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
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at HKD -57,561.94 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 77.96%
5
With ROA of 1.04%, it has a Fair valuation with a 0.17 Price to Book Value
- Over the past year, while the stock has generated a return of -9.96%, its profits have risen by 31% ; the PEG ratio of the company is 0
6
Underperformed the market in the last 1 year
- Even though the market (Hang Seng Hong Kong) has generated returns of 8.25% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -9.96% 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?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Luzhou Bank Co., Ltd.
-9.96%
0.12
71.31%
Hang Seng Hong Kong
8.25%
0.41
19.93%
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
27.92%
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
0.17
EV to EBIT
7.59
EV to EBITDA
6.97
EV to Capital Employed
0.65
EV to Sales
2.01
PEG Ratio
0.02
Dividend Yield
17.91%
ROCE (Latest)
8.53%
ROE (Latest)
26.01%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at HKD 2,037.69 MM
NET SALES(Q)
Highest at HKD 4,158.69 MM
EPS(Q)
Highest at HKD 0.32
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD -57,561.94 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.96%
Here's what is working for Luzhou Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.17%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at HKD 2,037.69 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Sales
Highest at HKD 4,158.69 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
EPS
Highest at HKD 0.32
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Depreciation
Highest at HKD 106.69 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (HKD MM)
Here's what is not working for Luzhou Bank Co., Ltd.
Operating Cash Flow
Lowest at HKD -57,561.94 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)
Credit Deposit Ratio
Lowest at 77.96%
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 (%)
Non Operating Income
Highest at HKD 0.02 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
