ScoreWhy is The Daito Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.09%
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.19% 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 4.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.19% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% 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 4.60%
4
Flat results in Mar 26
- INTEREST(9M) At JPY 1,413 MM has Grown at 161.18%
- ROCE(HY) Lowest at 0.2%
- DIVIDEND PAYOUT RATIO(Y) Lowest at 166.75%
5
With ROA of 0.15%, it has a very attractive valuation with a 0.40 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 42.31%, its profits have risen by 6% ; the PEG ratio of the company is 1.6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Daito Bank, 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 Daito Bank, Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Daito Bank, Ltd.
42.53%
1.42
27.54%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.10%
EBIT Growth (5y)
44.99%
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
30.16%
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
0.40
EV to EBIT
-30.67
EV to EBITDA
-20.68
EV to Capital Employed
1.98
EV to Sales
-4.00
PEG Ratio
1.56
Dividend Yield
NA
ROCE (Latest)
-6.46%
ROE (Latest)
4.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NET SALES(HY)
At JPY 5,850 MM has Grown at 22.1%
NET PROFIT(HY)
At JPY 712 MM has Grown at 72.4%
ROCE(HY)
Highest at 0.2%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 84.14%
-8What is not working for the Company
INTEREST(9M)
At JPY 1,413 MM has Grown at 161.18%
ROCE(HY)
Lowest at 0.2%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 166.75%
CASH AND EQV(HY)
Lowest at JPY 83,685 MM
Here's what is working for The Daito Bank, Ltd.
Net Sales
At JPY 5,850 MM has Grown at 22.1%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
At JPY 712 MM has Grown at 72.4%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 84.14%
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 (%)
Here's what is not working for The Daito Bank, Ltd.
Interest
At JPY 1,413 MM has Grown at 161.18%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 83,685 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Dividend Payout Ratio
Lowest at 166.75%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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