ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Hyakujushi Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.25% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 12.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.25% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
Flat results in Jun 25
- ROCE(HY) Lowest at 0.24%
3
With ROA of 0.24%, it has a very attractive valuation with a 0.35 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 87.82%, its profits have risen by 42% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0
4
Consistent Returns over the last 3 years
- Along with generating 87.82% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Hyakujushi 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 Hyakujushi Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Hyakujushi Bank, Ltd.
82.01%
2.47
35.62%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.60%
EBIT Growth (5y)
1.08%
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
30.13%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.35
EV to EBIT
-15.53
EV to EBITDA
-12.03
EV to Capital Employed
-2.69
EV to Sales
-2.80
PEG Ratio
0.19
Dividend Yield
0.01%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
ROCE(HY)
Highest at 0.24%
NII(Q)
Highest at JPY 12,265 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 75.01%
NET SALES(Q)
At JPY 16,200 MM has Grown at 15.68%
PRE-TAX PROFIT(Q)
Highest at JPY 7,332 MM
NET PROFIT(Q)
Highest at JPY 4,875.5 MM
EPS(Q)
Highest at JPY 169.26
-2What is not working for the Company
ROCE(HY)
Lowest at 0.24%
Here's what is working for The Hyakujushi Bank, Ltd.
NII
Highest at JPY 12,265 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 16,200 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 16,200 MM has Grown at 15.68%
over average net sales of the previous four periods of JPY 14,004.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 7,332 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 4,875.5 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 169.26
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 75.01%
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 9.34%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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