ScoreWhy is The Bank of Kochi, 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 9.60% 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 -8.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.60% 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
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -8.70%
4
Underperformed the market in the last 1 year
- The stock has generated a return of 38.63% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 61.01%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is The Bank of Kochi, Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Bank of Kochi, Ltd.
25.0%
0.44
47.94%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.40%
EBIT Growth (5y)
-28.17%
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
53.03%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.26
EV to EBIT
-60.08
EV to EBITDA
-15.58
EV to Capital Employed
-1.13
EV to Sales
-1.43
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
1.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
PRE-TAX PROFIT(Q)
At JPY 258 MM has Grown at 133.38%
DIVIDEND PAYOUT RATIO(Y)
Highest at 160.09%
NET SALES(Q)
Highest at JPY 4,058 MM
NET PROFIT(Q)
At JPY 113.77 MM has Grown at 124.41%
-8What is not working for the Company
INTEREST(9M)
At JPY 2,109 MM has Grown at 185%
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at JPY -903 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -22.25 %
Here's what is working for The Bank of Kochi, Ltd.
Pre-Tax Profit
At JPY 258 MM has Grown at 133.38%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Sales
Highest at JPY 4,058 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
At JPY 113.77 MM has Grown at 124.41%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Dividend Payout Ratio
Highest at 160.09%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at JPY 260 MM
in the last five periodsMOJO 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 Bank of Kochi, Ltd.
Interest
At JPY 2,109 MM has Grown at 185%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Performing Loans (%)
Highest at 4.26%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at JPY -903 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -22.25 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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