29.57%
1.74
17.24%
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 Trend6What is working for the Company
NET PROFIT(9M)
Higher at PLN 160.28 MM
CASH AND EQV(HY)
Highest at PLN 9,464.91 MM
-6What is not working for the Company
NII(Q)
Lowest at PLN 189.55 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 48.57%
NET SALES(Q)
Lowest at PLN 341.57 MM
OPERATING PROFIT(Q)
Lowest at PLN 34.61 MM
NET PROFIT(Q)
At PLN 32.85 MM has Fallen at -47.06%
Here's what is working for Bank Ochrony Srodowiska SA
Cash and Eqv
Highest at PLN 9,464.91 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank Ochrony Srodowiska SA
NII
Lowest at PLN 189.55 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
Lowest at PLN 341.57 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 34.61 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Net Profit
At PLN 32.85 MM has Fallen at -47.06%
over average net sales of the previous four periods of PLN 62.05 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
Credit Deposit Ratio
Lowest at 48.57%
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 (%)
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