The 77 Bank, Ltd. (8341) 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

The Chiba Bank, Ltd.

Sumitomo Mitsui Financial Group, Inc.

Mebuki Financial Group, Inc.

Seven Bank Ltd.

Mitsubishi UFJ Financial Group, Inc.

Sumitomo Mitsui Trust Holdings, Inc.

Mizuho Financial Group, Inc.

The Shiga Bank, Ltd.

The 77 Bank, Ltd.

Fukuoka Financial Group, Inc.

Kyushu Financial Group, Inc.

Why is The 77 Bank, Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.73% 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%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.73% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.15% signifying low profitability per unit of total assets

Healthy long term growth as Net profit has grown by an annual rate of 16.50%

Flat results in Mar 26

INTEREST(9M) At JPY 15,724 MM has Grown at 132.5%
ROCE(HY) Lowest at 0.52%
CASH AND EQV(HY) Lowest at JPY 1,433,386 MM

With ROA of 0.38%, it has a very attractive valuation with a 1.07 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 104.50%, its profits have risen by 32% ; the PEG ratio of the company is 0.6
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 The 77 Bank, Ltd. 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

No Data Found

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.50%

EBIT Growth (5y)

32.67%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.05%

Pledged Shares

Institutional Holding

0.05%

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

1.07

EV to EBIT

19.22

EV to EBITDA

17.80

EV to Capital Employed

1.07

EV to Sales

6.21

PEG Ratio

0.57

Dividend Yield

ROCE (Latest)

5.58%

ROE (Latest)

5.86%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bearish

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

9What is working for the Company

NET SALES(HY)

At JPY 69,978 MM has Grown at 27.64%

ROCE(HY)

Highest at 0.52%

DIVIDEND PER SHARE(HY)

Highest at JPY 0

NET PROFIT(9M)

Higher at JPY 41,756.51 MM

-10What is not working for the Company

INTEREST(9M)

At JPY 15,724 MM has Grown at 132.5%

ROCE(HY)

Lowest at 0.52%

CASH AND EQV(HY)

Lowest at JPY 1,433,386 MM

OPERATING PROFIT(Q)

Lowest at JPY 1,081 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 3.24 %

Here's what is working for The 77 Bank, Ltd.

Net Sales

At JPY 69,978 MM has Grown at 27.64%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Dividend per share

Highest at JPY 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Net Profit

Higher at JPY 41,756.51 MM

than preceding 12 month period ended Mar 2026

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (JPY MM)

Depreciation

Highest at JPY 794 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (JPY MM)

Here's what is not working for The 77 Bank, Ltd.

Interest

At JPY 15,724 MM has Grown at 132.5%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit

Lowest at JPY 1,081 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at 3.24 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Cash and Eqv

Lowest at JPY 1,433,386 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Non Operating Income

Highest at JPY 0.95 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income