Bank of Jiujiang Co., Ltd. (6190) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Dah Sing Financial Holdings Ltd.

Dah Sing Banking Group Ltd.

Bank of Jiujiang Co., Ltd.

Bank of Qingdao Co., Ltd.

China Merchants Bank Co., Ltd.

Bank of Guizhou Co. Ltd.

Dongguan Rural Commercial Bank Co., Ltd.

Chongqing Rural Commercial Bank Co., Ltd.

Bank of Communications Co., Ltd.

Guangzhou Rural Commercial Bank Co. Ltd.

China Minsheng Banking Corp., Ltd.

Why is Bank of Jiujiang Co., Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

Poor long term growth as Net profit has grown by an annual rate of -30.83%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.23% signifying low profitability per unit of total assets

Negative results in Dec 24

OPERATING CASH FLOW(Y) Lowest at HKD 12,859.92 MM
CASH AND EQV(HY) Lowest at HKD 28,276.19 MM
DIVIDEND PER SHARE(HY) Lowest at HKD 0

With ROA of 0.40%, it has a Fair valuation with a 0.04 Price to Book Value

Over the past year, while the stock has generated a return of -66.80%, its profits have fallen by -31.7%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -66.80% 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 Report

Verdict Report

How 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?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Bank of Jiujiang Co., Ltd.

-66.8%

-2.67

27.44%

Hang Seng Hong Kong

27.36%

1.03

25.88%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

0.66%

EBIT Growth (5y)

-22.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.15%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.04

EV to EBIT

65.66

EV to EBITDA

41.27

EV to Capital Employed

0.66

EV to Sales

3.30

PEG Ratio

Dividend Yield

8.94%

ROCE (Latest)

1.01%

ROE (Latest)

8.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

Bullish

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

Not enough Data to analyse Financial Trend

Here's what is working for Bank of Jiujiang Co., Ltd.

Net Profit

At HKD 948.23 MM has Grown at 15,748.45%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (HKD MM)

Pre-Tax Profit

At HKD 1,062.63 MM has Grown at 164.74%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (HKD MM)

NII

Highest at HKD 5,055.41 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (HKD MM)

Operating Profit

Highest at HKD 1,263.47 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (HKD MM)

Operating Profit Margin

Highest at 12.3 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Credit Deposit Ratio

Highest at 92.97%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

Highest at HKD 317.18 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (HKD MM)

CASA

Highest at 11.97%

in the last five periods

MOJO 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 12,859.92 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (HKD MM)

Net Sales

Lowest at HKD 10,268.11 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (HKD MM)

Cash and Eqv

Lowest at HKD 28,276.19 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend per share

Lowest at HKD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (HKD)