ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Shizuoka Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.24%
- The bank has been able to generate a Return on Assets (avg) of 0.24% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.10% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 15.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.10% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.24% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 15.70%
4
Positive results in Jun 26
- ROCE(HY) Highest at 0.63%
- NET SALES(Q) Highest at JPY 70,468 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
5
With ROA of 0.35%, it has a very attractive valuation with a 1.45 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 78.47%, its profits have risen by 21% ; the PEG ratio of the company is 0.9
- 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 Shizuoka Financial Group, Inc. 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 Shizuoka Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Shizuoka Financial Group, Inc.
78.47%
1422.50
33.30%
Japan Nikkei 225
43.52%
1.48
29.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.90%
EBIT Growth (5y)
18.84%
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
47.72%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.45
EV to EBIT
23.20
EV to EBITDA
20.87
EV to Capital Employed
1.26
EV to Sales
10.46
PEG Ratio
0.93
Dividend Yield
NA
ROCE (Latest)
5.42%
ROE (Latest)
7.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 0.63%
NET SALES(Q)
Highest at JPY 70,468 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
PRE-TAX PROFIT(Q)
Highest at JPY 46,906 MM
NET PROFIT(Q)
Highest at JPY 32,741 MM
EPS(Q)
Highest at JPY 61.69
-5What is not working for the Company
INTEREST(9M)
At JPY 67,349 MM has Grown at 8.93%
ROCE(HY)
Lowest at 0.63%
CASH AND EQV(HY)
Lowest at JPY 1,846,733 MM
Here's what is working for Shizuoka Financial Group, Inc.
Net Sales
Highest at JPY 70,468 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
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 (%)
Pre-Tax Profit
Highest at JPY 46,906 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 32,741 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 61.69
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Shizuoka Financial Group, Inc.
Interest
At JPY 67,349 MM has Grown at 8.93%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,846,733 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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