ScoreComparison
Why is The Bank of Toyama Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.45% 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 5.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.45% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 5.60%
3
Flat results in Dec 25
- INTEREST(9M) At JPY 779 MM has Grown at 318.82%
- ROCE(HY) Lowest at 0.2%
- OPERATING PROFIT(Q) Lowest at JPY -779 MM
4
With ROA of 0.17%, it has a very attractive valuation with a 0.29 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 47.54%, its profits have risen by 51% ; the PEG ratio of the company is 0.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Bank of Toyama Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major 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 Toyama Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Bank of Toyama Ltd.
47.54%
1.19
26.98%
Japan Nikkei 225
41.2%
1.45
28.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.20%
EBIT Growth (5y)
-148.31%
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
28.21%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.29
EV to EBIT
637.66
EV to EBITDA
-24.01
EV to Capital Employed
-1.33
EV to Sales
-2.01
PEG Ratio
0.17
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 0.2%
PRE-TAX PROFIT(Q)
At JPY 175 MM has Grown at 121.52%
NET PROFIT(Q)
At JPY 121 MM has Grown at 137.25%
NET SALES(Q)
Highest at JPY 1,693 MM
-8What is not working for the Company
INTEREST(9M)
At JPY 779 MM has Grown at 318.82%
ROCE(HY)
Lowest at 0.2%
OPERATING PROFIT(Q)
Lowest at JPY -779 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -46.01 %
Here's what is working for The Bank of Toyama Ltd.
Pre-Tax Profit
At JPY 175 MM has Grown at 121.52%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 121 MM has Grown at 137.25%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 1,693 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 130 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 Toyama Ltd.
Interest
At JPY 779 MM has Grown at 318.82%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -779 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -46.01 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 5.46 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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