ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Luzhou Bank Co., Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.51%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
Positive results in Jun 26
- NII(Q) Highest at HKD 2,780.48 MM
- ROCE(HY) Highest at 0.78%
- NET SALES(Q) Highest at HKD 4,773.7 MM
3
With ROA of 0.88%, it has a Fair valuation with a 0.14 Price to Book Value
- Over the past year, while the stock has generated a return of -11.11%, its profits have fallen by -10.2%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -11.11% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
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.
-10.68%
0.24
34.06%
Hang Seng Hong Kong
-4.77%
-0.26
18.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.87%
EBIT Growth (5y)
12.60%
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
26.21%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
1
Industry P/E
Price to Book Value
0.14
EV to EBIT
12.08
EV to EBITDA
10.80
EV to Capital Employed
0.67
EV to Sales
2.58
PEG Ratio
NA
Dividend Yield
19.63%
ROCE (Latest)
5.58%
ROE (Latest)
24.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at HKD 2,780.48 MM
ROCE(HY)
Highest at 0.78%
NET SALES(Q)
Highest at HKD 4,773.7 MM
CASH AND EQV(HY)
Highest at HKD 19,142.66 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 82.83%
OPERATING PROFIT(Q)
Highest at HKD 1,543.08 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.32 %
PRE-TAX PROFIT(Q)
Highest at HKD 1,742.17 MM
NET PROFIT(Q)
Highest at HKD 1,129.53 MM
EPS(Q)
Highest at HKD 0.4
-2What is not working for the Company
ROCE(HY)
Lowest at 0.78%
Here's what is working for Luzhou Bank Co., Ltd.
NII
Highest at HKD 2,780.48 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 4,773.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (HKD MM)
Operating Profit
Highest at HKD 1,543.08 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (HKD MM)
Operating Profit Margin
Highest at 32.32 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at HKD 1,742.17 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Pre-Tax Profit
At HKD 1,742.17 MM has Grown at 62.82%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Net Profit
Highest at HKD 1,129.53 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Net Profit
At HKD 1,129.53 MM has Grown at 66.73%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
EPS
Highest at HKD 0.4
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Cash and Eqv
Highest at HKD 19,142.66 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 82.83%
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 143.72 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (HKD MM)
Depreciation
At HKD 143.72 MM has Grown at 27.64%
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)
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