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 0.10% signifying low profitability per unit of total assets
2
The company has declared positive results for the last 2 consecutive quarters
- ROCE(HY) Highest at 0.33%
- DIVIDEND PER SHARE(HY) Highest at JPY 0
- CREDIT DEPOSIT RATIO(HY) Highest at 77.15%
3
With ROA of 0.24%, it has a very attractive valuation with a 0.70 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 139.90%, its profits have risen by 42% ; 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.
139.9%
-0.27
86.49%
Japan Nikkei 225
75.22%
3.09
27.80%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.60%
EBIT Growth (5y)
11.36%
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
18
Industry P/E
Price to Book Value
0.70
EV to EBIT
-8.44
EV to EBITDA
-7.16
EV to Capital Employed
4.85
EV to Sales
-2.47
PEG Ratio
0.43
Dividend Yield
NA
ROCE (Latest)
-57.50%
ROE (Latest)
3.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
ROCE(HY)
Highest at 0.33%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 77.15%
NET SALES(Q)
Highest at JPY 17,931 MM
OPERATING PROFIT(Q)
Highest at JPY 7,398 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.26 %
PRE-TAX PROFIT(Q)
Highest at JPY 7,965 MM
NET PROFIT(Q)
Highest at JPY 5,482 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 13,145 MM has Grown at 24.62%
ROCE(HY)
Lowest at 0.33%
Here's what is working for The Hyakujushi Bank, Ltd.
Net Sales
Highest at JPY 17,931 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 17,931 MM has Grown at 11.94%
over average net sales of the previous four periods of JPY 16,018 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 7,398 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 41.26 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 7,965 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 5,482 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 77.15%
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 (%)
Here's what is not working for The Hyakujushi Bank, Ltd.
Interest
At JPY 13,145 MM has Grown at 24.62%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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