ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Bank of Iwate Ltd. ?
1
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 0.09% signifying low profitability per unit of total assets
2
Positive results in Dec 25
- ROCE(HY) Highest at 0.22%
- CREDIT DEPOSIT RATIO(HY) Highest at 69.91%
- NET SALES(Q) At JPY 11,365 MM has Grown at 13.13%
3
With ROA of 0.18%, it has a very attractive valuation with a 0.30 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 101.24%, its profits have risen by 65% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 0.2
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Bank of Iwate Ltd.
101.24%
3.20
41.75%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.70%
EBIT Growth (5y)
15.23%
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
30.72%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.30
EV to EBIT
-13.80
EV to EBITDA
-11.18
EV to Capital Employed
-5.00
EV to Sales
-3.17
PEG Ratio
0.12
Dividend Yield
0.17%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.78%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
ROCE(HY)
Highest at 0.22%
CREDIT DEPOSIT RATIO(HY)
Highest at 69.91%
NET SALES(Q)
At JPY 11,365 MM has Grown at 13.13%
NET PROFIT(Q)
Highest at JPY 2,203 MM
-9What is not working for the Company
INTEREST(9M)
At JPY 5,636 MM has Grown at 234.08%
ROCE(HY)
Lowest at 0.22%
OPERATING PROFIT MARGIN(Q)
Lowest at 2.6 %
OPERATING PROFIT(Q)
Lowest at JPY 295 MM
Here's what is working for The Bank of Iwate Ltd.
Net Sales
At JPY 11,365 MM has Grown at 13.13%
over average net sales of the previous four periods of JPY 10,045.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
Highest at JPY 2,203 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Credit Deposit Ratio
Highest at 69.91%
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 Bank of Iwate Ltd.
Interest
At JPY 5,636 MM has Grown at 234.08%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 2.6 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Operating Profit
Lowest at JPY 295 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Non Operating Income
Highest at JPY 0.91 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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