ScoreWhy is The Akita Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.07%
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.79% 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 12.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.79% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
3
With a growth in Operating Profit of 15.85%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- NII(Q) Highest at JPY 10,569 MM
- ROCE(HY) Highest at 0.22%
- NET SALES(Q) Highest at JPY 13,012 MM
4
With ROA of 0.16%, it has a very attractive valuation with a 0.52 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 114.04%, its profits have risen by 25% ; 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 ReportHow much should you hold?
- Overall Portfolio exposure to The Akita 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 The Akita Bank Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Akita Bank Ltd.
114.04%
4.56
32.67%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.60%
EBIT Growth (5y)
-16.60%
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
32.78%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.52
EV to EBIT
-106.82
EV to EBITDA
-55.96
EV to Capital Employed
2.27
EV to Sales
-5.18
PEG Ratio
0.67
Dividend Yield
NA
ROCE (Latest)
-2.13%
ROE (Latest)
3.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at JPY 10,569 MM
ROCE(HY)
Highest at 0.22%
NET SALES(Q)
Highest at JPY 13,012 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 69.51%
-12What is not working for the Company
INTEREST(9M)
At JPY 6,260 MM has Grown at 155.93%
ROCE(HY)
Lowest at 0.22%
CASH AND EQV(HY)
Lowest at JPY 771,687 MM
PRE-TAX PROFIT(Q)
Lowest at JPY 2,020 MM
NET PROFIT(Q)
Lowest at JPY 1,477 MM
EPS(Q)
Lowest at JPY 83.04
Here's what is working for The Akita Bank Ltd.
NII
Highest at JPY 10,569 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 JPY 13,012 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 13,012 MM has Grown at 37.93%
over average net sales of the previous four periods of JPY 9,434 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 69.51%
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 (%)
Here's what is not working for The Akita Bank Ltd.
Interest
At JPY 6,260 MM has Grown at 155.93%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
Lowest at JPY 2,020 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 2,020 MM has Fallen at -35.66%
over average net sales of the previous four periods of JPY 3,139.75 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 1,477 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Net Profit
At JPY 1,477 MM has Fallen at -33.42%
over average net sales of the previous four periods of JPY 2,218.51 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 83.04
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 771,687 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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