ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Bank of Iwate Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.08%
- The bank has been able to generate a Return on Assets (avg) of 0.08% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.55% 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 13.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.55% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.08% 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 13.00%
4
Positive results in Jun 26
- ROCE(HY) Highest at 0.26%
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at JPY 10,715 MM
5
With ROA of 0.18%, it has a very attractive valuation with a 0.79 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 173.96%, its profits have risen by 65% ; the PEG ratio of the company is 0.3
- 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 Bank of Iwate 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 Bank of Iwate Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Bank of Iwate Ltd.
163.83%
-0.16
88.56%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.70%
EBIT Growth (5y)
14.78%
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
40.18%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
0.79
EV to EBIT
12.86
EV to EBITDA
10.38
EV to Capital Employed
0.71
EV to Sales
2.89
PEG Ratio
0.33
Dividend Yield
NA
ROCE (Latest)
5.49%
ROE (Latest)
3.62%
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
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
ROCE(HY)
Highest at 0.26%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 10,715 MM
NET SALES(Q)
Highest at JPY 13,598 MM
OPERATING PROFIT(Q)
Highest at JPY 3,981 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.28 %
PRE-TAX PROFIT(Q)
Highest at JPY 4,996 MM
NET PROFIT(Q)
Highest at JPY 3,494 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 7,320 MM has Grown at 98.59%
ROCE(HY)
Lowest at 0.26%
Here's what is working for The Bank of Iwate Ltd.
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 (%)
NII
Highest at JPY 10,715 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 13,598 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 13,598 MM has Grown at 19.98%
over average net sales of the previous four periods of JPY 11,333.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 3,981 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 29.28 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 4,996 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 4,996 MM has Grown at 56.08%
over average net sales of the previous four periods of JPY 3,201 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 3,494 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 3,494 MM has Grown at 56.53%
over average net sales of the previous four periods of JPY 2,232.21 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Here's what is not working for The Bank of Iwate Ltd.
Interest
At JPY 7,320 MM has Grown at 98.59%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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