ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Chiba Kogyo Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.85% 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 10.50%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.85% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.15% signifying low profitability per unit of total assets
2
Flat results in Jun 25
- INTEREST(9M) At JPY 3,276 MM has Grown at 427.54%
- ROCE(HY) Lowest at 0.25%
3
With ROA of 0.23%, it has a expensive valuation with a 0.42 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 44.08%, its profits have fallen by 0% ; the PEG ratio of the company is 9.5
- At the current price, the company has a high dividend yield of 0.4
4
Consistent Returns over the last 3 years
- Along with generating 44.08% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Chiba Kogyo Bank 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 Chiba Kogyo Bank Ltd. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
The Chiba Kogyo Bank Ltd.
47.16%
2.26
51.42%
Japan Nikkei 225
38.59%
1.50
26.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.50%
EBIT Growth (5y)
3.74%
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
8.58%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.42
EV to EBIT
-22.04
EV to EBITDA
-16.54
EV to Capital Employed
3.31
EV to Sales
-4.59
PEG Ratio
9.52
Dividend Yield
0.44%
ROCE (Latest)
-15.01%
ROE (Latest)
4.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
ROCE(HY)
Highest at 0.25%
CREDIT DEPOSIT RATIO(HY)
Highest at 78.99%
NET SALES(Q)
Highest at JPY 8,938 MM
PRE-TAX PROFIT(Q)
At JPY 3,873 MM has Grown at 52.6%
NET PROFIT(Q)
Highest at JPY 2,863 MM
EPS(Q)
Highest at JPY 35.74
-6What is not working for the Company
INTEREST(9M)
At JPY 3,276 MM has Grown at 427.54%
ROCE(HY)
Lowest at 0.25%
Here's what is working for The Chiba Kogyo Bank Ltd.
Net Sales
Highest at JPY 8,938 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 8,938 MM has Grown at 15.59%
over average net sales of the previous four periods of JPY 7,732.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 3,873 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 3,873 MM has Grown at 52.6%
over average net sales of the previous four periods of JPY 2,538 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 2,863 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 35.74
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 78.99%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 9.3%
in the last five periodsMOJO 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 Chiba Kogyo Bank Ltd.
Interest
At JPY 3,276 MM has Grown at 427.54%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
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."
