ScoreComparison
Why is First Bank of Toyama Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.75% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 43.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.75% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.32% signifying low profitability per unit of total assets
2
The company declared negative results in Mar'25 after positive results in Dec'24
- INTEREST(9M) At JPY 2,585 MM has Grown at 261.54%
3
With ROA of 0.84%, it has a very attractive valuation with a 0.42 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 125.97%, its profits have risen by 153% ; the PEG ratio of the company is 0
4
Consistent Returns over the last 3 years
- Along with generating 125.97% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Bank of Toyama 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 First Bank of Toyama Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First Bank of Toyama Ltd.
125.97%
2.36
46.45%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.10%
EBIT Growth (5y)
128.06%
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
16.27%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.42
EV to EBIT
0.05
EV to EBITDA
0.05
EV to Capital Employed
0.00
EV to Sales
0.02
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
8.46%
ROE (Latest)
8.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at JPY 6,906 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 72.53%
NET SALES(Q)
Highest at JPY 7,856 MM
-4What is not working for the Company
INTEREST(9M)
At JPY 2,585 MM has Grown at 261.54%
Here's what is working for First Bank of Toyama Ltd.
Net Sales
At JPY 7,856 MM has Grown at 26.46%
over average net sales of the previous four periods of JPY 6,212.25 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 6,906 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 7,856 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 72.53%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 13.05%
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 First Bank of Toyama Ltd.
Interest
At JPY 2,585 MM has Grown at 261.54%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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