ScoreWhy is The Fukushima Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of -0.01%
- The bank has been able to generate a Return on Assets (avg) of -0.01% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.08% 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%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.08% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of -0.01% signifying low profitability per unit of total assets
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
With a growth in Operating Profit of 114.07%, the company declared Outstanding results in Dec 25
- The company has declared positive results in Jan 70 after 4 consecutive negative quarters
- NET SALES(Q) Highest at JPY 2,501 MM
- NII(Q) Highest at JPY 2,038 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 74.35%
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
The Fukushima Bank Ltd.
63.11%
0.94
38.29%
Japan Nikkei 225
36.73%
1.30
28.24%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
NET SALES(Q)
Highest at JPY 2,501 MM
NII(Q)
Highest at JPY 2,038 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 74.35%
PRE-TAX PROFIT(Q)
Highest at JPY 278 MM
NET PROFIT(Q)
Highest at JPY 288 MM
EPS(Q)
Highest at JPY 8.23
-7What is not working for the Company
INTEREST(9M)
At JPY 1,378 MM has Grown at 331.97%
CASH AND EQV(HY)
Lowest at JPY 131,362 MM
OPERATING PROFIT(Q)
Lowest at JPY -1,122 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -44.86 %
Here's what is working for The Fukushima Bank Ltd.
Pre-Tax Profit
At JPY 278 MM has Grown at 365.39%
over average net sales of the previous four periods of JPY -104.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 288 MM has Grown at 900%
over average net sales of the previous four periods of JPY -36 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 2,501 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 2,038 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
At JPY 2,501 MM has Grown at 15.2%
over average net sales of the previous four periods of JPY 2,171 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 278 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 288 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 8.23
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 74.35%
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 (%)
CASA
Highest at 9.35%
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 1,378 MM has Grown at 331.97%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -1,122 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -44.86 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 131,362 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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