ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Luzhou Bank Co., Ltd. ?
1
High Profitability with a Net Interest Margin of 9.42%
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- 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 0.51% signifying low profitability per unit of total assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.38%
4
Positive results in Dec 25
- NII(Q) Highest at HKD 2,382.84 MM
- ROCE(HY) Highest at 0.76%
- NET SALES(Q) Highest at HKD 4,483.3 MM
5
With ROA of 0.84%, it has a Fair valuation with a 0.46 Price to Book Value
- Over the past year, while the stock has generated a return of -10.95%, its profits have fallen by -5%
6
Underperformed the market in the last 1 year
- Even though the market (Hang Seng Hong Kong) has generated returns of 8.76% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -10.95% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Luzhou Bank 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 Luzhou Bank Co., Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Luzhou Bank Co., Ltd.
-100.0%
0.73
37.16%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.21%
EBIT Growth (5y)
25.29%
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
22.79%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
2
Industry P/E
Price to Book Value
0.46
EV to EBIT
11.21
EV to EBITDA
10.04
EV to Capital Employed
0.76
EV to Sales
2.43
PEG Ratio
NA
Dividend Yield
6.36%
ROCE (Latest)
6.78%
ROE (Latest)
22.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at HKD 2,382.84 MM
ROCE(HY)
Highest at 0.76%
NET SALES(Q)
Highest at HKD 4,483.3 MM
CASH AND EQV(HY)
Highest at HKD 15,226.8 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.37%
-3What is not working for the Company
ROCE(HY)
Lowest at 0.76%
Here's what is working for Luzhou Bank Co., Ltd.
NII
Highest at HKD 2,382.84 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at HKD 4,483.3 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (HKD MM)
Cash and Eqv
Highest at HKD 15,226.8 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 81.37%
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 (%)
Depreciation
Highest at HKD 112.6 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (HKD MM)
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