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 26
- OPERATING CASH FLOW(Y) Lowest at HKD 9,889.33 MM
- GROSS NPA (%)(Q) Highest at 1.59%
3
Below par performance in long term as well as near term
- Along with generating -16.33% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
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.
-16.4%
0.94
22.73%
Hang Seng Hong Kong
-4.77%
-0.26
18.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.51%
EBIT Growth (5y)
-1.48%
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
22.61%
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
0.04
EV to EBIT
46.46
EV to EBITDA
41.44
EV to Capital Employed
0.78
EV to Sales
7.69
PEG Ratio
0.02
Dividend Yield
24.82%
ROCE (Latest)
1.69%
ROE (Latest)
14.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NII(Q)
Highest at HKD 8,587.58 MM
NET SALES(Q)
Highest at HKD 17,647.29 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 9,889.33 MM
GROSS NPA (%)
(Q
Here's what is working for Bank of Tianjin Co. Ltd.
NII
Highest at HKD 8,587.58 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Sales
Highest at HKD 17,647.29 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
Depreciation
At HKD 368.12 MM has Grown at 6.99%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
Here's what is not working for Bank of Tianjin Co. Ltd.
Operating Cash Flow
Lowest at HKD 9,889.33 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)
Non Performing Loans (%)
Highest at 1.59%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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