ScoreWhy is The Daito Bank, Ltd. ?
1
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 0.10% 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 4.60%
3
Flat results in Jun 25
- INTEREST(9M) At JPY 806 MM has Grown at 1,243.33%
- ROCE(HY) Lowest at 0.16%
- CASH AND EQV(HY) Lowest at JPY 80,530 MM
4
With ROA of 0.16%, it has a very attractive valuation with a 0.28 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 12.08%, its profits have risen by 6% ; the PEG ratio of the company is 1.2
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.
9.78%
0.33
21.98%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.10%
EBIT Growth (5y)
44.43%
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
30.46%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.28
EV to EBIT
-18.32
EV to EBITDA
-12.27
EV to Capital Employed
-21.34
EV to Sales
-2.34
PEG Ratio
1.16
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.16%
NII(Q)
Highest at JPY 2,231 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.73%
NET SALES(Q)
Highest at JPY 2,596 MM
PRE-TAX PROFIT(Q)
Highest at JPY 832 MM
NET PROFIT(Q)
Highest at JPY 638 MM
EPS(Q)
Highest at JPY 50.42
-7What is not working for the Company
INTEREST(9M)
At JPY 806 MM has Grown at 1,243.33%
ROCE(HY)
Lowest at 0.16%
CASH AND EQV(HY)
Lowest at JPY 80,530 MM
Here's what is working for The Daito Bank, Ltd.
NII
Highest at JPY 2,231 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 2,596 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 2,596 MM has Grown at 11.75%
over average net sales of the previous four periods of JPY 2,323 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 832 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 832 MM has Grown at 65.57%
over average net sales of the previous four periods of JPY 502.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 638 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 638 MM has Grown at 91.88%
over average net sales of the previous four periods of JPY 332.5 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 50.42
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 81.73%
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 11.4%
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 Daito Bank, Ltd.
Interest
At JPY 806 MM has Grown at 1,243.33%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 80,530 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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