ScoreWhy is The Fukushima Bank Ltd. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.08% signifying inadequate buffers against its risk based assets
2
The company has declared Negative results for the last 4 consecutive quarters
- INTEREST(9M) At JPY 838 MM has Grown at 721.57%
- NET PROFIT(HY) At JPY -197 MM has Grown at -131.72%
- NII(Q) Lowest at JPY 1,746 MM
3
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 11.06%, its profits have fallen by -244%
- At the current price, the company has a high dividend yield of 0.2
4
Underperformed the market in the last 1 year
- The stock has generated a return of 11.06% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 28.54%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Fukushima 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 Fukushima Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Fukushima Bank Ltd.
11.06%
-0.27
26.26%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.40%
EBIT Growth (5y)
-205.82%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.32
EV to EBIT
40.02
EV to EBITDA
81.08
EV to Capital Employed
1.53
EV to Sales
-5.85
PEG Ratio
NA
Dividend Yield
0.18%
ROCE (Latest)
3.83%
ROE (Latest)
-5.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(Q)
Highest at JPY 2,180 MM
PRE-TAX PROFIT(Q)
At JPY 67 MM has Grown at 121%
NET PROFIT(Q)
At JPY 64 MM has Grown at 125.27%
-15What is not working for the Company
INTEREST(9M)
At JPY 838 MM has Grown at 721.57%
NET PROFIT(HY)
At JPY -197 MM has Grown at -131.72%
NII(Q)
Lowest at JPY 1,746 MM
CASH AND EQV(HY)
Lowest at JPY 117,715 MM
Here's what is working for The Fukushima Bank Ltd.
Net Sales
Highest at JPY 2,180 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Pre-Tax Profit
At JPY 67 MM has Grown at 121%
over average net sales of the previous four periods of JPY -319 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 64 MM has Grown at 125.27%
over average net sales of the previous four periods of JPY -253.25 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
CASA
Highest at 9.22%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Fukushima Bank Ltd.
Interest
At JPY 838 MM has Grown at 721.57%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
NII
Lowest at JPY 1,746 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JPY MM)
Cash and Eqv
Lowest at JPY 117,715 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 1.54 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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