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 Dec 24
- OPERATING CASH FLOW(Y) Lowest at HKD -61,976.81 MM
- ROCE(HY) Lowest at 0.72%
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 4.55%, its profits have risen by 31% ; the PEG ratio of the company is 0
6
Underperformed the market in the last 1 year
- The stock has generated a return of 4.55% in the last 1 year, much lower than market (Hang Seng Hong Kong) returns of 26.67%
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, Low Return
Absolute
Risk Adjusted
Volatility
Luzhou Bank Co., Ltd.
4.55%
0.11
72.49%
Hang Seng Hong Kong
27.36%
1.03
25.88%
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
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Luzhou Bank Co., Ltd.
Pre-Tax Profit
At HKD 969.69 MM has Grown at 117.63%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (HKD MM)
Non Performing Loans (%)
Lowest at 1.18%
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 1,910.34 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Profit
At HKD 605.41 MM has Grown at 66.46%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Dividend per share
Highest at HKD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (HKD)
Depreciation
At HKD 101.9 MM has Grown at 10.78%
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)
CASA
Highest at 10.15%
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 Luzhou Bank Co., Ltd.
Operating Cash Flow
Lowest at HKD -61,976.81 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)
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