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
Positive results in Dec 25
- ROCE(HY) Highest at 0.27%
- NET SALES(Q) Highest at JPY 10,458 MM
- NII(Q) Highest at JPY 8,613 MM
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 38.36%, 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
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.
38.36%
1.95
53.74%
Japan Nikkei 225
36.73%
1.30
28.24%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.27%
NET SALES(Q)
Highest at JPY 10,458 MM
NII(Q)
Highest at JPY 8,613 MM
OPERATING PROFIT(Q)
Highest at JPY 3,118 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 5,009 MM has Grown at 242.14%
ROCE(HY)
Lowest at 0.27%
CASH AND EQV(HY)
Lowest at JPY 548,485 MM
Here's what is working for The Chiba Kogyo Bank Ltd.
Net Sales
Highest at JPY 10,458 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 8,613 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
At JPY 10,458 MM has Grown at 20.67%
over average net sales of the previous four periods of JPY 8,666.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 3,118 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Depreciation
Highest at JPY 640 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 640 MM has Grown at 46.12%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for The Chiba Kogyo Bank Ltd.
Interest
At JPY 5,009 MM has Grown at 242.14%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 548,485 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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