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
Positive results in Jun 26
- ROCE(HY) Highest at 0.19%
- NII(Q) Highest at JPY 2,658 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 83.13%
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 41.03%, 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.
41.03%
1.41
27.64%
Japan Nikkei 225
58.07%
1.98
29.31%
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
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 0.19%
NII(Q)
Highest at JPY 2,658 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 83.13%
NET SALES(Q)
Highest at JPY 3,344 MM
OPERATING PROFIT(Q)
Highest at JPY 631 MM
PRE-TAX PROFIT(Q)
Highest at JPY 926 MM
NET PROFIT(Q)
Highest at JPY 653 MM
EPS(Q)
Highest at JPY 51.53
-6What is not working for the Company
INTEREST(9M)
At JPY 1,689 MM has Grown at 109.55%
ROCE(HY)
Lowest at 0.19%
Here's what is working for The Daito Bank, Ltd.
NII
Highest at JPY 2,658 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 3,344 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 3,344 MM has Grown at 20.07%
over average net sales of the previous four periods of JPY 2,785 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 631 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 926 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 653 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 51.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 83.13%
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 (%)
Depreciation
Highest at JPY 144 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for The Daito Bank, Ltd.
Interest
At JPY 1,689 MM has Grown at 109.55%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Operating Income
Highest at JPY 0.32 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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