ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Fukui Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.05%
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.94% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 27.30%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.94% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
3
Flat results in Dec 25
- INTEREST(9M) At JPY 5,715 MM has Grown at 217.68%
- NET PROFIT(HY) At JPY -1,006.78 MM has Grown at -173.56%
- CASH AND EQV(HY) Lowest at JPY 1,689,683 MM
4
With ROA of 0.16%, it has a very attractive valuation with a 0.32 Price to Book Value
- Over the past year, while the stock has generated a return of 75.07%, its profits have risen by 92% ; the PEG ratio of the company is 0.1
- 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 Fukui Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Fukui Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Fukui Bank, Ltd.
75.07%
1.65
36.78%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.00%
EBIT Growth (5y)
26.26%
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
18.76%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.32
EV to EBIT
-26.28
EV to EBITDA
-20.68
EV to Capital Employed
2.43
EV to Sales
-4.10
PEG Ratio
0.07
Dividend Yield
0.03%
ROCE (Latest)
-9.23%
ROE (Latest)
5.24%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NET PROFIT(Q)
At JPY 2,976.47 MM has Grown at 1,388.08%
PRE-TAX PROFIT(Q)
At JPY 4,299 MM has Grown at 132.47%
NII(Q)
Highest at JPY 9,923 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 69.96%
NET SALES(Q)
Highest at JPY 11,974 MM
OPERATING PROFIT(Q)
Highest at JPY 2,820 MM
-13What is not working for the Company
INTEREST(9M)
At JPY 5,715 MM has Grown at 217.68%
NET PROFIT(HY)
At JPY -1,006.78 MM has Grown at -173.56%
CASH AND EQV(HY)
Lowest at JPY 1,689,683 MM
Here's what is working for The Fukui Bank, Ltd.
Net Profit
At JPY 2,976.47 MM has Grown at 1,388.08%
over average net sales of the previous four periods of JPY 200.02 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Pre-Tax Profit
At JPY 4,299 MM has Grown at 132.47%
over average net sales of the previous four periods of JPY 1,849.25 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
NII
Highest at JPY 9,923 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 11,974 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 11,974 MM has Grown at 16.71%
over average net sales of the previous four periods of JPY 10,259.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 2,820 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Credit Deposit Ratio
Highest at 69.96%
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 590 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 590 MM has Grown at 48.61%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for The Fukui Bank, Ltd.
Interest
At JPY 5,715 MM has Grown at 217.68%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,689,683 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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