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
Flat results in Jun 25
- INTEREST(9M) At JPY 10,358 MM has Grown at 62.58%
- CASH AND EQV(HY) Lowest at JPY 1,293,440 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 75.08%, 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.
75.08%
1.85
35.96%
Japan Nikkei 225
28.54%
1.11
25.75%
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
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NET SALES(Q)
Highest at JPY 18,992 MM
-5What is not working for the Company
INTEREST(9M)
At JPY 10,358 MM has Grown at 62.58%
CASH AND EQV(HY)
Lowest at JPY 1,293,440 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 (%)
Net Sales
Highest at JPY 18,992 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 18,992 MM has Grown at 13.58%
over average net sales of the previous four periods of JPY 16,721.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for Nanto Bank Ltd.
Interest
At JPY 10,358 MM has Grown at 62.58%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,293,440 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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