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%
- INTEREST(9M) At JPY 2,393 MM has Grown at 108.27%
- GROSS NPA (%)(Q) Highest at 4.41%
- OPERATING PROFIT(Q) Lowest at JPY -1,460 MM
4
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 26.58%, its profits have fallen by -31%
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.
28.49%
0.24
48.84%
Japan Nikkei 225
58.07%
2.05
29.37%
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
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at JPY 3,616 MM
NET SALES(Q)
Highest at JPY 4,542 MM
-25What is not working for the Company
INTEREST(9M)
At JPY 2,393 MM has Grown at 108.27%
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at JPY -1,460 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -32.14 %
PRE-TAX PROFIT(Q)
Lowest at JPY -485 MM
NET PROFIT(Q)
Lowest at JPY -471 MM
EPS(Q)
Lowest at JPY -46.45
Here's what is working for The Bank of Kochi, Ltd.
NII
Highest at JPY 3,616 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 4,542 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 4,542 MM has Grown at 19.18%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for The Bank of Kochi, Ltd.
Interest
At JPY 2,393 MM has Grown at 108.27%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY -485 MM has Fallen at -175.55%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY -471 MM has Fallen at -225.27%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Non Performing Loans (%)
Highest at 4.41%
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 -1,460 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -32.14 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY -485 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY -471 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY -46.45
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
