ScoreWhy is The Daito Bank, Ltd. ?
1
Positive results in Dec 25
- ROCE(HY) Highest at 0.17%
- NII(Q) Highest at JPY 2,621 MM
- NET PROFIT(9M) Higher at JPY 1,377 MM
2
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 36.30%, its profits have risen by 6% ; the PEG ratio of the company is 1.2
Real-Time Research ReportHow much should you buy?
- 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, Medium Return
Absolute
Risk Adjusted
Volatility
The Daito Bank, Ltd.
36.3%
1.29
28.22%
Japan Nikkei 225
41.2%
1.45
28.34%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.17%
NII(Q)
Highest at JPY 2,621 MM
NET PROFIT(9M)
Higher at JPY 1,377 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.97%
NET SALES(Q)
Highest at JPY 3,057 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 1,211 MM has Grown at 269.21%
ROCE(HY)
Lowest at 0.17%
CASH AND EQV(HY)
Lowest at JPY 96,245 MM
Here's what is working for The Daito Bank, Ltd.
NII
Highest at JPY 2,621 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 3,057 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 3,057 MM has Grown at 21.3%
over average net sales of the previous four periods of JPY 2,520.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 81.97%
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 (%)
Net Profit
Higher at JPY 1,377 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Here's what is not working for The Daito Bank, Ltd.
Interest
At JPY 1,211 MM has Grown at 269.21%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 96,245 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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