ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Tianjin Co. Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.36%
- 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 Jun 25
- OPERATING CASH FLOW(Y) Lowest at HKD 3,797.33 MM
- CASH AND EQV(HY) Lowest at HKD 42,245.81 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 84.37%
Real-Time Research ReportHow much should you sell?
- 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 of Tianjin Co. Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Tianjin Co. Ltd.
-100.0%
1.29
28.59%
Hang Seng Hong Kong
8.25%
0.41
19.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.82%
EBIT Growth (5y)
-0.40%
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
21.68%
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
0.06
EV to EBIT
47.32
EV to EBITDA
41.05
EV to Capital Employed
0.77
EV to Sales
6.88
PEG Ratio
0.03
Dividend Yield
19.34%
ROCE (Latest)
1.63%
ROE (Latest)
13.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
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
NII(Q)
Highest at HKD 7,732.85 MM
NET SALES(Q)
Highest at HKD 17,635.8 MM
OPERATING PROFIT(Q)
Highest at HKD 3,323.67 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.85 %
PRE-TAX PROFIT(Q)
Highest at HKD 4,042.8 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 3,797.33 MM
CASH AND EQV(HY)
Lowest at HKD 42,245.81 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 84.37%
Here's what is working for Bank of Tianjin Co. Ltd.
NII
Highest at HKD 7,732.85 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Sales
Highest at HKD 17,635.8 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
Operating Profit
Highest at HKD 3,323.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (HKD MM)
Operating Profit Margin
Highest at 18.85 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at HKD 4,042.8 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Here's what is not working for Bank of Tianjin Co. Ltd.
Operating Cash Flow
Lowest at HKD 3,797.33 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)
Cash and Eqv
Lowest at HKD 42,245.81 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 84.37%
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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