ScoreWhy is Nations Trust Bank Plc ?
1
Strong Long Term Fundamental Strength with a 35.20% CAGR growth in Net Profits
- The bank has been able to generate a Return on Assets (avg) of 1.55% signifying high profitability per unit of total assets
2
Positive results in Sep 25
- NII(Q) Highest at LKR 9,788.46 MM
- ROCE(HY) Highest at 3.23%
- NET SALES(Q) Highest at LKR 18,088.55 MM
3
With ROA of 2.07%, it has a fair valuation with a 1.17 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 70.50%, its profits have risen by 46% ; the PEG ratio of the company is 0.1
4
Consistent Returns over the last 3 years
- Along with generating 70.50% returns in the last 1 year, the stock has outperformed Sri Lanka CSE All Share in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Nations Trust Bank Plc should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Nations Trust Bank Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Nations Trust Bank Plc
68.24%
6.55
25.85%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.10%
EBIT Growth (5y)
32.89%
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
6.31%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.17
EV to EBIT
8.89
EV to EBITDA
8.46
EV to Capital Employed
1.10
EV to Sales
2.66
PEG Ratio
0.14
Dividend Yield
NA
ROCE (Latest)
12.35%
ROE (Latest)
19.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at LKR 9,788.46 MM
ROCE(HY)
Highest at 3.23%
NET SALES(Q)
Highest at LKR 18,088.55 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 89.97%
OPERATING PROFIT(Q)
Highest at LKR 7,929.9 MM
OPERATING PROFIT MARGIN(Q)
Highest at 43.84 %
PRE-TAX PROFIT(Q)
Highest at LKR 8,239.84 MM
NET PROFIT(Q)
Highest at LKR 6,118 MM
EPS(Q)
Highest at LKR 18.5
-2What is not working for the Company
ROCE(HY)
Lowest at 3.23%
Here's what is working for Nations Trust Bank Plc
NII
Highest at LKR 9,788.46 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 LKR 18,088.55 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 7,929.9 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Operating Profit Margin
Highest at 43.84 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at LKR 8,239.84 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 6,118 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 18.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
Credit Deposit Ratio
Highest at 89.97%
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 LKR 279.94 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
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