ScoreWhy is Nanto Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.11%
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.08% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 33.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.08% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
3
Positive results in Dec 25
- ROCE(HY) Highest at 0.24%
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at JPY 16,027 MM
4
With ROA of 0.19%, it has a very attractive valuation with a 0.49 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 68.56%, its profits have risen by 12% ; the PEG ratio of the company is 0.8
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Nanto Bank 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 Nanto Bank Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Nanto Bank Ltd.
68.56%
2.84
38.31%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.70%
EBIT Growth (5y)
19.65%
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
39.63%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.49
EV to EBIT
3.52
EV to EBITDA
2.64
EV to Capital Employed
0.24
EV to Sales
0.68
PEG Ratio
0.82
Dividend Yield
0.01%
ROCE (Latest)
6.83%
ROE (Latest)
4.86%
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
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.24%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 16,027 MM
NET SALES(Q)
Highest at JPY 20,137 MM
OPERATING PROFIT(Q)
Highest at JPY 7,469 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.09 %
PRE-TAX PROFIT(Q)
Highest at JPY 7,687 MM
NET PROFIT(Q)
Highest at JPY 5,709 MM
EPS(Q)
Highest at JPY 181.74
-7What is not working for the Company
INTEREST(9M)
At JPY 12,100 MM has Grown at 55.83%
ROCE(HY)
Lowest at 0.24%
CASH AND EQV(HY)
Lowest at JPY 1,288,922 MM
Here's what is working for Nanto Bank Ltd.
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
NII
Highest at JPY 16,027 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 20,137 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 7,469 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 37.09 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 7,687 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 5,709 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 181.74
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Nanto Bank Ltd.
Interest
At JPY 12,100 MM has Grown at 55.83%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,288,922 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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