ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Ehime Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.04% 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 0.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.04% 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
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.20%
3
Flat results in Jun 25
- ROCE(HY) Lowest at 0.2%
4
With ROA of 0.19%, it has a very attractive valuation with a 0.29 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 26.37%, its profits have risen by 13% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Ehime 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 Ehime Bank, Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Ehime Bank, Ltd.
26.37%
0.22
27.18%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.40%
EBIT Growth (5y)
-9.41%
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
23.22%
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
0.29
EV to EBIT
-57.85
EV to EBITDA
-38.28
EV to Capital Employed
2.00
EV to Sales
-3.72
PEG Ratio
0.53
Dividend Yield
0.05%
ROCE (Latest)
-3.45%
ROE (Latest)
4.22%
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
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 0.2%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
OPERATING PROFIT(Q)
Highest at JPY 2,362 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.58 %
PRE-TAX PROFIT(Q)
Highest at JPY 2,497 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 0.2%
Here's what is working for The Ehime Bank, Ltd.
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
Operating Profit
Highest at JPY 2,362 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 18.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 2,497 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
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