ScoreComparison
Why is The Bank of Toyama Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.08%
- The bank has been able to generate a Return on Assets (avg) of 0.08% signifying low profitability per unit of total assets
2
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 0.08% 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 5.60%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 1,073 MM has Grown at 128.3%
- CASH AND EQV(HY) Lowest at JPY 70,010 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 72.39%
5
With ROA of 0.16%, it has a fair valuation with a 0.36 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 44.35%, 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.
46.0%
1.01
31.51%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.20%
EBIT Growth (5y)
-4.34%
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
28.04%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.36
EV to EBIT
-43.12
EV to EBITDA
-22.63
EV to Capital Employed
6.31
EV to Sales
-4.15
PEG Ratio
0.23
Dividend Yield
NA
ROCE (Latest)
-14.64%
ROE (Latest)
3.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at JPY 1,591 MM
NET SALES(Q)
Highest at JPY 2,001 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 1,073 MM has Grown at 128.3%
CASH AND EQV(HY)
Lowest at JPY 70,010 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 72.39%
Here's what is working for The Bank of Toyama Ltd.
NII
Highest at JPY 1,591 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 2,001 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 2,001 MM has Grown at 23.21%
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 Toyama Ltd.
Interest
At JPY 1,073 MM has Grown at 128.3%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 70,010 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 72.39%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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