ScoreWhy is Shimizu Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.04%
- The bank has been able to generate a Return on Assets (avg) of 0.04% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.70% 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 -1.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.70% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.04% signifying low profitability per unit of total assets
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -1.60%
- NII(Q) Highest at JPY 4,861 MM
- NET SALES(Q) Highest at JPY 6,528 MM
- OPERATING PROFIT(Q) Highest at JPY 2,003 MM
4
With ROA of 0.07%, it has a fair valuation with a 0.37 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 61.59%, its profits have risen by 7% ; the PEG ratio of the company is 2
- 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 Shimizu 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 Shimizu Bank, Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Shimizu Bank, Ltd.
64.58%
1.72
36.01%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.70%
EBIT Growth (5y)
-0.69%
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
33.86%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.37
EV to EBIT
-56.10
EV to EBITDA
-32.53
EV to Capital Employed
1.71
EV to Sales
-5.89
PEG Ratio
1.95
Dividend Yield
NA
ROCE (Latest)
-3.05%
ROE (Latest)
2.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NII(Q)
Highest at JPY 4,861 MM
NET SALES(Q)
Highest at JPY 6,528 MM
OPERATING PROFIT(Q)
Highest at JPY 2,003 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.68 %
PRE-TAX PROFIT(Q)
Highest at JPY 2,252 MM
NET PROFIT(Q)
Highest at JPY 1,583 MM
EPS(Q)
Highest at JPY 138.94
-5What is not working for the Company
INTEREST(9M)
At JPY 4,039 MM has Grown at 106.28%
CREDIT DEPOSIT RATIO(HY)
Lowest at 75.76%
Here's what is working for Shimizu Bank, Ltd.
Net Sales
At JPY 6,528 MM has Grown at 27.25%
over average net sales of the previous four periods of JPY 5,130.25 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Pre-Tax Profit
At JPY 2,252 MM has Grown at 187.98%
over average net sales of the previous four periods of JPY 782 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 1,583 MM has Grown at 215.39%
over average net sales of the previous four periods of JPY 501.91 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
NII
Highest at JPY 4,861 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 6,528 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 2,003 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 30.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 2,252 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 1,583 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 138.94
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Shimizu Bank, Ltd.
Interest
At JPY 4,039 MM has Grown at 106.28%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Credit Deposit Ratio
Lowest at 75.76%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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