ScoreWhy is Bank of Ningbo Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.62% 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% and Net profit at 15.50%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.62% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.61% signifying low profitability per unit of total assets
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at CNY 73,131 MM
- NII(Q) Highest at CNY 14,688 MM
- NET SALES(Q) Highest at CNY 26,988 MM
3
With ROA of 0.71%, it has a attractive valuation with a 0.77 Price to Book Value
- Over the past year, while the stock has generated a return of 16.11%, its profits have risen by 8% ; the PEG ratio of the company is 0.8
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Ningbo 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 Ningbo Co., Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Ningbo Co., Ltd.
16.11%
1.36
23.36%
China Shanghai Composite
21.43%
1.55
13.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.10%
EBIT Growth (5y)
13.69%
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
27.99%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.77
EV to EBIT
43.67
EV to EBITDA
39.80
EV to Capital Employed
0.96
EV to Sales
11.97
PEG Ratio
0.77
Dividend Yield
3.87%
ROCE (Latest)
2.20%
ROE (Latest)
12.36%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 73,131 MM
NII(Q)
Highest at CNY 14,688 MM
NET SALES(Q)
Highest at CNY 26,988 MM
PRE-TAX PROFIT(Q)
Highest at CNY 8,899 MM
NET PROFIT(Q)
Highest at CNY 8,181 MM
EPS(Q)
Highest at CNY 1.24
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of Ningbo Co., Ltd.
NII
Highest at CNY 14,688 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Operating Cash Flow
Highest at CNY 73,131 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Net Sales
Highest at CNY 26,988 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CNY MM)
Pre-Tax Profit
Highest at CNY 8,899 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 8,181 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 1.24
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Here's what is not working for Bank of Ningbo Co., Ltd.
Capital Adequacy Ratio
Lowest at 10.26%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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