ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Jiujiang Co., Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.23%
- Poor long term growth as Net profit has grown by an annual rate of -29.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at HKD 13,476.06 MM
- ROCE(HY) Lowest at 0.09%
3
With ROA of 0.28%, it has a Fair valuation with a 0.03 Price to Book Value
- Over the past year, while the stock has generated a return of -31.17%, its profits have fallen by -23.6%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -31.17% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Jiujiang Co., Ltd. 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 of Jiujiang Co., Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Jiujiang Co., Ltd.
-31.17%
-1.41
40.81%
Hang Seng Hong Kong
0.26%
0.01
20.12%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.99%
EBIT Growth (5y)
-17.92%
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
34.40%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
0
Industry P/E
Price to Book Value
0.03
EV to EBIT
58.51
EV to EBITDA
36.60
EV to Capital Employed
0.62
EV to Sales
3.25
PEG Ratio
NA
Dividend Yield
26.16%
ROCE (Latest)
1.06%
ROE (Latest)
5.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 0.09%
DIVIDEND PAYOUT RATIO(Y)
Highest at 361.34%
DIVIDEND PER SHARE(HY)
Highest at HKD 0
PRE-TAX PROFIT(Q)
Highest at HKD 1,412.27 MM
NET PROFIT(Q)
Highest at HKD 1,031.25 MM
EPS(Q)
Highest at HKD 0.18
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 13,476.06 MM
ROCE(HY)
Lowest at 0.09%
Here's what is working for Bank of Jiujiang Co., Ltd.
Pre-Tax Profit
Highest at HKD 1,412.27 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Net Profit
Highest at HKD 1,031.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
EPS
Highest at HKD 0.18
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Dividend per share
Highest at HKD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (HKD)
Dividend Payout Ratio
Highest at 361.34%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 13.46%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bank of Jiujiang Co., Ltd.
Operating Cash Flow
Lowest at HKD 13,476.06 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 (HKD MM)
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