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The Fukushima Bank Ltd.

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: JP3805100009
  • TKS: 8562
JPY
395.00
12 (3.13%)

Sep 18

TKS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
The Kita-Nippon Bank, Ltd.
The Daito Bank, Ltd.
Tomato Bank, Ltd.
The Fukushima Bank Ltd.
Tsukuba Bank, Ltd.
FIDEA Holdings Co., Ltd.
Shimizu Bank, Ltd.
The Chikuho Bank, Ltd.
The Taiko Bank, Ltd.
The Towa Bank, Ltd.
The Bank of Kochi, Ltd.

Why is The Fukushima Bank Ltd. ?

1
Inefficient Cost Management with a low Cost to Income Ratio of 87.90%
  • Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 87.90%
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.08% signifying inadequate buffers against its risk based assets
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.08% signifying inadequate buffers against its risk based assets
  • A high ratio signifies bank has weaker due diligence systems when giving out loans
3
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 8.08%
4
With a growth in Operating Profit of 114.07%, the company declared Very Positive results in Jun 26
  • The company has declared positive results for the last 4 consecutive quarters
  • NET PROFIT(HY) Higher at JPY 554 MM
  • ROCE(HY) Highest at 0.12%
  • NET SALES(Q) Highest at JPY 2,607 MM
5
With ROA of -0.08%, it has a very attractive valuation with a 0.51 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 67.37%, its profits have fallen by -244%
  • At the current price, the company has a high dividend yield of 0
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to The Fukushima Bank Ltd. should be less than 10%
  2. 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 Fukushima Bank Ltd. for you?

Low Risk, Medium Return

Absolute
Risk Adjusted
Volatility
The Fukushima Bank Ltd.
67.37%
1.19
39.06%
Japan Nikkei 225
43.52%
1.48
29.43%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
1.40%
EBIT Growth (5y)
-220.79%
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
23.69%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.51
EV to EBIT
23.43
EV to EBITDA
37.10
EV to Capital Employed
1.45
EV to Sales
-4.70
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
6.20%
ROE (Latest)
-5.19%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

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

20What is working for the Company
NET PROFIT(HY)

Higher at JPY 554 MM

ROCE(HY)

Highest at 0.12%

NET SALES(Q)

Highest at JPY 2,607 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 75.62%

-7What is not working for the Company
INTEREST(9M)

At JPY 1,587 MM has Grown at 89.38%

ROCE(HY)

Lowest at 0.12%

CASH AND EQV(HY)

Lowest at JPY 78,004 MM

Here's what is working for The Fukushima Bank Ltd.

Net Profit
At JPY 554 MM has Grown at 381.22%
Year on Year (YoY)
MOJO Watch
Net Profit trend is very positive

Net Profit (JPY MM)

Net Sales
Highest at JPY 2,607 MM and Grown
In each period in the last five periods
MOJO Watch
Near term sales trend is very positive

Net Sales (JPY MM)

Net Profit
Higher at JPY 554 MM
than preceding 12 month period ended Jun 2026
MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (JPY MM)

Credit Deposit Ratio
Highest at 75.62%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

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

Interest
At JPY 1,587 MM has Grown at 89.38%
over previous Semi-Annual period
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Cash and Eqv
Lowest at JPY 78,004 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

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