ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Hyakujushi Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.10%
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
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 49.00%
- 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 0.10% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 49.00%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 14,184 MM has Grown at 28.57%
- ROCE(HY) Lowest at 0.35%
- OPERATING PROFIT(Q) Lowest at JPY -4,011 MM
5
With ROA of 0.20%, it has a attractive valuation with a 0.75 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 135.18%, its profits have risen by 38% ; the PEG ratio of the company is 0.4
- 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 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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Hyakujushi Bank, Ltd.
126.14%
-0.12
87.08%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.90%
EBIT Growth (5y)
58.15%
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
35.23%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.75
EV to EBIT
-4.72
EV to EBITDA
-4.19
EV to Capital Employed
5.49
EV to Sales
-1.74
PEG Ratio
0.41
Dividend Yield
NA
ROCE (Latest)
-116.43%
ROE (Latest)
4.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.35%
NII(Q)
Highest at JPY 14,263 MM
NET SALES(Q)
Highest at JPY 19,460 MM
PRE-TAX PROFIT(Q)
Highest at JPY 9,495 MM
NET PROFIT(Q)
Highest at JPY 6,179 MM
-8What is not working for the Company
INTEREST(9M)
At JPY 14,184 MM has Grown at 28.57%
ROCE(HY)
Lowest at 0.35%
OPERATING PROFIT(Q)
Lowest at JPY -4,011 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -20.61 %
Here's what is working for The Hyakujushi Bank, Ltd.
NII
Highest at JPY 14,263 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 19,460 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 19,460 MM has Grown at 14.32%
over average net sales of the previous four periods of JPY 17,022.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 9,495 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 6,179 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Here's what is not working for The Hyakujushi Bank, Ltd.
Interest
At JPY 14,184 MM has Grown at 28.57%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -4,011 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -20.61 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 1.42 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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