The Bank of Nagoya Ltd. (8522) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Chugin Financial Group, Inc.

The Bank of Nagoya Ltd.

Monex Group, Inc.

North Pacific Bank, Ltd.

The Musashino Bank, Ltd.

San-in Godo Bank Ltd.

The Kiyo Bank, Ltd.

Juroku Financial Group, Inc.

Hokuhoku Financial Group, Inc.

Suruga Bank Ltd.

The Keiyo Bank, Ltd.

Why is The Bank of Nagoya Ltd. ?

Healthy long term growth as Net profit has grown by an annual rate of 26.10%

With a growth in Interest of 1.66%, the company declared Very Positive results in Dec 25

ROCE(HY) Highest at 0.32%
NII(Q) Highest at JPY 13,253 MM
CASH AND EQV(HY) Highest at JPY 1,777,275 MM

With ROA of 0.26%, it has a very attractive valuation with a 0.48 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 96.92%, its profits have risen by 47% ; the PEG ratio of the company is 0.2
At the current price, the company has a high dividend yield of 0

Market Beating Performance

The stock has generated a return of 96.92% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 36.73%

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to The Bank of Nagoya 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 Nagoya Ltd. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

The Bank of Nagoya Ltd.

96.92%

-0.31

82.48%

Japan Nikkei 225

36.73%

1.30

28.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.40%

EBIT Growth (5y)

12.75%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

30.11%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.48

EV to EBIT

-19.23

EV to EBITDA

-15.33

EV to Capital Employed

3.40

EV to Sales

-4.01

PEG Ratio

0.18

Dividend Yield

0.01%

ROCE (Latest)

-17.68%

ROE (Latest)

5.33%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

22What is working for the Company

ROCE(HY)

Highest at 0.32%

NII(Q)

Highest at JPY 13,253 MM

CASH AND EQV(HY)

Highest at JPY 1,777,275 MM

NET SALES(Q)

Highest at JPY 18,431 MM

OPERATING PROFIT(Q)

Highest at JPY 8,639 MM

OPERATING PROFIT MARGIN(Q)

Highest at 46.87 %

PRE-TAX PROFIT(Q)

Highest at JPY 10,459 MM

NET PROFIT(Q)

Highest at JPY 7,915 MM

EPS(Q)

Highest at JPY 160.88

-7What is not working for the Company

INTEREST(9M)

At JPY 14,566 MM has Grown at 114.02%

ROCE(HY)

Lowest at 0.32%

CREDIT DEPOSIT RATIO(HY)

Lowest at 76.75%

Here's what is working for The Bank of Nagoya Ltd.

Net Sales

At JPY 18,431 MM has Grown at 34.66%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

NII

Highest at JPY 13,253 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 18,431 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Operating Profit

Highest at JPY 8,639 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 46.87 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at JPY 10,459 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 7,915 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Net Profit

At JPY 7,915 MM has Grown at 68.76%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 160.88

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Cash and Eqv

Highest at JPY 1,777,275 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

CASA

Highest at 10.9%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for The Bank of Nagoya Ltd.

Interest

At JPY 14,566 MM has Grown at 114.02%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Credit Deposit Ratio

Lowest at 76.75%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)