San-in Godo Bank Ltd. (8381) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Nishi-Nippon Financial Holdings, Inc.

Chugin Financial Group, Inc.

Rakuten Bank Ltd.

Hokuhoku Financial Group, Inc.

Gunma Bank, Ltd.

San-in Godo Bank Ltd.

Hirogin Holdings, Inc.

Iyogin Holdings, Inc.

Yamaguchi Financial Group, Inc.

The Hachijuni Bank, Ltd.

SBI Sumishin Net Bank, Ltd.

Why is San-in Godo Bank Ltd. ?

Poor Management Efficiency with a low ROA of 0.14%

The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.94% signifying inadequate buffers against its risk based assets

Poor long term growth as Net profit has grown by an annual rate of 18.60%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.94% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Poor long term growth as Net profit has grown by an annual rate of 18.60%

Positive results in Jun 26

ROCE(HY) Highest at 0.3%
NII(Q) Highest at JPY 26,867 MM
CASH AND EQV(HY) Highest at JPY 3,231,433 MM

With ROA of 0.17%, it has a very attractive valuation with a 1.06 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 93.43%, its profits have risen by 21% ; the PEG ratio of the company is 0.7
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to San-in Godo 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 San-in Godo Bank Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

San-in Godo Bank Ltd.

90.42%

2.42

31.54%

Japan Nikkei 225

59.79%

2.06

29.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.80%

EBIT Growth (5y)

14.31%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.00%

Pledged Shares

Institutional Holding

0.15%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.06

EV to EBIT

18.37

EV to EBITDA

16.11

EV to Capital Employed

1.06

EV to Sales

3.19

PEG Ratio

0.71

Dividend Yield

ROCE (Latest)

5.76%

ROE (Latest)

7.08%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

ROCE(HY)

Highest at 0.3%

NII(Q)

Highest at JPY 26,867 MM

CASH AND EQV(HY)

Highest at JPY 3,231,433 MM

NET SALES(Q)

Highest at JPY 40,398 MM

PRE-TAX PROFIT(Q)

At JPY 9,137 MM has Grown at 117.91%

NET PROFIT(Q)

At JPY 6,340.47 MM has Grown at 95.86%

-6What is not working for the Company

INTEREST(9M)

At JPY 34,713 MM has Grown at 85.94%

ROCE(HY)

Lowest at 0.3%

Here's what is working for San-in Godo Bank Ltd.

Net Sales

At JPY 40,398 MM has Grown at 55.25%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

NII

Highest at JPY 26,867 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 40,398 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

At JPY 9,137 MM has Grown at 117.91%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

At JPY 6,340.47 MM has Grown at 95.86%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Cash and Eqv

Highest at JPY 3,231,433 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for San-in Godo Bank Ltd.

Interest

At JPY 34,713 MM has Grown at 85.94%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)