The Ehime Bank, Ltd. (8541) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Bank of Toyama Ltd.

Okinawa Financial Group, Inc.

The Bank of Iwate Ltd.

TOMONY Holdings, Inc.

Bank of The Ryukyus, Ltd.

The Shikoku Bank, Ltd.

Oita Bank, Ltd.

San ju San Financial Group, Inc.

The Ehime Bank, Ltd.

The Miyazaki Bank Ltd.

HS Holdings Co., Ltd.

Why is The Ehime Bank, Ltd. ?

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 0.14% signifying low profitability per unit of total 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%

With a growth in Operating Profit of 83.45%, the company declared Very Positive results in Mar 26

ROCE(HY) Highest at 0.24%
CASH AND EQV(HY) Highest at JPY 534,985 MM
DIVIDEND PER SHARE(HY) Highest at JPY 0

With ROA of 0.19%, it has a very attractive valuation with a 0.45 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 93.92%, its profits have risen by 13% ; the PEG ratio of the company is 0.9
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How 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.

96.2%

1.69

30.90%

Japan Nikkei 225

88.41%

3.12

27.27%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.40%

EBIT Growth (5y)

1.32%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.22%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.45

EV to EBIT

-18.58

EV to EBITDA

-14.38

EV to Capital Employed

3.88

EV to Sales

-2.09

PEG Ratio

0.87

Dividend Yield

ROCE (Latest)

-20.90%

ROE (Latest)

3.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Bullish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

ROCE(HY)

Highest at 0.24%

CASH AND EQV(HY)

Highest at JPY 534,985 MM

DIVIDEND PER SHARE(HY)

Highest at JPY 0

PRE-TAX PROFIT(Q)

Highest at JPY 3,369 MM

-4What is not working for the Company

INTEREST(9M)

At JPY 13,033 MM has Grown at 6.04%

ROCE(HY)

Lowest at 0.24%

Here's what is working for The Ehime Bank, Ltd.

Pre-Tax Profit

Highest at JPY 3,369 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Cash and Eqv

Highest at JPY 534,985 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Here's what is not working for The Ehime Bank, Ltd.

Interest

At JPY 13,033 MM has Grown at 6.04%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)